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
7.31%
for the week of 2023-11-30, compared to the national average of
7.22% for the same period.
The average rate for the prior week (2023-11-22) was
7.08% and
one month ago for the week of 2023-10-26, the
average rate was 7.98%.
Flint's average rate one year ago was 6.67%.
For refis of the same type during the week of 2023-11-30, the average rate
was 6.1%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-11-30 | 7.22% |
| Flint 30 Year Fixed Rate | 2023-11-30 | 7.31% |
| Flint 30 Year Fixed Rate Refi | 2023-11-30 | 6.1% |
| Flint 15 Year Fixed Rate | 2023-11-30 | 7.56% |
| Flint 15 Year Fixed Rate Refi | 2023-11-30 | 6.13% |
| Flint 30 Year FHA | 2023-11-30 | 6.63% |
| Flint 30 Year FHA Refi | 2023-11-30 | 5.58% |
| Flint 30 Year USDA | 2023-11-30 | 6.67% |
| Flint 30 Year USDA Refi | 2023-11-30 | 7.1% |
| Flint 30 Year VA | 2023-11-30 | 6.87% |
| Flint 30 Year VA Refi | 2023-11-30 | 6.87% |
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 204 lenders originated 9,856
loans during 2022. The total origination value was $1,632,530,000, with an average loan value of
$165,638.
FLINT's average closing costs are $4,222.
The top FLINT lender as defined by loan originations is QUICKEN LOANS, LLC, with
422 loans originated. Their average total fees are
$5,269, which is $206
higher than the next largest lender,
J. VIRGIL, INC..
The lowest fee FLINT lenders (with over 10 loans originated) are
TEAM ONE CREDIT UNION ($519), Frankenmuth Credit Union ($1,903), SECURITY CREDIT UNION ($2,075), JPMorgan Chase Bank ($2,560) and UNIVERSITY OF MICHIGAN CREDIT UNION ($2,583).
The lowest rate FLINT lenders (with over 10 loans originated) are
Bank of America (3.93%), BETTER MORTGAGE CORPORATION (4.05%), First Merchants Bank (4.10%), LOANDEPOT.COM, LLC (4.31%) and Dort Financial Credit Union (4.39%).
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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $358,845,000 | $153,095,000 | -57.3% | 9.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $168,140,000 | $93,960,000 | -44.1% | 5.8% |
| J. VIRGIL, INC. | $161,890,000 | $89,585,000 | -44.7% | 5.5% |
| The State Bank | $116,590,000 | $67,595,000 | -42.0% | 4.1% |
| Preston Home Loans Inc | $75,065,000 | $60,370,000 | -19.6% | 3.7% |
| The Huntington National Bank | $89,585,000 | $59,005,000 | -34.1% | 3.6% |
| Dort Financial Credit Union | $62,760,000 | $54,155,000 | -13.7% | 3.3% |
| MID AMERICA MORTGAGE, INC. | $110,560,000 | $52,640,000 | -52.4% | 3.2% |
| ELGA CREDIT UNION | $67,920,000 | $45,590,000 | -32.9% | 2.8% |
| Wintrust Bank, N.A. | $40,005,000 | n/a | 2.5% | |
| LAKE MICHIGAN CREDIT UNION | $52,065,000 | $36,890,000 | -29.1% | 2.3% |
| JPMorgan Chase Bank | $64,940,000 | $34,810,000 | -46.4% | 2.1% |
| Flagstar Bank, FSB | $46,735,000 | $29,905,000 | -36.0% | 1.8% |
| GENISYS | $41,760,000 | $27,590,000 | -33.9% | 1.7% |
| MORTGAGE 1 INCORPORATED | $48,335,000 | $25,630,000 | -47.0% | 1.6% |
| CALIBER HOME LOANS, INC. | $48,775,000 | $24,605,000 | -49.6% | 1.5% |
| Mortgage Research Center, LLC | $20,895,000 | $20,720,000 | -0.8% | 1.3% |
| Arbor Realty Trust, Inc. | $20,505,000 | n/a | 1.3% | |
| FINANCIAL PLUS CREDIT UNION | $46,555,000 | $20,405,000 | -56.2% | 1.2% |
| GREYSTONE SERVICING COMPANY LLC | $7,045,000 | $20,005,000 | 184.0% | 1.2% |
| GUARANTEED RATE, INC. | $29,295,000 | $19,085,000 | -34.9% | 1.2% |
| Fifth Third Bank | $40,975,000 | $18,790,000 | -54.1% | 1.2% |
| LEGEND LENDING CORPORATION | $18,450,000 | n/a | 1.1% | |
| Sunflower Bank | $54,710,000 | $15,785,000 | -71.1% | 1.0% |
| First State Bank | $3,190,000 | $14,365,000 | 350.3% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $36,225,000 | $14,125,000 | -61.0% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $52,220,000 | $13,320,000 | -74.5% | 0.8% |
| Independent Bank | $23,745,000 | $13,060,000 | -45.0% | 0.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $18,100,000 | $13,055,000 | -27.9% | 0.8% |
| READYCAP COMMERCIAL, LLC | $13,010,000 | n/a | 0.8% | |
| STAUNTON FINANCIAL, INC. | $11,235,000 | $12,955,000 | 15.3% | 0.8% |
| First Merchants Bank | $12,600,000 | n/a | 0.8% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $27,920,000 | $11,965,000 | -57.1% | 0.7% |
| Frankenmuth Credit Union | $21,815,000 | $11,580,000 | -46.9% | 0.7% |
| ROSS MORTGAGE CORPORATION | $24,920,000 | $11,355,000 | -54.4% | 0.7% |
| TOWNE MORTGAGE COMPANY | $25,365,000 | $11,220,000 | -55.8% | 0.7% |
| PNC Bank | $9,845,000 | $10,615,000 | 7.8% | 0.7% |
| LOANDEPOT.COM, LLC | $27,050,000 | $10,425,000 | -61.5% | 0.6% |
| Regions Bank | $10,365,000 | n/a | 0.6% | |
| Citizens Bank | $15,400,000 | $10,070,000 | -34.6% | 0.6% |
| TRIAD FINANCIAL SERVICES, INC. | $6,500,000 | $10,055,000 | 54.7% | 0.6% |
| UNION HOME MORTGAGE CORP. | $29,905,000 | $9,540,000 | -68.1% | 0.6% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $12,910,000 | $9,185,000 | -28.9% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $20,290,000 | $9,165,000 | -54.8% | 0.6% |
| Wells Fargo Bank | $16,505,000 | $8,925,000 | -45.9% | 0.5% |
| HOME POINT FINANCIAL CORPORATION | $13,950,000 | $8,785,000 | -37.0% | 0.5% |
| Capital One | $11,435,000 | $8,635,000 | -24.5% | 0.5% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $9,670,000 | $8,000,000 | -17.3% | 0.5% |
| PLAZA HOME MORTGAGE, INC. | $14,635,000 | $7,770,000 | -46.9% | 0.5% |
| Merchants Bank of Indiana | $7,670,000 | n/a | 0.5% | |
| NEWREZ LLC | $23,380,000 | $7,460,000 | -68.1% | 0.5% |
| DAS Acquisition Company, LLC | $4,525,000 | $7,175,000 | 58.6% | 0.4% |
| CREDIT UNION ONE | $2,890,000 | $7,165,000 | 147.9% | 0.4% |
| MICHIGAN MUTUAL, INC. | $10,935,000 | $7,035,000 | -35.7% | 0.4% |
| ACADEMY MORTGAGE CORPORATION | $10,815,000 | $6,735,000 | -37.7% | 0.4% |
| ORIX REAL ESTATE CAPITAL, LLC | $6,705,000 | n/a | 0.4% | |
| SECURITY CREDIT UNION | $9,435,000 | $6,695,000 | -29.0% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $6,615,000 | $6,410,000 | -3.1% | 0.4% |
| GreenStone Farm Credit Services, FLCA | $5,495,000 | $6,395,000 | 16.4% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $19,945,000 | $6,375,000 | -68.0% | 0.4% |
| Bank of America | $9,170,000 | $6,315,000 | -31.1% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $14,510,000 | $6,055,000 | -58.3% | 0.4% |
| SOVITA Credit Union | $3,400,000 | $5,775,000 | 69.9% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $11,995,000 | $5,765,000 | -51.9% | 0.4% |
| BLG HOLDINGS, INC. | $22,390,000 | $5,750,000 | -74.3% | 0.4% |
| TEAM ONE CREDIT UNION | $4,410,000 | $5,400,000 | 22.4% | 0.3% |
| INSPIRE HOME LOANS INC. | $11,585,000 | $4,985,000 | -57.0% | 0.3% |
| U.S. Bank | $9,575,000 | $4,885,000 | -49.0% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,690,000 | $4,350,000 | -35.0% | 0.3% |
| Carrington Mortgage Services, LLC | $7,450,000 | $4,345,000 | -41.7% | 0.3% |
| NEW DAY FINANCIAL, LLC | $5,330,000 | $4,080,000 | -23.5% | 0.2% |
| ChoiceOne Bank | $6,065,000 | $3,775,000 | -37.8% | 0.2% |
| BROKER SOLUTIONS, INC. | $11,325,000 | $3,730,000 | -67.1% | 0.2% |
| Platinum Home Mortgage Corporation | $9,065,000 | $3,620,000 | -60.1% | 0.2% |
| The Dart Bank | $5,365,000 | $3,435,000 | -36.0% | 0.2% |
| BETTER MORTGAGE CORPORATION | $6,660,000 | $3,250,000 | -51.2% | 0.2% |
| EVERETT FINANCIAL, INC. | $2,410,000 | $3,045,000 | 26.3% | 0.2% |
| Horizon Bank | $800,000 | $2,970,000 | 271.3% | 0.2% |
| MICHIGAN SCHOOLS AND GOVERNMENT | $9,425,000 | $2,910,000 | -69.1% | 0.2% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | $940,000 | $2,775,000 | 195.2% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $9,375,000 | $2,615,000 | -72.1% | 0.2% |
| COMMUNITY FINANCIAL CREDIT UNION | $1,520,000 | $2,595,000 | 70.7% | 0.2% |
| FINANCE OF AMERICA MORTGAGE LLC | $1,965,000 | $2,510,000 | 27.7% | 0.2% |
| Ally Bank | $2,005,000 | $2,380,000 | 18.7% | 0.1% |
| MORTGAGE CENTER L.C | $5,685,000 | $2,355,000 | -58.6% | 0.1% |
| USAA Federal Savings Bank | $3,365,000 | $2,270,000 | -32.5% | 0.1% |
| Tri-County Bank | $205,000 | $2,225,000 | 985.4% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,870,000 | $2,200,000 | 17.6% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $1,320,000 | $2,175,000 | 64.8% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $960,000 | $2,125,000 | 121.4% | 0.1% |
| 21ST MORTGAGE CORPORATION | $1,035,000 | $2,110,000 | 103.9% | 0.1% |
| Figure Lending LLC | $1,185,000 | $2,110,000 | 78.1% | 0.1% |
| BM Real Estate Services, Inc. | $2,270,000 | $2,095,000 | -7.7% | 0.1% |
| LIMA ONE CAPITAL, LLC | $2,090,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $2,475,000 | $2,020,000 | -18.4% | 0.1% |
| Prosperity Home Mortgage, LLC | $990,000 | $1,845,000 | 86.4% | 0.1% |
| CMG MORTGAGE, INC. | $980,000 | $1,825,000 | 86.2% | 0.1% |
| Hometown Lenders, Inc. | $545,000 | $1,805,000 | 231.2% | 0.1% |
| AMERIFIRST FINANCIAL CORPORATION | $4,965,000 | $1,800,000 | -63.7% | 0.1% |
| MICHIGAN FIRST CREDIT UNION | $4,165,000 | $1,790,000 | -57.0% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,640,000 | $1,665,000 | -54.3% | 0.1% |
| CASE | $1,980,000 | $1,655,000 | -16.4% | 0.1% |
| PFCU | $2,050,000 | $1,640,000 | -20.0% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $3,450,000 | $1,620,000 | -53.0% | 0.1% |
| Comerica Bank | $1,380,000 | $1,615,000 | 17.0% | 0.1% |
| PREMIA MORTGAGE, LLC | $3,495,000 | $1,540,000 | -55.9% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $3,180,000 | $1,525,000 | -52.0% | 0.1% |
| DOW CHEMICAL EMPLOYEES' | $1,070,000 | $1,510,000 | 41.1% | 0.1% |
| Nations Lending Corporation | $550,000 | $1,495,000 | 171.8% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $3,135,000 | $1,465,000 | -53.3% | 0.1% |
| Wildfire Credit Union | $2,405,000 | $1,410,000 | -41.4% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $1,820,000 | $1,385,000 | -23.9% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $1,065,000 | $1,385,000 | 30.0% | 0.1% |
| Old National Bank | $8,810,000 | $1,380,000 | -84.3% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $205,000 | $1,240,000 | 504.9% | 0.1% |
| AmeriHome Mortgage Company, LLC | $5,330,000 | $1,235,000 | -76.8% | 0.1% |
| First Guaranty Mortgage Corporation | $3,295,000 | $1,180,000 | -64.2% | 0.1% |
| DFCU FINANCIAL | $2,570,000 | $1,175,000 | -54.3% | 0.1% |
| UNIVERSITY LENDING GROUP, LLC | $3,650,000 | $1,175,000 | -67.8% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $7,120,000 | $1,130,000 | -84.1% | 0.1% |
| VIBE CREDIT UNION | $4,265,000 | $1,115,000 | -73.9% | 0.1% |
| Northpointe Bank | $2,885,000 | $1,110,000 | -61.5% | 0.1% |
| UNITED FINANCIAL Credit Union | $1,320,000 | $1,095,000 | -17.0% | 0.1% |
| M&T Bank | $2,935,000 | $1,090,000 | -62.9% | 0.1% |
| PHH Mortgage Corporation | $3,330,000 | $1,090,000 | -67.3% | 0.1% |
| Commerce Home Mortgage, Inc. | $525,000 | $1,085,000 | 106.7% | 0.1% |
| Equity Prime Mortgage LLC | $560,000 | $1,075,000 | 92.0% | 0.1% |
| Discover Bank | $1,310,000 | $1,045,000 | -20.2% | 0.1% |
| UIF CORPORATION | $970,000 | $1,035,000 | 6.7% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $950,000 | $1,030,000 | 8.4% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $965,000 | $995,000 | 3.1% | 0.1% |
| Bank of Ann Arbor | $6,060,000 | $980,000 | -83.8% | 0.1% |
| RUOFF MORTGAGE COMPANY, INC. | $7,410,000 | $965,000 | -87.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $695,000 | $960,000 | 38.1% | 0.1% |
| THE ANDERSON FINANCIAL GROUP, INC. | $420,000 | $960,000 | 128.6% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $380,000 | $950,000 | 150.0% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $2,250,000 | $900,000 | -60.0% | 0.1% |
| BNC National Bank | $235,000 | $880,000 | 274.5% | 0.1% |
| PLANET HOME LENDING, LLC | $1,860,000 | $880,000 | -52.7% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $125,000 | $835,000 | 568.0% | 0.1% |
| First State Bank of St. Charles, Missouri | $255,000 | $820,000 | 221.6% | 0.1% |
| BIRMINGHAM-BLOOMFIELD Credit Union | $310,000 | $790,000 | 154.8% | 0.0% |
| Paramount Residential Mortgage Group, Inc. | $2,620,000 | $785,000 | -70.0% | 0.0% |
| County National Bank | $515,000 | $770,000 | 49.5% | 0.0% |
| Watermark Capital, Inc. | $205,000 | $740,000 | 261.0% | 0.0% |
| Bank of England | $2,330,000 | $715,000 | -69.3% | 0.0% |
| SUMMIT FUNDING, INC. | $2,055,000 | $705,000 | -65.7% | 0.0% |
| Magnolia Bank | $580,000 | $695,000 | 19.8% | 0.0% |
| AMERICAN ADVISORS GROUP | $330,000 | $690,000 | 109.1% | 0.0% |
| CLEARPATH LENDING | $1,805,000 | $675,000 | -62.6% | 0.0% |
| MY MORTGAGE, INC. | $660,000 | n/a | 0.0% | |
| Michigan Educational Credit Union | $895,000 | $655,000 | -26.8% | 0.0% |
| MYCUMORTGAGE, LLC | $760,000 | $645,000 | -15.1% | 0.0% |
| LOANPAL, LLC | $290,000 | $630,000 | 117.2% | 0.0% |
| The Federal Savings Bank | $625,000 | $620,000 | -0.8% | 0.0% |
| WINGS FINANCIAL | $620,000 | n/a | 0.0% | |
| Associated Bank | $755,000 | $580,000 | -23.2% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $2,195,000 | $580,000 | -73.6% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $835,000 | $575,000 | -31.1% | 0.0% |
| RESIDENTIAL BANCORP. | $885,000 | $575,000 | -35.0% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $350,000 | $565,000 | 61.4% | 0.0% |
| EMM LOANS LLC | $680,000 | $550,000 | -19.1% | 0.0% |
| Luxury Mortgage Corp. | $1,385,000 | $550,000 | -60.3% | 0.0% |
| Arvest Bank | $135,000 | $545,000 | 303.7% | 0.0% |
| Hometown Equity Mortgage, LLC | $545,000 | n/a | 0.0% | |
| 1st State Financial, Ltd. | $1,580,000 | $530,000 | -66.5% | 0.0% |
| First Savings Bank | $3,800,000 | $525,000 | -86.2% | 0.0% |
| KELLER MORTGAGE, LLC | $1,395,000 | $525,000 | -62.4% | 0.0% |
| VAN DYK MORTGAGE CORPORATION | $585,000 | $525,000 | -10.3% | 0.0% |
| First Home Bank | $510,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $225,000 | $510,000 | 126.7% | 0.0% |
| PROPONENT Federal Credit Union | $505,000 | n/a | 0.0% | |
| Waterford Bank, N.A. | $8,235,000 | $505,000 | -93.9% | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | $1,155,000 | $495,000 | -57.1% | 0.0% |
| Lend Smart Mortgage, LLC | $490,000 | n/a | 0.0% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,195,000 | $480,000 | -59.8% | 0.0% |
| COMMUNITY CHOICE CREDIT UNION | $290,000 | $475,000 | 63.8% | 0.0% |
| SPRING EQ, LLC | $740,000 | $460,000 | -37.8% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $430,000 | $455,000 | 5.8% | 0.0% |
| First United Bank and Trust Company | $455,000 | n/a | 0.0% | |
| STOCKTON MORTGAGE CORPORATION | $260,000 | $445,000 | 71.2% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $3,880,000 | $440,000 | -88.7% | 0.0% |
| Low VA Rates, LLC | $700,000 | $435,000 | -37.9% | 0.0% |
| NP, Inc. | $520,000 | $435,000 | -16.3% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $430,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $985,000 | $420,000 | -57.4% | 0.0% |
| The First National Bank of Middle Tennessee | $415,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $1,050,000 | $405,000 | -61.4% | 0.0% |
| FreeStar Financial Credit Union | $390,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $560,000 | $390,000 | -30.4% | 0.0% |
| DRAPER AND KRAMER MORTGAGE CORP. | $290,000 | $380,000 | 31.0% | 0.0% |
| ALLIANCE CATHOLIC CREDIT UNION | $85,000 | $375,000 | 341.2% | 0.0% |
| Stifel Bank and Trust | $910,000 | $375,000 | -58.8% | 0.0% |
| ANGEL OAK HOME LOANS LLC | $450,000 | $370,000 | -17.8% | 0.0% |
| Texana Bank | $370,000 | n/a | 0.0% | |
| Mercantile Bank of Michigan | $2,565,000 | $360,000 | -86.0% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $355,000 | n/a | 0.0% | |
| GUIDANCE RESIDENTIAL, LLC | $715,000 | $345,000 | -51.7% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $205,000 | $345,000 | 68.3% | 0.0% |
| GREENSTATE CREDIT UNION | $335,000 | n/a | 0.0% | |
| Morgan Stanley Private Bank | $515,000 | $335,000 | -35.0% | 0.0% |
| Citibank | $1,030,000 | $330,000 | -68.0% | 0.0% |
| KeyBank | $1,225,000 | $320,000 | -73.9% | 0.0% |
| HOMESTEAD FUNDING CORP. | $650,000 | $315,000 | -51.5% | 0.0% |
| MORTGAGE ACCESS CORP. | $315,000 | n/a | 0.0% | |
| NexBank | $315,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $315,000 | n/a | 0.0% | |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $235,000 | $305,000 | 29.8% | 0.0% |
| Peoples Bank | $295,000 | n/a | 0.0% | |
| ADVANTAGE ONE Credit Union | $905,000 | $290,000 | -68.0% | 0.0% |
| Consumers Professional Credit Union | $290,000 | n/a | 0.0% | |
| St James Mortgage Corporation | $1,430,000 | $290,000 | -79.7% | 0.0% |
| T2 FINANCIAL LLC | $255,000 | $290,000 | 13.7% | 0.0% |
| COMMUNITY MORTGAGE FUNDING, LLC | $285,000 | n/a | 0.0% | |
| Lake Trust Credit Union | $235,000 | $285,000 | 21.3% | 0.0% |
| Wanigas Credit Union | $950,000 | $285,000 | -70.0% | 0.0% |
| Plains Commerce Bank | $450,000 | $280,000 | -37.8% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $290,000 | $280,000 | -3.4% | 0.0% |
| ZILLOW HOME LOANS, LLC | $1,560,000 | $280,000 | -82.1% | 0.0% |
| AMCAP MORTGAGE, LTD. | $275,000 | n/a | 0.0% | |
| The Central Trust Bank | $275,000 | n/a | 0.0% | |
| LAFCU | $210,000 | $270,000 | 28.6% | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $230,000 | $270,000 | 17.4% | 0.0% |
| HomePromise Corporation | $265,000 | n/a | 0.0% | |
| Willamette Valley Bank | $265,000 | n/a | 0.0% | |
| GUARANTY HOME MORTGAGE CORPORATION | $185,000 | $260,000 | 40.5% | 0.0% |
| FAY SERVICING, LLC | $255,000 | n/a | 0.0% | |
| First Internet Bank of Indiana | $225,000 | $255,000 | 13.3% | 0.0% |
| Home State Bank | $255,000 | n/a | 0.0% | |
| Lincoln FSB of Nebraska | $255,000 | n/a | 0.0% | |
| Academy Bank | $245,000 | n/a | 0.0% | |
| Florida Capital Bank | $185,000 | $245,000 | 32.4% | 0.0% |
| TLC COMMUNITY Credit Union | $245,000 | n/a | 0.0% | |
| GSF Mortgage Corporation | $315,000 | $235,000 | -25.4% | 0.0% |
| HONDA Federal Credit Union | $235,000 | n/a | 0.0% | |
| Neighborhood Loans, Inc. | $1,440,000 | $235,000 | -83.7% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $280,000 | $235,000 | -16.1% | 0.0% |
| CIVIC FINANCIAL SERVICES, LLC | $85,000 | $230,000 | 170.6% | 0.0% |
| DATA MORTGAGE, INC. | $230,000 | n/a | 0.0% | |
| HEALTH ADVANTAGE FEDERAL CREDIT UNION | $235,000 | $230,000 | -2.1% | 0.0% |
| NEXERA HOLDING LLC | $225,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $225,000 | n/a | 0.0% | |
| PURDUE FEDERAL CREDIT UNION | $215,000 | n/a | 0.0% | |
| University Bank | $215,000 | n/a | 0.0% | |
| Centier Bank | $210,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $430,000 | $205,000 | -52.3% | 0.0% |
| Chicago Mortgage Solutions LLC | $2,045,000 | $200,000 | -90.2% | 0.0% |
| FirstBank | $915,000 | $195,000 | -78.7% | 0.0% |
| Midland States Bank | $195,000 | n/a | 0.0% | |
| STAR USA FEDERAL CREDIT UNION | $65,000 | $190,000 | 192.3% | 0.0% |
| HOMESITE MORTGAGE, LLC | $890,000 | $185,000 | -79.2% | 0.0% |
| North American Savings Bank, F.S.B. | $1,810,000 | $185,000 | -89.8% | 0.0% |
| First National Bank of America | $75,000 | $180,000 | 140.0% | 0.0% |
| JOLT CREDIT UNION | $1,000,000 | $180,000 | -82.0% | 0.0% |
| Lakeview Community Capital, LLC | $2,470,000 | $180,000 | -92.7% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $635,000 | $180,000 | -71.7% | 0.0% |
| SOFI LENDING CORP. | $910,000 | $175,000 | -80.8% | 0.0% |
| SUNRISE FAMILY CREDIT UNION | $145,000 | $175,000 | 20.7% | 0.0% |
| DIGITAL Federal Credit Union | $170,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $165,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $960,000 | $165,000 | -82.8% | 0.0% |
| Town & Country Banc Mortgage Services, Inc. | $165,000 | n/a | 0.0% | |
| First Independence Bank | $260,000 | $155,000 | -40.4% | 0.0% |
| INLAND BANK & TRUST | $155,000 | n/a | 0.0% | |
| MEMBERS FIRST Credit Union | $150,000 | $155,000 | 3.3% | 0.0% |
| SOUTHWEST FUNDING, LP | $895,000 | $155,000 | -82.7% | 0.0% |
| POLARIS HOME FUNDING CORP. | $675,000 | $145,000 | -78.5% | 0.0% |
| GUILD MORTGAGE COMPANY | $610,000 | $135,000 | -77.9% | 0.0% |
| OAK MORTGAGE, LLC | $135,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $445,000 | $125,000 | -71.9% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $195,000 | $125,000 | -35.9% | 0.0% |
| AmRes Corporation | $105,000 | n/a | 0.0% | |
| Auto Club Trust, FSB | $410,000 | $105,000 | -74.4% | 0.0% |
| NBKC BANK | $910,000 | $105,000 | -88.5% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $790,000 | $105,000 | -86.7% | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $95,000 | n/a | 0.0% | |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $950,000 | $95,000 | -90.0% | 0.0% |
| NUMARK CREDIT UNION | $55,000 | $90,000 | 63.6% | 0.0% |
| COMPASS MORTGAGE, INC. | $215,000 | $85,000 | -60.5% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $85,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $75,000 | n/a | 0.0% | |
| First Federal Bank of the Midwest | $455,000 | $75,000 | -83.5% | 0.0% |
| MICHIGAN ONE COMMUNITY Credit Union | $75,000 | n/a | 0.0% | |
| CHERRY CREEK MORTGAGE, LLC | $480,000 | $65,000 | -86.5% | 0.0% |
| Circle Federal Credit Union | $65,000 | n/a | 0.0% | |
| Secured Investment Corp. | $65,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $55,000 | n/a | 0.0% | |
| NASA Federal Credit Union | $55,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| RADIUS FINANCIAL GROUP INC. | $55,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $55,000 | n/a | 0.0% | |
| UNIVERSITY CREDIT UNION | $55,000 | n/a | 0.0% | |
| WRIGHT-PATT CREDIT UNION, INC. | $55,000 | $55,000 | 0.0% | 0.0% |
| Bethpage Federal Credit Union | $45,000 | n/a | 0.0% | |
| Lake Huron Credit Union | $45,000 | n/a | 0.0% | |
| United Bay Community Credit Union | $55,000 | $45,000 | -18.2% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $45,000 | $35,000 | -22.2% | 0.0% |
| ALLIANT CREDIT UNION | $25,000 | n/a | 0.0% | |
| Michigan Legacy Credit Union | $25,000 | n/a | 0.0% | |
| CONSUMERS | $610,000 | $15,000 | -97.5% | 0.0% |
FLINT's top lender by overall market share is QUICKEN LOANS, LLC, with 9.4% market share. In second place, with 5.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $93,960,000 in loans. In third place, with 5.5%, is J. VIRGIL, INC., having originated $89,585,000 in loans. In fourth place, with 4.1%, is The State Bank, having originated $67,595,000 in loans. In fifth place, with 3.7%, is Preston Home Loans Inc, having originated $60,370,000 in loans.
FLINT, MI Average Rent (2023)
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| Zip Code | Metro | Studio Apartment Rent | 1BR Apartment Rent | 2BR Apartment Rent | 3BR Apartment Rent | 4BR Apartment Rent |
|---|---|---|---|---|---|---|
| 48411 | Flint, MI | $680 | $800 | $1,020 | $1,280 | $1,380 |
| 48415 | Flint, MI | $570 | $650 | $860 | $1,070 | $1,170 |
| 48417 | Flint, MI | $680 | $780 | $1,020 | $1,270 | $1,380 |
| 48418 | Flint, MI | $690 | $800 | $980 | $1,310 | $1,460 |
| 48420 | Flint, MI | $500 | $600 | $760 | $950 | $1,030 |
| 48421 | Flint, MI | $740 | $850 | $1,090 | $1,380 | $1,480 |
| 48423 | Flint, MI | $630 | $740 | $950 | $1,210 | $1,320 |
| 48429 | Flint, MI | $570 | $580 | $760 | $1,010 | $1,080 |
| 48430 | Flint, MI | $750 | $900 | $1,120 | $1,450 | $1,580 |
| 48433 | Flint, MI | $560 | $670 | $850 | $1,070 | $1,150 |
| 48436 | Flint, MI | $650 | $760 | $970 | $1,220 | $1,320 |
| 48437 | Flint, MI | $520 | $620 | $790 | $1,000 | $1,070 |
| 48438 | Flint, MI | $830 | $980 | $1,250 | $1,580 | $1,700 |
| 48439 | Flint, MI | $630 | $740 | $950 | $1,210 | $1,320 |
| 48442 | Flint, MI | $750 | $870 | $1,120 | $1,410 | $1,520 |
| 48449 | Flint, MI | $590 | $620 | $810 | $1,070 | $1,150 |
| 48451 | Flint, MI | $690 | $800 | $980 | $1,310 | $1,460 |
| 48457 | Flint, MI | $550 | $640 | $820 | $1,030 | $1,110 |
| 48458 | Flint, MI | $520 | $620 | $790 | $1,000 | $1,070 |
| 48460 | Flint, MI | $550 | $580 | $760 | $990 | $1,070 |
| 48462 | Flint, MI | $790 | $910 | $1,170 | $1,480 | $1,590 |
| 48463 | Flint, MI | $630 | $740 | $950 | $1,210 | $1,320 |
| 48464 | Flint, MI | $680 | $790 | $1,000 | $1,270 | $1,370 |
| 48473 | Flint, MI | $640 | $760 | $970 | $1,220 | $1,320 |
| 48480 | Flint, MI | $540 | $640 | $820 | $1,030 | $1,110 |
| 48501 | Flint, MI | $540 | $640 | $820 | $1,030 | $1,110 |
| 48502 | Flint, MI | $520 | $610 | $780 | $980 | $1,060 |
| 48503 | Flint, MI | $520 | $620 | $790 | $1,000 | $1,070 |
| 48504 | Flint, MI | $560 | $660 | $840 | $1,060 | $1,140 |
| 48505 | Flint, MI | $500 | $600 | $760 | $960 | $1,030 |
| 48506 | Flint, MI | $520 | $620 | $790 | $1,000 | $1,070 |
| 48507 | Flint, MI | $520 | $620 | $790 | $1,000 | $1,070 |
| 48509 | Flint, MI | $660 | $780 | $990 | $1,250 | $1,340 |
| 48519 | Flint, MI | $630 | $750 | $950 | $1,200 | $1,290 |
| 48529 | Flint, MI | $510 | $610 | $770 | $970 | $1,040 |
| 48531 | Flint, MI | $540 | $640 | $820 | $1,030 | $1,110 |
| 48532 | Flint, MI | $530 | $630 | $800 | $1,010 | $1,080 |
| 48550 | Flint, MI | $540 | $640 | $820 | $1,030 | $1,110 |
| 48551 | Flint, MI | $540 | $640 | $820 | $1,030 | $1,110 |
| 48553 | Flint, MI | $540 | $640 | $820 | $1,030 | $1,110 |
| 48554 | Flint, MI | $540 | $640 | $820 | $1,030 | $1,110 |
| 48746 | Flint, MI | $540 | $640 | $810 | $1,020 | $1,100 |
2022 Average & Median Rent Data Statistics
FLINT, MI average 1BR rent: $700, median: $640
FLINT, MI average 2BR rent: $894, median: $820
FLINT, MI average 3BR rent: $1,135, median: $1,045
FLINT, MI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 4,940 | $961,900,000 | $194,717 |
| Cash Out Refi | 1,908 | $299,230,000 | $156,829 |
| Refi | 1,037 | $231,515,000 | $223,255 |
| Other | 990 | $67,430,000 | $68,111 |
| Home Improvement | 980 | $72,350,000 | $73,827 |
| NA | 1 | $105,000 | $105,000 |
Flint's most frequently cited loan purpose was Home Purchase, with 4,940 originations. The 2nd most popular reason was Cash Out Refi, with 1,908 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 2,486 | $413,760,000 | $166,436 |
| 4-5% | 2,237 | $420,925,000 | $188,165 |
| 3-4% | 2,048 | $342,120,000 | $167,051 |
| 6-7% | 1,379 | $202,315,000 | $146,711 |
| 7-8% | 545 | $61,345,000 | $112,560 |
| 2.5-3% | 459 | $74,855,000 | $163,083 |
| Over 8% | 433 | $23,985,000 | $55,393 |
| <2.5% | 168 | $37,560,000 | $223,571 |
During 2022, Flint's most frequently originated rate bucket was 5-6%, with 2,486 originations.
Loan Sizing (FLINT, MI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 3,760 | $554,890,000 | $147,577 |
| $100,000 or less | 3,637 | $203,315,000 | $55,902 |
| $200k-400k | 2,160 | $570,390,000 | $264,069 |
| $400k-600k | 205 | $96,425,000 | $470,366 |
| $600k-1000k | 55 | $39,665,000 | $721,182 |
| $Over $1MM | 39 | $167,845,000 | $4,303,718 |
FLINT's loan sizing saw the bucket of loans from $100k-200k with 3,760 originations, totaling $554,890,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 4,024 | $785,860,000 | $195,293 |
| 60-80% | 2,310 | $461,810,000 | $199,918 |
| Under 20% | 1,075 | $45,245,000 | $42,088 |
| 20-40% | 1,022 | $81,890,000 | $80,127 |
| 40-60% | 1,020 | $159,210,000 | $156,088 |
| Over 100% | 65 | $25,805,000 | $397,000 |
FLINT's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 4,024 originations, totaling $785,860,000 in origination value.