FLINT Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Flint averaged
7.2%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.95% and
one month ago for the week of 2025-04-17, the
average rate was 7.07%.
Flint's average rate one year ago was 7.26%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.53%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Flint 30 Year Fixed Rate | 2025-05-22 | 7.2% |
| Flint 30 Year Fixed Rate Refi | 2025-05-22 | 7.53% |
| Flint 15 Year Fixed Rate | 2025-05-22 | 7.56% |
| Flint 15 Year Fixed Rate Refi | 2025-05-22 | 5.91% |
| Flint 30 Year FHA | 2025-05-22 | 6.63% |
| Flint 30 Year FHA Refi | 2025-05-22 | 6.39% |
| Flint 30 Year USDA | 2025-05-22 | 6.34% |
| Flint 30 Year USDA Refi | 2025-05-22 | 6.63% |
| Flint 30 Year VA | 2025-05-22 | 6.65% |
| Flint 30 Year VA Refi | 2025-05-22 | 6.17% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within FLINT, MI.
FLINT Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the FLINT, MI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
FLINT Average Closing Costs & Other Stats
FLINT, MI's 159 lenders originated 7,809
loans during 2024. The total origination value was $1,252,565,000, with an average loan value of
$160,400.
FLINT's average closing costs are $4,546.
The top FLINT lender as defined by loan originations is QUICKEN LOANS, LLC, with
344 loans originated. Their average total fees are
$5,237, which is $787
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee FLINT lenders (with over 10 loans originated) are
MICHIGAN SCHOOLS AND GOVERNMENT ($2,635), Fifth Third Bank ($2,739), Dort Financial Credit Union ($2,753), GUARANTEED RATE, INC. ($2,790) and The State Bank ($2,833).
The lowest rate FLINT lenders (with over 10 loans originated) are
MICHIGAN SCHOOLS AND GOVERNMENT (5.98%), Dort Financial Credit Union (6.12%), MORTGAGE CENTER L.C (6.39%), GENISYS (6.50%) and LAKE MICHIGAN CREDIT UNION (6.55%).
FLINT, MI Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $101,855,000 | $124,820,000 | 22.5% | 10.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $90,990,000 | $118,605,000 | 30.3% | 9.5% |
| Preston Home Loans Inc | $51,270,000 | $74,900,000 | 46.1% | 6.0% |
| The Huntington National Bank | $46,170,000 | $58,925,000 | 27.6% | 4.7% |
| J. VIRGIL, INC. | $49,850,000 | $53,605,000 | 7.5% | 4.3% |
| Dort Financial Credit Union | $35,310,000 | $51,025,000 | 44.5% | 4.1% |
| GENISYS | $22,425,000 | $43,685,000 | 94.8% | 3.5% |
| ELGA CREDIT UNION | $36,830,000 | $36,865,000 | 0.1% | 2.9% |
| The State Bank | $32,475,000 | $30,025,000 | -7.5% | 2.4% |
| First State Bank | $27,465,000 | $29,015,000 | 5.6% | 2.3% |
| BLG HOLDINGS, INC. | $13,175,000 | $28,295,000 | 114.8% | 2.3% |
| LAKE MICHIGAN CREDIT UNION | $22,750,000 | $26,595,000 | 16.9% | 2.1% |
| The Dart Bank | $13,480,000 | $23,890,000 | 77.2% | 1.9% |
| MORTGAGE 1 INCORPORATED | $19,640,000 | $21,105,000 | 7.5% | 1.7% |
| Mortgage Research Center, LLC | $15,270,000 | $20,050,000 | 31.3% | 1.6% |
| DAS Acquisition Company, LLC | $19,465,000 | $18,260,000 | -6.2% | 1.5% |
| Flagstar Bank, FSB | $15,955,000 | $18,220,000 | 14.2% | 1.5% |
| FINANCIAL PLUS CREDIT UNION | $13,795,000 | $14,230,000 | 3.2% | 1.1% |
| NEWREZ LLC | $9,515,000 | $13,310,000 | 39.9% | 1.1% |
| UNION HOME MORTGAGE CORP. | $7,670,000 | $12,770,000 | 66.5% | 1.0% |
| ROSS MORTGAGE CORPORATION | $12,405,000 | $11,285,000 | -9.0% | 0.9% |
| JPMorgan Chase Bank | $17,020,000 | $10,485,000 | -38.4% | 0.8% |
| STAUNTON FINANCIAL, INC. | $10,385,000 | $10,340,000 | -0.4% | 0.8% |
| BROKER SOLUTIONS, INC. | $2,190,000 | $10,285,000 | 369.6% | 0.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $10,010,000 | $9,880,000 | -1.3% | 0.8% |
| 21ST MORTGAGE CORPORATION | $5,550,000 | $9,440,000 | 70.1% | 0.8% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $4,285,000 | $9,250,000 | 115.9% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $11,055,000 | $9,075,000 | -17.9% | 0.7% |
| Frankenmuth Credit Union | $9,500,000 | $9,035,000 | -4.9% | 0.7% |
| TOWNE MORTGAGE COMPANY | $10,520,000 | $8,725,000 | -17.1% | 0.7% |
| INSPIRE HOME LOANS INC. | $10,015,000 | $7,895,000 | -21.2% | 0.6% |
| Prosperity Home Mortgage, LLC | $2,600,000 | $7,895,000 | 203.7% | 0.6% |
| WALKER & DUNLOP, LLC | $6,745,000 | $7,790,000 | 15.5% | 0.6% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $6,230,000 | $7,500,000 | 20.4% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $4,065,000 | $7,345,000 | 80.7% | 0.6% |
| Fifth Third Bank | $8,965,000 | $7,075,000 | -21.1% | 0.6% |
| CREDIT UNION ONE | $4,795,000 | $6,480,000 | 35.1% | 0.5% |
| GUARANTEED RATE, INC. | $6,470,000 | $6,380,000 | -1.4% | 0.5% |
| Sunflower Bank | $5,080,000 | $6,195,000 | 21.9% | 0.5% |
| LOANDEPOT.COM, LLC | $6,070,000 | $6,125,000 | 0.9% | 0.5% |
| SUCCESS MORTGAGE PARTNERS, INC. | $12,545,000 | $5,775,000 | -54.0% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $4,245,000 | $5,765,000 | 35.8% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $4,055,000 | $5,695,000 | 40.4% | 0.5% |
| Independent Bank | $10,950,000 | $5,425,000 | -50.5% | 0.4% |
| MICHIGAN MUTUAL, INC. | $5,920,000 | $5,280,000 | -10.8% | 0.4% |
| TRIAD FINANCIAL SERVICES, INC. | $7,775,000 | $5,090,000 | -34.5% | 0.4% |
| Bank of America | $3,620,000 | $5,010,000 | 38.4% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $3,235,000 | $4,985,000 | 54.1% | 0.4% |
| First Merchants Bank | $5,685,000 | $4,980,000 | -12.4% | 0.4% |
| PNC Bank | $9,165,000 | $4,970,000 | -45.8% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $6,650,000 | $4,905,000 | -26.2% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $5,480,000 | $4,795,000 | -12.5% | 0.4% |
| MORTGAGE CENTER L.C | $2,540,000 | $4,720,000 | 85.8% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $880,000 | $4,375,000 | 397.2% | 0.3% |
| The Loan Store, Inc. | $790,000 | $4,335,000 | 448.7% | 0.3% |
| GreenStone Farm Credit Services, FLCA | $5,590,000 | $4,310,000 | -22.9% | 0.3% |
| SECURITY CREDIT UNION | $4,175,000 | $4,255,000 | 1.9% | 0.3% |
| GUILD MORTGAGE COMPANY | $4,205,000 | n/a | 0.3% | |
| Citizens Bank | $6,460,000 | $4,170,000 | -35.4% | 0.3% |
| CALCON MUTUAL MORTGAGE LLC | $4,115,000 | n/a | 0.3% | |
| Carrington Mortgage Services, LLC | $4,175,000 | $3,965,000 | -5.0% | 0.3% |
| MICHIGAN SCHOOLS AND GOVERNMENT | $2,815,000 | $3,700,000 | 31.4% | 0.3% |
| SOVITA Credit Union | $4,355,000 | $3,525,000 | -19.1% | 0.3% |
| PLANET HOME LENDING, LLC | $645,000 | $3,485,000 | 440.3% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $3,800,000 | $3,220,000 | -15.3% | 0.3% |
| MICHIGAN FIRST CREDIT UNION | $1,135,000 | $3,210,000 | 182.8% | 0.3% |
| Morgan Stanley Private Bank | $845,000 | $3,160,000 | 274.0% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $12,085,000 | $3,145,000 | -74.0% | 0.3% |
| NEW DAY FINANCIAL, LLC | $2,400,000 | $3,105,000 | 29.4% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $2,160,000 | $3,060,000 | 41.7% | 0.2% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | $2,925,000 | $2,870,000 | -1.9% | 0.2% |
| Figure Lending LLC | $2,090,000 | $2,745,000 | 31.3% | 0.2% |
| Equity Prime Mortgage LLC | $1,980,000 | $2,625,000 | 32.6% | 0.2% |
| PHH Mortgage Corporation | $195,000 | $2,610,000 | 1,238.5% | 0.2% |
| ChoiceOne Bank | $4,475,000 | $2,525,000 | -43.6% | 0.2% |
| CMG MORTGAGE, INC. | $730,000 | $2,400,000 | 228.8% | 0.2% |
| NBKC BANK | $1,570,000 | $2,310,000 | 47.1% | 0.2% |
| Discover Bank | $1,605,000 | $2,215,000 | 38.0% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $2,150,000 | $2,205,000 | 2.6% | 0.2% |
| PFCU | $1,265,000 | $2,205,000 | 74.3% | 0.2% |
| RUOFF MORTGAGE COMPANY, INC. | $940,000 | $2,200,000 | 134.0% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $2,155,000 | $2,145,000 | -0.5% | 0.2% |
| DFCU FINANCIAL | $1,495,000 | $2,090,000 | 39.8% | 0.2% |
| LOANPAL, LLC | $650,000 | $1,985,000 | 205.4% | 0.2% |
| U.S. Bank | $1,955,000 | $1,980,000 | 1.3% | 0.2% |
| Plains Commerce Bank | $435,000 | $1,940,000 | 346.0% | 0.2% |
| TEAM ONE CREDIT UNION | $2,170,000 | $1,935,000 | -10.8% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $2,250,000 | $1,845,000 | -18.0% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,935,000 | $1,710,000 | -41.7% | 0.1% |
| USAA Federal Savings Bank | $480,000 | $1,710,000 | 256.3% | 0.1% |
| VIBE CREDIT UNION | $2,220,000 | $1,635,000 | -26.4% | 0.1% |
| CARDINAL FINANCIAL | $1,665,000 | $1,575,000 | -5.4% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $930,000 | $1,560,000 | 67.7% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $480,000 | $1,520,000 | 216.7% | 0.1% |
| PREMIA MORTGAGE, LLC | $1,645,000 | $1,520,000 | -7.6% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $800,000 | $1,445,000 | 80.6% | 0.1% |
| AMERICAN FINANCING CORPORATION | $175,000 | $1,410,000 | 705.7% | 0.1% |
| CONSUMERS | $445,000 | $1,410,000 | 216.9% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $915,000 | $1,410,000 | 54.1% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $75,000 | $1,380,000 | 1,740.0% | 0.1% |
| Mercantile Bank of Michigan | $1,265,000 | $1,355,000 | 7.1% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $105,000 | $1,350,000 | 1,185.7% | 0.1% |
| Commerce Home Mortgage, Inc. | $555,000 | $1,335,000 | 140.5% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $570,000 | $1,330,000 | 133.3% | 0.1% |
| EMM LOANS LLC | $1,250,000 | n/a | 0.1% | |
| Coastal Community Bank | $1,055,000 | $1,240,000 | 17.5% | 0.1% |
| University Bank | $1,530,000 | $1,225,000 | -19.9% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $775,000 | $1,210,000 | 56.1% | 0.1% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $570,000 | $1,130,000 | 98.2% | 0.1% |
| Wildfire Credit Union | $1,185,000 | $1,125,000 | -5.1% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $170,000 | $1,060,000 | 523.5% | 0.1% |
| ZILLOW HOME LOANS, LLC | $2,530,000 | $1,050,000 | -58.5% | 0.1% |
| BETTER MORTGAGE CORPORATION | $495,000 | $1,030,000 | 108.1% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $115,000 | $1,020,000 | 787.0% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $665,000 | $1,015,000 | 52.6% | 0.1% |
| MEMBERFOCUS COMMUNITY | $2,105,000 | $1,005,000 | -52.3% | 0.1% |
| Northpointe Bank | $745,000 | $975,000 | 30.9% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $735,000 | $960,000 | 30.6% | 0.1% |
| ADVIA | $15,000 | $955,000 | 6,266.7% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $545,000 | $935,000 | 71.6% | 0.1% |
| THE MORTGAGE LINK, INC. | $915,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $915,000 | $910,000 | -0.5% | 0.1% |
| Old National Bank | $2,470,000 | $880,000 | -64.4% | 0.1% |
| GUIDANCE RESIDENTIAL, LLC | $105,000 | $865,000 | 723.8% | 0.1% |
| Thumb Bank and Trust | $470,000 | $855,000 | 81.9% | 0.1% |
| CLEARPATH LENDING | $835,000 | n/a | 0.1% | |
| COMMUNITY FINANCIAL CREDIT UNION | $690,000 | $790,000 | 14.5% | 0.1% |
| AmeriHome Mortgage Company, LLC | $530,000 | $775,000 | 46.2% | 0.1% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $765,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $560,000 | $725,000 | 29.5% | 0.1% |
| SOUTHWEST FUNDING, LP | $725,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $950,000 | $720,000 | -24.2% | 0.1% |
| THE ANDERSON FINANCIAL GROUP, INC. | $580,000 | $710,000 | 22.4% | 0.1% |
| EVERETT FINANCIAL, INC. | $2,520,000 | $695,000 | -72.4% | 0.1% |
| Gate City Bank | $695,000 | n/a | 0.1% | |
| MILEND, INC. | $655,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $210,000 | $645,000 | 207.1% | 0.1% |
| JMAC LENDING, INC. | $635,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $630,000 | n/a | 0.1% | |
| Ixonia Bank | $615,000 | n/a | 0.0% | |
| STOCKTON MORTGAGE CORPORATION | $55,000 | $605,000 | 1,000.0% | 0.0% |
| The Federal Savings Bank | $795,000 | $570,000 | -28.3% | 0.0% |
| Bank of England | $520,000 | n/a | 0.0% | |
| Horizon Bank | $620,000 | $520,000 | -16.1% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $245,000 | $520,000 | 112.2% | 0.0% |
| Cornerstone First Mortgage, Inc | $515,000 | n/a | 0.0% | |
| HALLMARK HOME MORTGAGE, LLC | $510,000 | n/a | 0.0% | |
| JOLT CREDIT UNION | $210,000 | $510,000 | 142.9% | 0.0% |
| MYCUMORTGAGE, LLC | $635,000 | $505,000 | -20.5% | 0.0% |
| Lakeview Community Capital, LLC | $95,000 | $485,000 | 410.5% | 0.0% |
| Isabella Bank | $50,000 | $480,000 | 860.0% | 0.0% |
| NFM, INC. | $95,000 | $480,000 | 405.3% | 0.0% |
| DELMAR FINANCIAL COMPANY | $665,000 | $475,000 | -28.6% | 0.0% |
| Comerica Bank | $1,165,000 | $465,000 | -60.1% | 0.0% |
| ADVANTAGE ONE Credit Union | $180,000 | $450,000 | 150.0% | 0.0% |
| M&T Bank | $290,000 | $430,000 | 48.3% | 0.0% |
| NexBank | $330,000 | $430,000 | 30.3% | 0.0% |
| Residential Mortgage Solutions, Inc. | $425,000 | n/a | 0.0% | |
| Bank of Ann Arbor | $440,000 | $420,000 | -4.5% | 0.0% |
| EMBRACE HOME LOANS, INC. | $415,000 | n/a | 0.0% | |
| Ally Bank | $235,000 | $410,000 | 74.5% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $410,000 | n/a | 0.0% | |
| Wells Fargo Bank | $2,490,000 | $410,000 | -83.5% | 0.0% |
| Texana Bank | $405,000 | n/a | 0.0% | |
| COMMUNITY CHOICE CREDIT UNION | $360,000 | $395,000 | 9.7% | 0.0% |
| LENDSURE MORTGAGE CORP. | $155,000 | $395,000 | 154.8% | 0.0% |
| HEALTH ADVANTAGE FEDERAL CREDIT UNION | $45,000 | $385,000 | 755.6% | 0.0% |
| Magnolia Bank | $255,000 | $380,000 | 49.0% | 0.0% |
| UNITED FINANCIAL Credit Union | $1,470,000 | $380,000 | -74.1% | 0.0% |
| ALLIANT CREDIT UNION | $110,000 | $365,000 | 231.8% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $365,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $245,000 | $365,000 | 49.0% | 0.0% |
| HOMESTEAD FUNDING CORP. | $245,000 | $345,000 | 40.8% | 0.0% |
| OCMBC, INC. | $235,000 | $345,000 | 46.8% | 0.0% |
| Tri-County Bank | $465,000 | $345,000 | -25.8% | 0.0% |
| Summit Mortgage Corporation | $340,000 | $335,000 | -1.5% | 0.0% |
| Hometown Equity Mortgage, LLC | $330,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $795,000 | $325,000 | -59.1% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $325,000 | n/a | 0.0% | |
| HomePromise Corporation | $255,000 | $315,000 | 23.5% | 0.0% |
| NEXERA HOLDING LLC | $315,000 | n/a | 0.0% | |
| V.I.P. MORTGAGE, INC. | $295,000 | n/a | 0.0% | |
| First Federal Bank of Kansas City | $285,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $35,000 | $280,000 | 700.0% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $535,000 | $275,000 | -48.6% | 0.0% |
| UIF CORPORATION | $1,395,000 | $275,000 | -80.3% | 0.0% |
| GREENSTATE CREDIT UNION | $115,000 | $270,000 | 134.8% | 0.0% |
| Baxter Credit Union | $45,000 | $265,000 | 488.9% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $165,000 | $265,000 | 60.6% | 0.0% |
| Independent Bank | $10,950,000 | $265,000 | -97.6% | 0.0% |
| First National Bank of America | $255,000 | n/a | 0.0% | |
| First Savings Bank | $695,000 | $255,000 | -63.3% | 0.0% |
| LAFCU | $105,000 | $255,000 | 142.9% | 0.0% |
| SPRING EQ, LLC | $480,000 | $255,000 | -46.9% | 0.0% |
| 1st State Financial, Ltd. | $690,000 | $245,000 | -64.5% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $425,000 | $245,000 | -42.4% | 0.0% |
| GENEVA FINANCIAL, LLC | $490,000 | $245,000 | -50.0% | 0.0% |
| Armed Forces Bank | $235,000 | n/a | 0.0% | |
| FirstBank | $235,000 | n/a | 0.0% | |
| First Federal Bank of the Midwest | $235,000 | n/a | 0.0% | |
| Arvest Bank | $105,000 | $225,000 | 114.3% | 0.0% |
| Century Mortgage Company DBA Century Lending Company | $420,000 | $225,000 | -46.4% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $225,000 | n/a | 0.0% | |
| Leader Bank | $215,000 | n/a | 0.0% | |
| BIRMINGHAM-BLOOMFIELD Credit Union | $150,000 | $205,000 | 36.7% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $165,000 | $205,000 | 24.2% | 0.0% |
| Stifel Bank and Trust | $205,000 | n/a | 0.0% | |
| MMS MORTGAGE SERVICES, LTD. | $185,000 | n/a | 0.0% | |
| NMSI, INC. | $185,000 | n/a | 0.0% | |
| DOW CHEMICAL EMPLOYEES' | $340,000 | $175,000 | -48.5% | 0.0% |
| Grand River Bank | $175,000 | n/a | 0.0% | |
| Nations Lending Corporation | $175,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $165,000 | n/a | 0.0% | |
| Princeton Mortgage Corporation | $165,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $480,000 | $160,000 | -66.7% | 0.0% |
| Zeal Credit Union | $45,000 | $160,000 | 255.6% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $155,000 | n/a | 0.0% | |
| BAY CAPITAL MORTGAGE CORPORATION | $155,000 | n/a | 0.0% | |
| Bell Bank | $215,000 | $155,000 | -27.9% | 0.0% |
| St James Mortgage Corporation | $155,000 | $155,000 | 0.0% | 0.0% |
| Bethpage Federal Credit Union | $65,000 | $150,000 | 130.8% | 0.0% |
| CONSTRUCTIVE LOANS, LLC | $85,000 | $150,000 | 76.5% | 0.0% |
| CORNERSTONE COMMUNITY FINANCIAL | $150,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $145,000 | n/a | 0.0% | |
| EQUITY RESOURCES, INC. | $195,000 | $145,000 | -25.6% | 0.0% |
| Lake Trust Credit Union | $185,000 | $145,000 | -21.6% | 0.0% |
| UNITED | $185,000 | $145,000 | -21.6% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $360,000 | $135,000 | -62.5% | 0.0% |
| Honor Credit Union | $125,000 | n/a | 0.0% | |
| Charles Schwab Bank, SSB | $115,000 | n/a | 0.0% | |
| Eaton Community Bank | $115,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $115,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $245,000 | $105,000 | -57.1% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $215,000 | $105,000 | -51.2% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $95,000 | n/a | 0.0% | |
| Meijer Credit Union | $15,000 | $90,000 | 500.0% | 0.0% |
| Michigan Educational Credit Union | $15,000 | $85,000 | 466.7% | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | $85,000 | n/a | 0.0% | |
| Home Mortgage Alliance Corp | $75,000 | n/a | 0.0% | |
| American 1 Credit Union | $55,000 | n/a | 0.0% | |
| SUNRISE FAMILY CREDIT UNION | $55,000 | n/a | 0.0% | |
| Adventure Credit Union | $45,000 | n/a | 0.0% | |
| ARBOR FINANCIAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| HFG HOLDINGS, LLC | $45,000 | n/a | 0.0% | |
| Michigan Legacy Credit Union | $45,000 | n/a | 0.0% | |
| US MORTGAGE CORPORATION | $275,000 | $45,000 | -83.6% | 0.0% |
| CASE | $15,000 | $35,000 | 133.3% | 0.0% |
| KeyBank | $320,000 | $35,000 | -89.1% | 0.0% |
| MidFirst Bank | $50,000 | $35,000 | -30.0% | 0.0% |
| Connexus Credit Union | $425,000 | $25,000 | -94.1% | 0.0% |
| SUN Federal Credit Union | $25,000 | n/a | 0.0% |
FLINT's top lender by overall market share is QUICKEN LOANS, LLC, with 10.0% market share. In second place, with 9.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $118,605,000 in loans. In third place, with 6.0%, is Preston Home Loans Inc, having originated $74,900,000 in loans. In fourth place, with 4.7%, is The Huntington National Bank, having originated $58,925,000 in loans. In fifth place, with 4.3%, is J. VIRGIL, INC., having originated $53,605,000 in loans.
FLINT Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - FLINT (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $139,900 (16.7%) | $190,980 (15.3%) | 0.52 | 1,038 |
| 2018-02-01 | $148,700 (19.1%) | $196,393 (16.1%) | 0.54 | 972 |
| 2018-03-01 | $154,950 (24.0%) | $203,516 (15.5%) | 0.54 | 947 |
| 2018-04-01 | $167,450 (28.9%) | $214,496 (15.4%) | 0.57 | 957 |
| 2018-05-01 | $169,400 (21.1%) | $217,028 (12.7%) | 0.57 | 1,062 |
| 2018-06-01 | $169,400 (14.7%) | $213,100 (8.5%) | 0.56 | 1,124 |
| 2018-07-01 | $169,450 (13.0%) | $210,973 (7.8%) | 0.57 | 1,191 |
| 2018-08-01 | $165,500 (10.4%) | $208,614 (7.5%) | 0.55 | 1,346 |
| 2018-09-01 | $162,500 (8.4%) | $206,408 (6.7%) | 0.55 | 1,420 |
| 2018-10-01 | $159,000 (1.7%) | $201,037 (1.4%) | 0.54 | 1,415 |
| 2018-11-01 | $151,450 (1.0%) | $195,462 (0.1%) | 0.51 | 1,395 |
| 2018-12-01 | $144,900 (3.6%) | $189,331 (-0.1%) | 0.50 | 1,327 |
| 2019-01-01 | $144,400 (3.2%) | $188,563 (-1.3%) | 0.50 | 1,211 |
| 2019-02-01 | $148,150 (-0.4%) | $191,966 (-2.3%) | 0.50 | 1,108 |
| 2019-03-01 | $156,371 (0.9%) | $202,158 (-0.7%) | 0.51 | 1,060 |
| 2019-04-01 | $165,000 (-1.5%) | $216,039 (0.7%) | 0.52 | 1,020 |
| 2019-05-01 | $179,900 (6.2%) | $227,924 (5.0%) | 0.56 | 1,046 |
| 2019-06-01 | $179,900 (6.2%) | $226,126 (6.1%) | 0.56 | 1,187 |
| 2019-07-01 | $182,400 (7.6%) | $228,361 (8.2%) | 0.57 | 1,253 |
| 2019-08-01 | $180,809 (9.3%) | $222,868 (6.8%) | 0.57 | 1,292 |
| 2019-09-01 | $174,673 (7.5%) | $213,651 (3.5%) | 0.56 | 1,357 |
| 2019-10-01 | $169,450 (6.6%) | $206,148 (2.5%) | 0.55 | 1,404 |
| 2019-11-01 | $169,695 (12.1%) | $210,201 (7.5%) | 0.56 | 1,296 |
| 2019-12-01 | $165,245 (14.0%) | $211,969 (12.0%) | 0.55 | 1,197 |
| 2020-01-01 | $165,700 (14.8%) | $214,832 (13.9%) | 0.55 | 1,085 |
| 2020-02-01 | $168,950 (14.0%) | $216,158 (12.6%) | 0.55 | 1,005 |
| 2020-03-01 | $179,900 (15.1%) | $225,460 (11.5%) | 0.56 | 945 |
| 2020-04-01 | $182,240 (10.5%) | $225,979 (4.6%) | 0.57 | 876 |
| 2020-05-01 | $189,850 (5.5%) | $233,125 (2.3%) | 0.58 | 870 |
| 2020-06-01 | $197,375 (9.7%) | $250,995 (11.0%) | 0.58 | 762 |
| 2020-07-01 | $199,900 (9.6%) | $261,541 (14.5%) | 0.58 | 689 |
| 2020-08-01 | $209,900 (16.1%) | $274,751 (23.3%) | 0.60 | 667 |
| 2020-09-01 | $204,975 (17.4%) | $268,386 (25.6%) | 0.59 | 650 |
| 2020-10-01 | $199,900 (18.0%) | $260,928 (26.6%) | 0.57 | 626 |
| 2020-11-01 | $199,900 (17.8%) | $262,430 (24.9%) | 0.58 | 570 |
| 2020-12-01 | $189,950 (15.0%) | $260,205 (22.8%) | 0.56 | 526 |
| 2021-01-01 | $179,990 (8.6%) | $258,324 (20.3%) | 0.54 | 469 |
| 2021-02-01 | $175,000 (3.6%) | $271,362 (25.5%) | 0.51 | 405 |
| 2021-03-01 | $179,900 (0.0%) | $261,576 (16.0%) | 0.51 | 426 |
| 2021-04-01 | $179,900 (-1.3%) | $260,140 (15.1%) | 0.49 | 465 |
| 2021-05-01 | $185,000 (-2.6%) | $255,205 (9.5%) | 0.49 | 506 |
| 2021-06-01 | $192,500 (-2.5%) | $257,043 (2.4%) | 0.51 | 591 |
| 2021-07-01 | $199,900 (0.0%) | $269,783 (3.2%) | 0.53 | 651 |
| 2021-08-01 | $209,925 (0.0%) | $264,262 (-3.8%) | 0.56 | 735 |
| 2021-09-01 | $189,800 (-7.4%) | $248,279 (-7.5%) | 0.51 | 765 |
| 2021-10-01 | $189,900 (-5.0%) | $252,047 (-3.4%) | 0.51 | 789 |
| 2021-11-01 | $176,450 (-11.7%) | $245,392 (-6.5%) | 0.47 | 734 |
| 2021-12-01 | $174,900 (-7.9%) | $244,484 (-6.0%) | 0.47 | 656 |
| 2022-01-01 | $172,400 (-4.2%) | $241,668 (-6.5%) | 0.47 | 598 |
| 2022-02-01 | $175,950 (0.5%) | $258,750 (-4.7%) | 0.46 | 539 |
| 2022-03-01 | $199,950 (11.2%) | $262,465 (0.3%) | 0.50 | 553 |
| 2022-04-01 | $214,950 (19.5%) | $267,178 (2.7%) | 0.51 | 575 |
| 2022-05-01 | $219,900 (18.9%) | $276,155 (8.2%) | 0.50 | 645 |
| 2022-06-01 | $234,975 (22.1%) | $287,652 (11.9%) | 0.52 | 726 |
| 2022-07-01 | $220,000 (10.1%) | $275,275 (2.0%) | 0.50 | 959 |
| 2022-08-01 | $219,900 (4.8%) | $266,990 (1.0%) | 0.51 | 1,025 |
| 2022-09-01 | $214,900 (13.2%) | $266,044 (7.2%) | 0.50 | 1,007 |
| 2022-10-01 | $209,900 (10.5%) | $259,385 (2.9%) | 0.49 | 1,046 |
| 2022-11-01 | $198,475 (12.5%) | $251,224 (2.4%) | 0.48 | 1,049 |
| 2022-12-01 | $185,000 (5.8%) | $244,001 (-0.2%) | 0.46 | 947 |
| 2023-01-01 | $181,950 (5.5%) | $247,261 (2.3%) | 0.45 | 821 |
| 2023-02-01 | $189,338 (7.6%) | $257,628 (-0.4%) | 0.46 | 746 |
| 2023-03-01 | $181,975 (-9.0%) | $253,016 (-3.6%) | 0.43 | 662 |
| 2023-04-01 | $184,250 (-14.3%) | $258,197 (-3.4%) | 0.43 | 614 |
| 2023-05-01 | $184,675 (-16.0%) | $258,683 (-6.3%) | 0.42 | 637 |
| 2023-06-01 | $179,450 (-23.6%) | $261,576 (-9.1%) | 0.40 | 649 |
| 2023-07-01 | $206,200 (-6.3%) | $268,414 (-2.5%) | 0.47 | 654 |
| 2023-08-01 | $209,925 (-4.5%) | $260,099 (-2.6%) | 0.48 | 742 |
| 2023-09-01 | $199,900 (-7.0%) | $254,818 (-4.2%) | 0.47 | 794 |
| 2023-10-01 | $192,000 (-8.5%) | $252,667 (-2.6%) | 0.45 | 829 |
| 2023-11-01 | $199,900 (0.7%) | $254,377 (1.3%) | 0.48 | 827 |
| 2023-12-01 | $198,900 (7.5%) | $249,611 (2.3%) | 0.49 | 804 |
| 2024-01-01 | $192,425 (5.8%) | $251,190 (1.6%) | 0.47 | 711 |
| 2024-02-01 | $194,900 (2.9%) | $255,432 (-0.9%) | 0.47 | 648 |
| 2024-03-01 | $189,997 (4.4%) | $253,860 (0.3%) | 0.45 | 635 |
| 2024-04-01 | $202,500 (9.9%) | $258,529 (0.1%) | 0.47 | 645 |
| 2024-05-01 | $199,950 (8.3%) | $264,769 (2.4%) | 0.45 | 716 |
| 2024-06-01 | $199,900 (11.4%) | $256,941 (-1.8%) | 0.45 | 801 |
| 2024-07-01 | $199,500 (-3.3%) | $259,088 (-3.5%) | 0.46 | 851 |
| 2024-08-01 | $200,000 (-4.7%) | $254,484 (-2.2%) | 0.47 | 897 |
| 2024-09-01 | $192,425 (-3.7%) | $237,906 (-6.6%) | 0.45 | 928 |
| 2024-10-01 | $184,950 (-3.7%) | $228,770 (-9.5%) | 0.44 | 962 |
| 2024-11-01 | $174,900 (-12.5%) | $224,443 (-11.8%) | 0.42 | 1,040 |
| 2024-12-01 | $159,900 (-19.6%) | $222,615 (-10.8%) | 0.40 | 983 |
| 2025-01-01 | $157,198 (-18.3%) | $217,411 (-13.5%) | 0.39 | 880 |
| 2025-02-01 | $149,400 (-23.4%) | $210,170 (-17.7%) | 0.36 | 815 |
| 2025-03-01 | $149,900 (-21.1%) | $221,243 (-12.9%) | 0.35 | 775 |
| 2025-04-01 | $159,475 (-21.3%) | $242,588 (-6.2%) | 0.37 | 762 |
FLINT's median listing price for 2025-04-01 was $159,475, a difference of
$-43,025
(-21.3%) versus the prior year and
$9,575 versus the prior month.
FLINT's median listing price comes in at 37% of the national average.
FLINT's average listing price for 2025-04-01 was $242,588, a difference of $-15,941 (-6.2%) versus the prior year and $21,345 versus the prior month.
For the 2025-04-01 period, FLINT had 762 MLS listings, a difference of -13 listings (-2%) versus the prior month and 117 listings (18%) versus the prior year.
FLINT's median listing price comes in at 37% of the national average.
FLINT's average listing price for 2025-04-01 was $242,588, a difference of $-15,941 (-6.2%) versus the prior year and $21,345 versus the prior month.
For the 2025-04-01 period, FLINT had 762 MLS listings, a difference of -13 listings (-2%) versus the prior month and 117 listings (18%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - FLINT (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 74 days | 1,511 sqft |
| 2018-02-01 | 67 days | 1,551 sqft |
| 2018-03-01 | 60 days | 1,566 sqft |
| 2018-04-01 | 48 days | 1,614 sqft |
| 2018-05-01 | 39 days | 1,624 sqft |
| 2018-06-01 | 38 days | 1,601 sqft |
| 2018-07-01 | 43 days | 1,608 sqft |
| 2018-08-01 | 40 days | 1,606 sqft |
| 2018-09-01 | 47 days | 1,600 sqft |
| 2018-10-01 | 51 days | 1,586 sqft |
| 2018-11-01 | 55 days | 1,550 sqft |
| 2018-12-01 | 63 days | 1,501 sqft |
| 2019-01-01 | 73 days | 1,499 sqft |
| 2019-02-01 | 69 days | 1,500 sqft |
| 2019-03-01 | 56 days | 1,540 sqft |
| 2019-04-01 | 46 days | 1,576 sqft |
| 2019-05-01 | 43 days | 1,601 sqft |
| 2019-06-01 | 38 days | 1,614 sqft |
| 2019-07-01 | 43 days | 1,627 sqft |
| 2019-08-01 | 46 days | 1,613 sqft |
| 2019-09-01 | 49 days | 1,593 sqft |
| 2019-10-01 | 51 days | 1,569 sqft |
| 2019-11-01 | 59 days | 1,561 sqft |
| 2019-12-01 | 67 days | 1,579 sqft |
| 2020-01-01 | 79 days | 1,599 sqft |
| 2020-02-01 | 72 days | 1,600 sqft |
| 2020-03-01 | 53 days | 1,621 sqft |
| 2020-04-01 | 67 days | 1,623 sqft |
| 2020-05-01 | 72 days | 1,618 sqft |
| 2020-06-01 | 40 days | 1,676 sqft |
| 2020-07-01 | 39 days | 1,708 sqft |
| 2020-08-01 | 33 days | 1,766 sqft |
| 2020-09-01 | 32 days | 1,700 sqft |
| 2020-10-01 | 31 days | 1,691 sqft |
| 2020-11-01 | 39 days | 1,692 sqft |
| 2020-12-01 | 45 days | 1,603 sqft |
| 2021-01-01 | 41 days | 1,521 sqft |
| 2021-02-01 | 34 days | 1,457 sqft |
| 2021-03-01 | 30 days | 1,465 sqft |
| 2021-04-01 | 25 days | 1,462 sqft |
| 2021-05-01 | 26 days | 1,481 sqft |
| 2021-06-01 | 26 days | 1,500 sqft |
| 2021-07-01 | 25 days | 1,576 sqft |
| 2021-08-01 | 29 days | 1,494 sqft |
| 2021-09-01 | 33 days | 1,448 sqft |
| 2021-10-01 | 36 days | 1,478 sqft |
| 2021-11-01 | 45 days | 1,419 sqft |
| 2021-12-01 | 51 days | 1,422 sqft |
| 2022-01-01 | 52 days | 1,418 sqft |
| 2022-02-01 | 41 days | 1,434 sqft |
| 2022-03-01 | 29 days | 1,451 sqft |
| 2022-04-01 | 32 days | 1,451 sqft |
| 2022-05-01 | 31 days | 1,495 sqft |
| 2022-06-01 | 31 days | 1,537 sqft |
| 2022-07-01 | 29 days | 1,536 sqft |
| 2022-08-01 | 39 days | 1,546 sqft |
| 2022-09-01 | 46 days | 1,544 sqft |
| 2022-10-01 | 45 days | 1,516 sqft |
| 2022-11-01 | 48 days | 1,469 sqft |
| 2022-12-01 | 59 days | 1,420 sqft |
| 2023-01-01 | 68 days | 1,400 sqft |
| 2023-02-01 | 65 days | 1,428 sqft |
| 2023-03-01 | 50 days | 1,395 sqft |
| 2023-04-01 | 40 days | 1,400 sqft |
| 2023-05-01 | 31 days | 1,435 sqft |
| 2023-06-01 | 33 days | 1,406 sqft |
| 2023-07-01 | 37 days | 1,450 sqft |
| 2023-08-01 | 35 days | 1,450 sqft |
| 2023-09-01 | 44 days | 1,450 sqft |
| 2023-10-01 | 43 days | 1,425 sqft |
| 2023-11-01 | 45 days | 1,424 sqft |
| 2023-12-01 | 53 days | 1,376 sqft |
| 2024-01-01 | 61 days | 1,343 sqft |
| 2024-02-01 | 59 days | 1,341 sqft |
| 2024-03-01 | 53 days | 1,347 sqft |
| 2024-04-01 | 46 days | 1,421 sqft |
| 2024-05-01 | 38 days | 1,385 sqft |
| 2024-06-01 | 40 days | 1,390 sqft |
| 2024-07-01 | 41 days | 1,379 sqft |
| 2024-08-01 | 43 days | 1,400 sqft |
| 2024-09-01 | 45 days | 1,362 sqft |
| 2024-10-01 | 48 days | 1,347 sqft |
| 2024-11-01 | 52 days | 1,320 sqft |
| 2024-12-01 | 58 days | 1,284 sqft |
| 2025-01-01 | 66 days | 1,280 sqft |
| 2025-02-01 | 73 days | 1,266 sqft |
| 2025-03-01 | 58 days | 1,262 sqft |
| 2025-04-01 | 52 days | 1,274 sqft |
FLINT's median listing age (time on market) for 2025-04-01 was 52 days.
This
is 14%
longer
than the same period one year ago.
FLINT's median square footage for active listings during the 2025-04-01 period was 1,274 sqft. One year prior, the average listing was 1,421 sqft.
FLINT's median square footage for active listings during the 2025-04-01 period was 1,274 sqft. One year prior, the average listing was 1,421 sqft.
FLINT, MI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 4,139 | $821,335,000 | $198,438 |
| Cash Out Refi | 1,105 | $151,485,000 | $137,090 |
| Other | 1,073 | $69,655,000 | $64,916 |
| Home Improvement | 792 | $55,110,000 | $69,583 |
| Refi | 700 | $154,980,000 | $221,400 |
Flint's most frequently cited loan purpose was Home Purchase, with 4,139 originations. The 2nd most popular reason was Cash Out Refi, with 1,105 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 3,104 | $606,560,000 | $195,412 |
| Over 8% | 1,843 | $148,115,000 | $80,366 |
| 7-8% | 1,759 | $297,545,000 | $169,156 |
| 5-6% | 797 | $171,415,000 | $215,075 |
| 4-5% | 125 | $16,425,000 | $131,400 |
| <2.5% | 54 | $620,000 | $11,481 |
| 3-4% | 13 | $2,165,000 | $166,538 |
| 2.5-3% | 6 | $440,000 | $73,333 |
During 2024, Flint's most frequently originated rate bucket was 6-7%, with 3,104 originations.
Loan Sizing (FLINT, MI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 3,033 | $163,045,000 | $53,757 |
| $100k-200k | 2,500 | $370,220,000 | $148,088 |
| $200k-400k | 1,990 | $531,540,000 | $267,106 |
| $400k-600k | 212 | $98,170,000 | $463,066 |
| $600k-1000k | 58 | $42,430,000 | $731,552 |
| $Over $1MM | 16 | $47,160,000 | $2,947,500 |
FLINT's loan sizing saw the bucket of loans from $100,000 or less with 3,033 originations, totaling $163,045,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 3,319 | $709,465,000 | $213,759 |
| 60-80% | 1,321 | $261,155,000 | $197,695 |
| 20-40% | 1,025 | $85,515,000 | $83,429 |
| Under 20% | 930 | $37,090,000 | $39,882 |
| 40-60% | 572 | $82,190,000 | $143,689 |
| Over 100% | 69 | $18,675,000 | $270,652 |
FLINT's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 3,319 originations, totaling $709,465,000 in origination value.