SAGINAW Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Saginaw averaged
7.42%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.18% and
one month ago for the week of 2026-10-01, the
average rate was 7.62%.
Saginaw's average rate one year ago was 6.31%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.34%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Saginaw 30 Year Fixed Rate | 2026-11-05 | 7.42% |
| Saginaw 30 Year Fixed Rate Refi | 2026-11-05 | 7.34% |
| Saginaw 15 Year Fixed Rate | 2026-11-05 | 6.47% |
| Saginaw 15 Year Fixed Rate Refi | 2026-11-05 | 6.67% |
| Saginaw 30 Year FHA | 2026-11-05 | 7.32% |
| Saginaw 30 Year FHA Refi | 2026-11-05 | 6.73% |
| Saginaw 30 Year USDA | 2026-11-05 | 6.9% |
| Saginaw 30 Year USDA Refi | 2026-11-05 | 7.1% |
| Saginaw 30 Year VA | 2026-11-05 | 6.91% |
| Saginaw 30 Year VA Refi | 2026-11-05 | 6.16% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within SAGINAW, MI.
SAGINAW 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 SAGINAW, 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.).
SAGINAW Average Closing Costs & Other Stats
SAGINAW, MI's 113 lenders originated 3,495
loans during 2025. The total origination value was $588,255,000, with an average loan value of
$168,313.
SAGINAW's average closing costs are $3,966.
The top SAGINAW lender as defined by loan originations is Frankenmuth Credit Union, with
129 loans originated. Their average total fees are
$4,133, which is $1,188
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee SAGINAW lenders (with over 10 loans originated) are
MEMBERS FIRST Credit Union ($2,377), FINANCIAL PLUS CREDIT UNION ($2,992), JPMorgan Chase Bank ($3,160), HEALTH ADVANTAGE FEDERAL CREDIT UNION ($3,250) and Isabella Bank ($3,356).
The lowest rate SAGINAW lenders (with over 10 loans originated) are
Isabella Bank (5.77%), Mercantile Bank of Michigan (6.28%), LAKE MICHIGAN CREDIT UNION (6.42%), Independent Bank (6.46%) and FIRST COMMUNITY MORTGAGE, INC. (6.48%).
SAGINAW, 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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| Frankenmuth Credit Union | $47,920,000 | $55,700,000 | 16.2% | 9.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $29,705,000 | $44,980,000 | 51.4% | 7.6% |
| QUICKEN LOANS, LLC | $39,400,000 | $44,085,000 | 11.9% | 7.5% |
| The Huntington National Bank | $29,955,000 | $29,760,000 | -0.7% | 5.1% |
| LAKE MICHIGAN CREDIT UNION | $22,460,000 | $19,580,000 | -12.8% | 3.3% |
| Isabella Bank | $12,150,000 | $19,270,000 | 58.6% | 3.3% |
| STAUNTON FINANCIAL, INC. | $13,820,000 | $17,005,000 | 23.0% | 2.9% |
| Fifth Third Bank | $2,855,000 | $16,250,000 | 469.2% | 2.8% |
| Independent Bank | $13,245,000 | $16,130,000 | 21.8% | 2.7% |
| First Merchants Bank | $510,000 | $14,870,000 | 2,815.7% | 2.5% |
| Wildfire Credit Union | $10,975,000 | $14,230,000 | 29.7% | 2.4% |
| Mortgage Research Center, LLC | $16,720,000 | $13,985,000 | -16.4% | 2.4% |
| 1st State Financial, Ltd. | $8,915,000 | $10,535,000 | 18.2% | 1.8% |
| Preston Home Loans Inc | $10,475,000 | $10,185,000 | -2.8% | 1.7% |
| BLG HOLDINGS, INC. | $12,150,000 | $10,110,000 | -16.8% | 1.7% |
| UNITED FINANCIAL Credit Union | $4,590,000 | $8,855,000 | 92.9% | 1.5% |
| The Dart Bank | $1,255,000 | $8,720,000 | 594.8% | 1.5% |
| MORTGAGE 1 INCORPORATED | $7,000,000 | $7,625,000 | 8.9% | 1.3% |
| GUARANTEED RATE, INC. | $2,100,000 | $7,585,000 | 261.2% | 1.3% |
| DOW CHEMICAL EMPLOYEES' | $7,505,000 | $7,470,000 | -0.5% | 1.3% |
| JOLT CREDIT UNION | $6,335,000 | $7,140,000 | 12.7% | 1.2% |
| FINANCIAL PLUS CREDIT UNION | $7,175,000 | $6,970,000 | -2.9% | 1.2% |
| PNC Bank | $5,895,000 | $6,870,000 | 16.5% | 1.2% |
| J. VIRGIL, INC. | $7,245,000 | $6,065,000 | -16.3% | 1.0% |
| DAS Acquisition Company, LLC | $6,425,000 | $6,015,000 | -6.4% | 1.0% |
| Horizon Bank | $1,595,000 | $5,825,000 | 265.2% | 1.0% |
| HEALTH ADVANTAGE FEDERAL CREDIT UNION | $6,910,000 | $5,725,000 | -17.1% | 1.0% |
| JPMorgan Chase Bank | $3,230,000 | $5,480,000 | 69.7% | 0.9% |
| Lake Huron Credit Union | $3,205,000 | $5,220,000 | 62.9% | 0.9% |
| Bank of America | $4,005,000 | $4,985,000 | 24.5% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $2,445,000 | $4,705,000 | 92.4% | 0.8% |
| NEWREZ LLC | $2,445,000 | $4,200,000 | 71.8% | 0.7% |
| FREEDOM MORTGAGE CORPORATION | $4,770,000 | $4,090,000 | -14.3% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $4,170,000 | $3,955,000 | -5.2% | 0.7% |
| GreenStone Farm Credit Services, FLCA | $4,200,000 | $3,825,000 | -8.9% | 0.7% |
| Citizens Bank | $2,560,000 | $3,740,000 | 46.1% | 0.6% |
| FIRST COMMUNITY MORTGAGE, INC. | $9,150,000 | $3,580,000 | -60.9% | 0.6% |
| Mercantile Bank of Michigan | $6,190,000 | $3,485,000 | -43.7% | 0.6% |
| BROKER SOLUTIONS, INC. | $1,470,000 | $3,450,000 | 134.7% | 0.6% |
| CREDIT UNION ONE | $3,255,000 | $3,355,000 | 3.1% | 0.6% |
| Dort Financial Credit Union | $2,295,000 | $3,190,000 | 39.0% | 0.5% |
| TEAM ONE CREDIT UNION | $5,660,000 | $3,045,000 | -46.2% | 0.5% |
| USAA Federal Savings Bank | $995,000 | $2,545,000 | 155.8% | 0.4% |
| ChoiceOne Bank | $600,000 | $2,520,000 | 320.0% | 0.4% |
| LOANDEPOT.COM, LLC | $2,850,000 | $2,385,000 | -16.3% | 0.4% |
| First State Bank | $1,465,000 | $2,380,000 | 62.5% | 0.4% |
| MEMBERS FIRST Credit Union | $535,000 | $2,345,000 | 338.3% | 0.4% |
| Flagstar Bank, FSB | $1,780,000 | $2,205,000 | 23.9% | 0.4% |
| Prosperity Home Mortgage, LLC | $485,000 | $2,100,000 | 333.0% | 0.4% |
| Equity Prime Mortgage LLC | $555,000 | $2,050,000 | 269.4% | 0.3% |
| UNION HOME MORTGAGE CORP. | $4,300,000 | $2,030,000 | -52.8% | 0.3% |
| The Loan Store, Inc. | $970,000 | $2,000,000 | 106.2% | 0.3% |
| TOWNE MORTGAGE COMPANY | $1,380,000 | $1,985,000 | 43.8% | 0.3% |
| ELGA CREDIT UNION | $2,940,000 | $1,970,000 | -33.0% | 0.3% |
| PLANET HOME LENDING, LLC | $245,000 | $1,955,000 | 698.0% | 0.3% |
| Family First Credit Union | $1,885,000 | n/a | 0.3% | |
| Lake Trust Credit Union | $25,000 | $1,855,000 | 7,320.0% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,690,000 | $1,710,000 | 1.2% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,070,000 | $1,590,000 | -23.2% | 0.3% |
| ROSS MORTGAGE CORPORATION | $760,000 | $1,580,000 | 107.9% | 0.3% |
| ZILLOW HOME LOANS, LLC | $375,000 | $1,515,000 | 304.0% | 0.3% |
| 21ST MORTGAGE CORPORATION | $1,460,000 | $1,450,000 | -0.7% | 0.2% |
| Carrington Mortgage Services, LLC | $1,255,000 | $1,320,000 | 5.2% | 0.2% |
| GENEVA FINANCIAL, LLC | $745,000 | $1,280,000 | 71.8% | 0.2% |
| MICHIGAN FIRST CREDIT UNION | $470,000 | $1,270,000 | 170.2% | 0.2% |
| NEW DAY FINANCIAL, LLC | $870,000 | $1,235,000 | 42.0% | 0.2% |
| RF Renovo Management Company, LLC | $1,235,000 | n/a | 0.2% | |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $485,000 | $1,220,000 | 151.5% | 0.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $565,000 | $1,195,000 | 111.5% | 0.2% |
| United Bay Community Credit Union | $250,000 | $1,195,000 | 378.0% | 0.2% |
| SUNRISE FAMILY CREDIT UNION | $25,000 | $1,190,000 | 4,660.0% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $275,000 | $1,145,000 | 316.4% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $715,000 | $1,130,000 | 58.0% | 0.2% |
| Wells Fargo Bank | $620,000 | $1,130,000 | 82.3% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $435,000 | $1,125,000 | 158.6% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $445,000 | $1,105,000 | 148.3% | 0.2% |
| SOUTHWEST FUNDING, LP | $1,185,000 | $1,005,000 | -15.2% | 0.2% |
| AMERICAN HERITAGE LENDING, INC. | $155,000 | $990,000 | 538.7% | 0.2% |
| DFCU FINANCIAL | $95,000 | $985,000 | 936.8% | 0.2% |
| Magnolia Bank | $975,000 | n/a | 0.2% | |
| Great Lakes Federal Credit Union | $530,000 | $965,000 | 82.1% | 0.2% |
| STOCKTON MORTGAGE CORPORATION | $940,000 | n/a | 0.2% | |
| MOVEMENT MORTGAGE, LLC | $690,000 | $910,000 | 31.9% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,100,000 | $875,000 | -20.5% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,790,000 | $870,000 | -51.4% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $95,000 | $830,000 | 773.7% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,180,000 | $815,000 | -30.9% | 0.1% |
| Sunflower Bank | $815,000 | n/a | 0.1% | |
| MICHIGAN SCHOOLS AND GOVERNMENT | $800,000 | n/a | 0.1% | |
| Plains Commerce Bank | $435,000 | $780,000 | 79.3% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $235,000 | $775,000 | 229.8% | 0.1% |
| CONSUMERS | $650,000 | $770,000 | 18.5% | 0.1% |
| CLEARPATH LENDING | $775,000 | $755,000 | -2.6% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $1,180,000 | $755,000 | -36.0% | 0.1% |
| PREMIA MORTGAGE, LLC | $580,000 | $705,000 | 21.6% | 0.1% |
| Coastal Community Bank | $95,000 | $695,000 | 631.6% | 0.1% |
| MORTGAGE CENTER L.C | $985,000 | $665,000 | -32.5% | 0.1% |
| GENISYS | $1,135,000 | $645,000 | -43.2% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $1,590,000 | $635,000 | -60.1% | 0.1% |
| EVERETT FINANCIAL, INC. | $610,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $320,000 | $605,000 | 89.1% | 0.1% |
| Armed Forces Bank | $185,000 | $600,000 | 224.3% | 0.1% |
| PHH Mortgage Corporation | $415,000 | $600,000 | 44.6% | 0.1% |
| SPRING EQ, LLC | $205,000 | $560,000 | 173.2% | 0.1% |
| SECURITY CREDIT UNION | $725,000 | $555,000 | -23.4% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $895,000 | $550,000 | -38.5% | 0.1% |
| Old National Bank | $405,000 | $545,000 | 34.6% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $685,000 | $535,000 | -21.9% | 0.1% |
| Figure Lending LLC | $815,000 | $530,000 | -35.0% | 0.1% |
| OceanFirst Bank | $215,000 | $530,000 | 146.5% | 0.1% |
| GUILD MORTGAGE COMPANY | $1,335,000 | $525,000 | -60.7% | 0.1% |
| FinancialEdge Community Credit Union | $335,000 | $495,000 | 47.8% | 0.1% |
| UNIVERSITY OF MICHIGAN CREDIT UNION | $485,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $35,000 | $470,000 | 1,242.9% | 0.1% |
| NBKC BANK | $655,000 | $450,000 | -31.3% | 0.1% |
| MICHIGAN MUTUAL, INC. | $205,000 | $445,000 | 117.1% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $595,000 | $440,000 | -26.1% | 0.1% |
| Consumers Professional Credit Union | $505,000 | $435,000 | -13.9% | 0.1% |
| COMMUNITY FINANCIAL CREDIT UNION | $35,000 | $415,000 | 1,085.7% | 0.1% |
| CMG MORTGAGE, INC. | $930,000 | $410,000 | -55.9% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $355,000 | $395,000 | 11.3% | 0.1% |
| Discover Bank | $1,030,000 | $390,000 | -62.1% | 0.1% |
| AmeriHome Mortgage Company, LLC | $685,000 | $370,000 | -46.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $450,000 | $365,000 | -18.9% | 0.1% |
| OCMBC, INC. | $365,000 | n/a | 0.1% | |
| JMAC LENDING, INC. | $360,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $350,000 | n/a | 0.1% | |
| LOANPAL, LLC | $125,000 | $350,000 | 180.0% | 0.1% |
| Thumb Bank and Trust | $345,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $285,000 | $340,000 | 19.3% | 0.1% |
| MYCUMORTGAGE, LLC | $335,000 | n/a | 0.1% | |
| Princeton Mortgage Corporation | $335,000 | n/a | 0.1% | |
| Republic Bank & Trust Company | $335,000 | n/a | 0.1% | |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $320,000 | n/a | 0.1% | |
| MMS MORTGAGE SERVICES, LTD. | $335,000 | $315,000 | -6.0% | 0.1% |
| NexBank | $165,000 | $305,000 | 84.8% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $305,000 | $295,000 | -3.3% | 0.1% |
| BETTER MORTGAGE CORPORATION | $145,000 | $285,000 | 96.6% | 0.0% |
| County National Bank | $95,000 | $285,000 | 200.0% | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | $285,000 | n/a | 0.0% | |
| TruHome Solutions, LLC | $265,000 | n/a | 0.0% | |
| PFCU | $255,000 | n/a | 0.0% | |
| WRIGHT-PATT CREDIT UNION, INC. | $245,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $235,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $235,000 | n/a | 0.0% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $235,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $235,000 | n/a | 0.0% | |
| Honor Credit Union | $225,000 | n/a | 0.0% | |
| LAKEVIEW LOAN SERVICING, LLC | $515,000 | $225,000 | -56.3% | 0.0% |
| GVC MORTGAGE, INC. | $230,000 | $220,000 | -4.3% | 0.0% |
| DELMAR FINANCIAL COMPANY | $295,000 | $215,000 | -27.1% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $205,000 | n/a | 0.0% | |
| Morgan Stanley Private Bank | $205,000 | n/a | 0.0% | |
| Texana Bank | $235,000 | $205,000 | -12.8% | 0.0% |
| Northpointe Bank | $540,000 | $195,000 | -63.9% | 0.0% |
| MILEND, INC. | $185,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $185,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $400,000 | $185,000 | -53.8% | 0.0% |
| SOVITA Credit Union | $75,000 | $185,000 | 146.7% | 0.0% |
| Victorian Finance, LLC | $185,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $175,000 | n/a | 0.0% | |
| ADVIA | $45,000 | $155,000 | 244.4% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $65,000 | $155,000 | 138.5% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $175,000 | $145,000 | -17.1% | 0.0% |
| THE MORTGAGE LINK, INC. | $215,000 | $145,000 | -32.6% | 0.0% |
| BM Real Estate Services, Inc. | $125,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $125,000 | n/a | 0.0% | |
| PREFERRED CREDIT UNION | $125,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $500,000 | $115,000 | -77.0% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $105,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $105,000 | n/a | 0.0% | |
| LAFCU | $190,000 | $105,000 | -44.7% | 0.0% |
| LIMA ONE CAPITAL, LLC | $230,000 | $105,000 | -54.3% | 0.0% |
| Northstar Bank | $105,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $105,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $105,000 | n/a | 0.0% | |
| VAN DYK MORTGAGE CORPORATION | $815,000 | $105,000 | -87.1% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $100,000 | n/a | 0.0% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $100,000 | n/a | 0.0% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $95,000 | n/a | 0.0% | |
| MidFirst Bank | $95,000 | n/a | 0.0% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $825,000 | $90,000 | -89.1% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $75,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $135,000 | $70,000 | -48.1% | 0.0% |
| Arvest Bank | $55,000 | n/a | 0.0% | |
| BMO Harris Bank | $65,000 | $55,000 | -15.4% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $55,000 | n/a | 0.0% | |
| U.S. Bank | $535,000 | $55,000 | -89.7% | 0.0% |
| MEMBERFOCUS COMMUNITY | $50,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $45,000 | n/a | 0.0% | |
| COMMUNITY CHOICE CREDIT UNION | $45,000 | n/a | 0.0% | |
| Michigan Educational Credit Union | $15,000 | n/a | 0.0% |
SAGINAW's top lender by overall market share is Frankenmuth Credit Union, with 9.5% market share. In second place, with 7.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $44,980,000 in loans. In third place, with 7.5%, is QUICKEN LOANS, LLC, having originated $44,085,000 in loans. In fourth place, with 5.1%, is The Huntington National Bank, having originated $29,760,000 in loans. In fifth place, with 3.3%, is LAKE MICHIGAN CREDIT UNION, having originated $19,580,000 in loans.
SAGINAW Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - SAGINAW (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 | $89,450 (-6.4%) | $128,582 (-0.3%) | 0.33 | 563 |
| 2018-02-01 | $86,225 (-10.6%) | $129,103 (0.7%) | 0.31 | 543 |
| 2018-03-01 | $87,063 (-3.2%) | $130,981 (1.5%) | 0.31 | 517 |
| 2018-04-01 | $98,900 (8.4%) | $136,482 (3.8%) | 0.34 | 491 |
| 2018-05-01 | $107,400 (4.9%) | $148,504 (7.3%) | 0.36 | 478 |
| 2018-06-01 | $112,450 (6.4%) | $153,051 (9.9%) | 0.38 | 514 |
| 2018-07-01 | $117,075 (6.5%) | $154,973 (12.5%) | 0.39 | 539 |
| 2018-08-01 | $114,900 (4.5%) | $150,892 (8.8%) | 0.38 | 570 |
| 2018-09-01 | $119,900 (9.1%) | $156,322 (10.5%) | 0.40 | 601 |
| 2018-10-01 | $123,125 (22.6%) | $156,617 (13.8%) | 0.42 | 590 |
| 2018-11-01 | $122,250 (23.2%) | $153,680 (13.7%) | 0.41 | 567 |
| 2018-12-01 | $119,900 (27.6%) | $151,128 (14.9%) | 0.41 | 540 |
| 2019-01-01 | $116,125 (29.8%) | $147,294 (14.6%) | 0.40 | 480 |
| 2019-02-01 | $119,900 (39.1%) | $149,555 (15.8%) | 0.41 | 425 |
| 2019-03-01 | $122,900 (41.2%) | $157,765 (20.5%) | 0.40 | 382 |
| 2019-04-01 | $128,400 (29.8%) | $164,605 (20.6%) | 0.41 | 358 |
| 2019-05-01 | $132,113 (23.0%) | $173,453 (16.8%) | 0.41 | 394 |
| 2019-06-01 | $129,900 (15.5%) | $165,738 (8.3%) | 0.41 | 460 |
| 2019-07-01 | $129,250 (10.4%) | $172,181 (11.1%) | 0.40 | 477 |
| 2019-08-01 | $127,882 (11.3%) | $170,431 (13.0%) | 0.41 | 511 |
| 2019-09-01 | $126,205 (5.3%) | $165,642 (6.0%) | 0.40 | 526 |
| 2019-10-01 | $125,086 (1.6%) | $162,502 (3.8%) | 0.40 | 535 |
| 2019-11-01 | $119,950 (-1.9%) | $156,573 (1.9%) | 0.39 | 522 |
| 2019-12-01 | $119,900 (0.0%) | $154,498 (2.2%) | 0.40 | 459 |
| 2020-01-01 | $116,749 (0.5%) | $150,676 (2.3%) | 0.39 | 403 |
| 2020-02-01 | $107,700 (-10.2%) | $145,034 (-3.0%) | 0.35 | 368 |
| 2020-03-01 | $109,400 (-11.0%) | $152,429 (-3.4%) | 0.34 | 306 |
| 2020-04-01 | $119,900 (-6.6%) | $156,642 (-4.8%) | 0.38 | 290 |
| 2020-05-01 | $124,900 (-5.5%) | $166,473 (-4.0%) | 0.38 | 262 |
| 2020-06-01 | $130,425 (0.4%) | $182,082 (9.9%) | 0.38 | 212 |
| 2020-07-01 | $129,650 (0.3%) | $184,224 (7.0%) | 0.38 | 204 |
| 2020-08-01 | $139,900 (9.4%) | $195,366 (14.6%) | 0.40 | 215 |
| 2020-09-01 | $131,650 (4.3%) | $196,092 (18.4%) | 0.38 | 249 |
| 2020-10-01 | $130,900 (4.7%) | $205,458 (26.4%) | 0.38 | 262 |
| 2020-11-01 | $132,400 (10.4%) | $187,504 (19.8%) | 0.39 | 240 |
| 2020-12-01 | $124,400 (3.8%) | $178,749 (15.7%) | 0.37 | 211 |
| 2021-01-01 | $102,400 (-12.3%) | $171,314 (13.7%) | 0.31 | 162 |
| 2021-02-01 | $113,600 (5.5%) | $188,343 (29.9%) | 0.33 | 140 |
| 2021-03-01 | $105,250 (-3.8%) | $173,697 (14.0%) | 0.30 | 125 |
| 2021-04-01 | $112,300 (-6.3%) | $187,637 (19.8%) | 0.30 | 114 |
| 2021-05-01 | $137,450 (10.1%) | $214,484 (28.8%) | 0.37 | 135 |
| 2021-06-01 | $137,150 (5.2%) | $202,650 (11.3%) | 0.36 | 191 |
| 2021-07-01 | $139,900 (7.9%) | $196,172 (6.5%) | 0.37 | 231 |
| 2021-08-01 | $141,900 (1.4%) | $192,856 (-1.3%) | 0.38 | 282 |
| 2021-09-01 | $117,475 (-10.8%) | $174,006 (-11.3%) | 0.31 | 297 |
| 2021-10-01 | $119,900 (-8.4%) | $181,138 (-11.8%) | 0.32 | 303 |
| 2021-11-01 | $122,400 (-7.6%) | $179,884 (-4.1%) | 0.33 | 312 |
| 2021-12-01 | $114,800 (-7.7%) | $177,845 (-0.5%) | 0.31 | 281 |
| 2022-01-01 | $99,900 (-2.4%) | $170,594 (-0.4%) | 0.27 | 220 |
| 2022-02-01 | $105,325 (-7.3%) | $181,830 (-3.5%) | 0.27 | 194 |
| 2022-03-01 | $116,200 (10.4%) | $187,473 (7.9%) | 0.29 | 182 |
| 2022-04-01 | $146,400 (30.4%) | $210,864 (12.4%) | 0.35 | 166 |
| 2022-05-01 | $145,925 (6.2%) | $198,236 (-7.6%) | 0.33 | 178 |
| 2022-06-01 | $148,650 (8.4%) | $207,046 (2.2%) | 0.33 | 216 |
| 2022-07-01 | $166,500 (19.0%) | $227,832 (16.1%) | 0.38 | 256 |
| 2022-08-01 | $159,675 (12.5%) | $216,297 (12.2%) | 0.37 | 321 |
| 2022-09-01 | $155,000 (31.9%) | $206,203 (18.5%) | 0.36 | 318 |
| 2022-10-01 | $159,900 (33.4%) | $207,741 (14.7%) | 0.38 | 309 |
| 2022-11-01 | $139,900 (14.3%) | $198,285 (10.2%) | 0.34 | 313 |
| 2022-12-01 | $149,900 (30.6%) | $202,487 (13.9%) | 0.37 | 266 |
| 2023-01-01 | $147,400 (47.6%) | $201,289 (18.0%) | 0.37 | 235 |
| 2023-02-01 | $131,225 (24.6%) | $202,041 (11.1%) | 0.32 | 209 |
| 2023-03-01 | $127,400 (9.6%) | $207,008 (10.4%) | 0.30 | 190 |
| 2023-04-01 | $149,000 (1.8%) | $219,364 (4.0%) | 0.35 | 185 |
| 2023-05-01 | $143,250 (-1.8%) | $214,033 (8.0%) | 0.32 | 197 |
| 2023-06-01 | $139,900 (-5.9%) | $219,719 (6.1%) | 0.31 | 211 |
| 2023-07-01 | $129,900 (-22.0%) | $226,310 (-0.7%) | 0.30 | 267 |
| 2023-08-01 | $147,000 (-7.9%) | $216,738 (0.2%) | 0.34 | 316 |
| 2023-09-01 | $149,900 (-3.3%) | $214,330 (3.9%) | 0.35 | 340 |
| 2023-10-01 | $149,900 (-6.3%) | $218,701 (5.3%) | 0.35 | 334 |
| 2023-11-01 | $152,450 (9.0%) | $213,994 (7.9%) | 0.36 | 375 |
| 2023-12-01 | $159,900 (6.7%) | $211,058 (4.2%) | 0.39 | 347 |
| 2024-01-01 | $159,900 (8.5%) | $205,227 (2.0%) | 0.39 | 311 |
| 2024-02-01 | $154,950 (18.1%) | $202,724 (0.3%) | 0.37 | 286 |
| 2024-03-01 | $159,950 (25.6%) | $214,235 (3.5%) | 0.38 | 253 |
| 2024-04-01 | $174,925 (17.4%) | $230,392 (5.0%) | 0.41 | 223 |
| 2024-05-01 | $181,175 (26.5%) | $247,473 (15.6%) | 0.41 | 251 |
| 2024-06-01 | $215,000 (53.7%) | $261,345 (19.0%) | 0.49 | 287 |
| 2024-07-01 | $213,450 (64.3%) | $266,481 (17.8%) | 0.49 | 285 |
| 2024-08-01 | $214,950 (46.2%) | $267,443 (23.4%) | 0.50 | 311 |
| 2024-09-01 | $205,150 (36.9%) | $276,098 (28.8%) | 0.48 | 346 |
| 2024-10-01 | $194,450 (29.7%) | $254,675 (16.5%) | 0.46 | 358 |
| 2024-11-01 | $179,950 (18.0%) | $234,011 (9.4%) | 0.43 | 379 |
| 2024-12-01 | $175,000 (9.4%) | $230,349 (9.1%) | 0.43 | 351 |
| 2025-01-01 | $171,825 (7.5%) | $224,836 (9.6%) | 0.43 | 332 |
| 2025-02-01 | $169,900 (9.7%) | $223,020 (10.0%) | 0.41 | 319 |
| 2025-03-01 | $169,000 (5.7%) | $232,295 (8.4%) | 0.40 | 313 |
| 2025-04-01 | $169,900 (-2.9%) | $231,065 (0.3%) | 0.39 | 290 |
| 2025-05-01 | $169,950 (-6.2%) | $229,784 (-7.2%) | 0.39 | 298 |
| 2025-06-01 | $184,900 (-14.0%) | $238,895 (-8.6%) | 0.42 | 338 |
| 2025-07-01 | $191,225 (-10.4%) | $242,583 (-9.0%) | 0.44 | 362 |
| 2025-08-01 | $175,000 (-18.6%) | $238,127 (-11.0%) | 0.41 | 426 |
| 2025-09-01 | $177,400 (-13.5%) | $239,649 (-13.2%) | 0.42 | 459 |
| 2025-10-01 | $169,950 (-12.6%) | $238,955 (-6.2%) | 0.40 | 483 |
| 2025-11-01 | $169,900 (-5.6%) | $235,593 (0.7%) | 0.41 | 485 |
| 2025-12-01 | $167,450 (-4.3%) | $231,037 (0.3%) | 0.42 | 446 |
| 2026-01-01 | $159,450 (-7.2%) | $219,506 (-2.4%) | 0.40 | 402 |
| 2026-02-01 | $144,225 (-15.1%) | $219,831 (-1.4%) | 0.36 | 392 |
| 2026-03-01 | $143,725 (-15.0%) | $221,798 (-4.5%) | 0.35 | 389 |
| 2026-04-01 | $142,475 (-16.1%) | $226,957 (-1.8%) | 0.34 | 365 |
| 2026-05-01 | $142,500 (-16.2%) | $225,138 (-2.0%) | 0.33 | 405 |
| 2026-06-01 | $145,000 (-21.6%) | $220,014 (-7.9%) | 0.34 | 443 |
| 2026-07-01 | $147,450 (-22.9%) | $216,863 (-10.6%) | 0.34 | 473 |
| 2026-08-01 | $159,950 (-8.6%) | $222,675 (-6.5%) | 0.38 | 504 |
| 2026-09-01 | $165,000 (-7.0%) | $220,239 (-8.1%) | 0.00 | 520 |
| 2026-10-01 | $179,900 (5.9%) | $230,954 (-3.4%) | 0.00 | 505 |
SAGINAW's median listing price for 2026-10-01 was $179,900, a difference of
$9,950
(5.9%) versus the prior year and
$14,900 versus the prior month.
SAGINAW's median listing price comes in at 0% of the national average.
SAGINAW's average listing price for 2026-10-01 was $230,954, a difference of $-8,001 (-3.4%) versus the prior year and $10,715 versus the prior month.
For the 2026-10-01 period, SAGINAW had 505 MLS listings, a difference of -15 listings (-3%) versus the prior month and 22 listings (5%) versus the prior year.
SAGINAW's median listing price comes in at 0% of the national average.
SAGINAW's average listing price for 2026-10-01 was $230,954, a difference of $-8,001 (-3.4%) versus the prior year and $10,715 versus the prior month.
For the 2026-10-01 period, SAGINAW had 505 MLS listings, a difference of -15 listings (-3%) versus the prior month and 22 listings (5%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - SAGINAW (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 81 days | 1,452 sqft |
| 2018-02-01 | 81 days | 1,429 sqft |
| 2018-03-01 | 68 days | 1,448 sqft |
| 2018-04-01 | 64 days | 1,460 sqft |
| 2018-05-01 | 49 days | 1,480 sqft |
| 2018-06-01 | 45 days | 1,508 sqft |
| 2018-07-01 | 48 days | 1,539 sqft |
| 2018-08-01 | 45 days | 1,511 sqft |
| 2018-09-01 | 51 days | 1,472 sqft |
| 2018-10-01 | 51 days | 1,536 sqft |
| 2018-11-01 | 59 days | 1,532 sqft |
| 2018-12-01 | 73 days | 1,520 sqft |
| 2019-01-01 | 80 days | 1,479 sqft |
| 2019-02-01 | 83 days | 1,519 sqft |
| 2019-03-01 | 72 days | 1,521 sqft |
| 2019-04-01 | 59 days | 1,535 sqft |
| 2019-05-01 | 40 days | 1,530 sqft |
| 2019-06-01 | 37 days | 1,520 sqft |
| 2019-07-01 | 44 days | 1,575 sqft |
| 2019-08-01 | 48 days | 1,563 sqft |
| 2019-09-01 | 50 days | 1,545 sqft |
| 2019-10-01 | 53 days | 1,533 sqft |
| 2019-11-01 | 58 days | 1,520 sqft |
| 2019-12-01 | 71 days | 1,531 sqft |
| 2020-01-01 | 78 days | 1,508 sqft |
| 2020-02-01 | 74 days | 1,453 sqft |
| 2020-03-01 | 61 days | 1,472 sqft |
| 2020-04-01 | 73 days | 1,480 sqft |
| 2020-05-01 | 74 days | 1,456 sqft |
| 2020-06-01 | 39 days | 1,539 sqft |
| 2020-07-01 | 32 days | 1,547 sqft |
| 2020-08-01 | 29 days | 1,578 sqft |
| 2020-09-01 | 26 days | 1,561 sqft |
| 2020-10-01 | 31 days | 1,568 sqft |
| 2020-11-01 | 37 days | 1,521 sqft |
| 2020-12-01 | 45 days | 1,489 sqft |
| 2021-01-01 | 47 days | 1,422 sqft |
| 2021-02-01 | 44 days | 1,434 sqft |
| 2021-03-01 | 37 days | 1,390 sqft |
| 2021-04-01 | 25 days | 1,396 sqft |
| 2021-05-01 | 17 days | 1,486 sqft |
| 2021-06-01 | 22 days | 1,460 sqft |
| 2021-07-01 | 24 days | 1,418 sqft |
| 2021-08-01 | 28 days | 1,469 sqft |
| 2021-09-01 | 35 days | 1,399 sqft |
| 2021-10-01 | 39 days | 1,404 sqft |
| 2021-11-01 | 46 days | 1,385 sqft |
| 2021-12-01 | 54 days | 1,367 sqft |
| 2022-01-01 | 66 days | 1,317 sqft |
| 2022-02-01 | 69 days | 1,353 sqft |
| 2022-03-01 | 40 days | 1,364 sqft |
| 2022-04-01 | 30 days | 1,454 sqft |
| 2022-05-01 | 24 days | 1,419 sqft |
| 2022-06-01 | 26 days | 1,450 sqft |
| 2022-07-01 | 30 days | 1,522 sqft |
| 2022-08-01 | 31 days | 1,498 sqft |
| 2022-09-01 | 42 days | 1,456 sqft |
| 2022-10-01 | 46 days | 1,493 sqft |
| 2022-11-01 | 45 days | 1,473 sqft |
| 2022-12-01 | 53 days | 1,472 sqft |
| 2023-01-01 | 54 days | 1,494 sqft |
| 2023-02-01 | 61 days | 1,483 sqft |
| 2023-03-01 | 58 days | 1,462 sqft |
| 2023-04-01 | 54 days | 1,552 sqft |
| 2023-05-01 | 35 days | 1,549 sqft |
| 2023-06-01 | 32 days | 1,542 sqft |
| 2023-07-01 | 29 days | 1,430 sqft |
| 2023-08-01 | 31 days | 1,427 sqft |
| 2023-09-01 | 40 days | 1,430 sqft |
| 2023-10-01 | 46 days | 1,430 sqft |
| 2023-11-01 | 45 days | 1,451 sqft |
| 2023-12-01 | 57 days | 1,443 sqft |
| 2024-01-01 | 69 days | 1,443 sqft |
| 2024-02-01 | 71 days | 1,456 sqft |
| 2024-03-01 | 52 days | 1,486 sqft |
| 2024-04-01 | 47 days | 1,473 sqft |
| 2024-05-01 | 33 days | 1,490 sqft |
| 2024-06-01 | 33 days | 1,625 sqft |
| 2024-07-01 | 43 days | 1,640 sqft |
| 2024-08-01 | 34 days | 1,610 sqft |
| 2024-09-01 | 35 days | 1,511 sqft |
| 2024-10-01 | 43 days | 1,587 sqft |
| 2024-11-01 | 44 days | 1,616 sqft |
| 2024-12-01 | 55 days | 1,543 sqft |
| 2025-01-01 | 63 days | 1,545 sqft |
| 2025-02-01 | 55 days | 1,556 sqft |
| 2025-03-01 | 47 days | 1,533 sqft |
| 2025-04-01 | 46 days | 1,609 sqft |
| 2025-05-01 | 44 days | 1,590 sqft |
| 2025-06-01 | 42 days | 1,615 sqft |
| 2025-07-01 | 42 days | 1,625 sqft |
| 2025-08-01 | 37 days | 1,580 sqft |
| 2025-09-01 | 46 days | 1,603 sqft |
| 2025-10-01 | 52 days | 1,580 sqft |
| 2025-11-01 | 59 days | 1,547 sqft |
| 2025-12-01 | 72 days | 1,509 sqft |
| 2026-01-01 | 84 days | 1,411 sqft |
| 2026-02-01 | 82 days | 1,394 sqft |
| 2026-03-01 | 62 days | 1,390 sqft |
| 2026-04-01 | 58 days | 1,426 sqft |
| 2026-05-01 | 57 days | 1,438 sqft |
| 2026-06-01 | 45 days | 1,456 sqft |
| 2026-07-01 | 48 days | 1,442 sqft |
| 2026-08-01 | 44 days | 1,524 sqft |
| 2026-09-01 | 0 days | 1,480 sqft |
| 2026-10-01 | 0 days | 1,569 sqft |
SAGINAW's median listing age (time on market) for 2026-10-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
SAGINAW's median square footage for active listings during the 2026-10-01 period was 1,569 sqft. One year prior, the average listing was 1,580 sqft.
SAGINAW's median square footage for active listings during the 2026-10-01 period was 1,569 sqft. One year prior, the average listing was 1,580 sqft.
SAGINAW, MI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,814 | $365,100,000 | $201,268 |
| Cash Out Refi | 550 | $72,310,000 | $131,473 |
| Refi | 402 | $89,650,000 | $223,010 |
| Other | 389 | $35,175,000 | $90,424 |
| Home Improvement | 340 | $26,020,000 | $76,529 |
Saginaw's most frequently cited loan purpose was Home Purchase, with 1,814 originations. The 2nd most popular reason was Cash Out Refi, with 550 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,543 | $307,855,000 | $199,517 |
| 7-8% | 743 | $98,825,000 | $133,008 |
| Over 8% | 492 | $35,690,000 | $72,541 |
| 5-6% | 478 | $111,590,000 | $233,452 |
| 4-5% | 43 | $5,915,000 | $137,558 |
| <2.5% | 8 | $140,000 | $17,500 |
| 3-4% | 3 | $125,000 | $41,667 |
| 2.5-3% | 1 | $15,000 | $15,000 |
During 2025, Saginaw's most frequently originated rate bucket was 6-7%, with 1,543 originations.
Loan Sizing (SAGINAW, MI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 1,302 | $74,670,000 | $57,350 |
| $100k-200k | 1,234 | $180,580,000 | $146,337 |
| $200k-400k | 794 | $211,460,000 | $266,322 |
| $400k-600k | 123 | $58,635,000 | $476,707 |
| $600k-1000k | 26 | $19,250,000 | $740,385 |
| $Over $1MM | 16 | $43,660,000 | $2,728,750 |
SAGINAW's loan sizing saw the bucket of loans from $100,000 or less with 1,302 originations, totaling $74,670,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,417 | $286,005,000 | $201,838 |
| 60-80% | 693 | $139,795,000 | $201,724 |
| 20-40% | 431 | $32,625,000 | $75,696 |
| 40-60% | 314 | $54,170,000 | $172,516 |
| Under 20% | 262 | $9,990,000 | $38,130 |
| Over 100% | 35 | $6,925,000 | $197,857 |
SAGINAW's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,417 originations, totaling $286,005,000 in origination value.