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
6.77%
for the week of 2024-12-12, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2024-12-05) was
6.66% and
one month ago for the week of 2024-11-07, the
average rate was 6.66%.
Saginaw's average rate one year ago was 7.2%.
For refis of the same type during the week of 2024-12-12, the average rate
was 7.73%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-12-12 | 6.6% |
| Saginaw 30 Year Fixed Rate | 2024-12-12 | 6.77% |
| Saginaw 30 Year Fixed Rate Refi | 2024-12-12 | 7.73% |
| Saginaw 15 Year Fixed Rate | 2024-12-12 | 5.74% |
| Saginaw 15 Year Fixed Rate Refi | 2024-12-12 | 6.44% |
| Saginaw 30 Year FHA | 2024-12-12 | 6.54% |
| Saginaw 30 Year FHA Refi | 2024-12-12 | 6.08% |
| Saginaw 30 Year USDA | 2024-12-12 | 6.1% |
| Saginaw 30 Year USDA Refi | 2024-12-12 | 6.3% |
| Saginaw 30 Year VA | 2024-12-12 | 6.44% |
| Saginaw 30 Year VA Refi | 2024-12-12 | 6.18% |
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 122 lenders originated 2,904
loans during 2023. The total origination value was $502,100,000, with an average loan value of
$172,899.
SAGINAW's average closing costs are $3,650.
The top SAGINAW lender as defined by loan originations is Frankenmuth Credit Union, with
130 loans originated. Their average total fees are
$2,943, which is $3,029
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee SAGINAW lenders (with over 10 loans originated) are
TEAM ONE CREDIT UNION ($1,027), 1st State Financial, Ltd. ($2,366), Wildfire Credit Union ($2,425), Isabella Bank ($2,541) and FINANCIAL PLUS CREDIT UNION ($2,543).
The lowest rate SAGINAW lenders (with over 10 loans originated) are
1st State Financial, Ltd. (6.34%), Wildfire Credit Union (6.43%), TEAM ONE CREDIT UNION (6.51%), Isabella Bank (6.55%) and PENNYMAC LOAN SERVICES, LLC (6.57%).
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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| Wells Fargo Bank | $4,070,000 | $59,160,000 | 1,353.6% | 11.8% |
| Frankenmuth Credit Union | $72,150,000 | $41,740,000 | -42.1% | 8.3% |
| QUICKEN LOANS, LLC | $40,550,000 | $30,855,000 | -23.9% | 6.1% |
| The Huntington National Bank | $30,000,000 | $24,235,000 | -19.2% | 4.8% |
| Mercantile Bank of Michigan | $5,085,000 | $21,780,000 | 328.3% | 4.3% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $19,255,000 | n/a | 3.8% | |
| UNITED WHOLESALE MORTGAGE, LLC | $19,515,000 | $18,820,000 | -3.6% | 3.7% |
| LAKE MICHIGAN CREDIT UNION | $20,855,000 | $18,235,000 | -12.6% | 3.6% |
| Independent Bank | $13,055,000 | $15,150,000 | 16.0% | 3.0% |
| 1st State Financial, Ltd. | $17,200,000 | $11,380,000 | -33.8% | 2.3% |
| Mortgage Research Center, LLC | $9,440,000 | $10,750,000 | 13.9% | 2.1% |
| ACADEMY MORTGAGE CORPORATION | $14,875,000 | $9,350,000 | -37.1% | 1.9% |
| Wildfire Credit Union | $17,900,000 | $8,825,000 | -50.7% | 1.8% |
| Isabella Bank | $22,960,000 | $8,620,000 | -62.5% | 1.7% |
| Preston Home Loans Inc | $5,050,000 | $6,970,000 | 38.0% | 1.4% |
| JOLT CREDIT UNION | $10,440,000 | $6,950,000 | -33.4% | 1.4% |
| FIRST COMMUNITY MORTGAGE, INC. | $145,000 | $6,890,000 | 4,651.7% | 1.4% |
| DOW CHEMICAL EMPLOYEES' | $11,245,000 | $6,825,000 | -39.3% | 1.4% |
| J. VIRGIL, INC. | $10,300,000 | $6,635,000 | -35.6% | 1.3% |
| MORTGAGE 1 INCORPORATED | $5,800,000 | $6,575,000 | 13.4% | 1.3% |
| The State Bank | $6,955,000 | $6,230,000 | -10.4% | 1.2% |
| PNC Bank | $8,025,000 | $5,730,000 | -28.6% | 1.1% |
| UNITED FINANCIAL Credit Union | $6,390,000 | $5,685,000 | -11.0% | 1.1% |
| Citizens Bank | $6,065,000 | $5,520,000 | -9.0% | 1.1% |
| JPMorgan Chase Bank | $6,100,000 | $4,665,000 | -23.5% | 0.9% |
| FINANCIAL PLUS CREDIT UNION | $4,440,000 | $4,630,000 | 4.3% | 0.9% |
| The Dart Bank | $1,985,000 | $4,230,000 | 113.1% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $2,255,000 | $4,160,000 | 84.5% | 0.8% |
| TEAM ONE CREDIT UNION | $8,210,000 | $3,925,000 | -52.2% | 0.8% |
| Fifth Third Bank | $8,065,000 | $3,915,000 | -51.5% | 0.8% |
| National Exchange Bank and Trust | $3,505,000 | n/a | 0.7% | |
| Lake Huron Credit Union | $4,315,000 | $3,410,000 | -21.0% | 0.7% |
| HEALTH ADVANTAGE FEDERAL CREDIT UNION | $7,350,000 | $3,390,000 | -53.9% | 0.7% |
| MID AMERICA MORTGAGE, INC. | $10,730,000 | $2,980,000 | -72.2% | 0.6% |
| CARDINAL FINANCIAL | $11,150,000 | $2,785,000 | -75.0% | 0.6% |
| WaterStone Bank, SSB | $2,620,000 | n/a | 0.5% | |
| UNION HOME MORTGAGE CORP. | $2,360,000 | $2,580,000 | 9.3% | 0.5% |
| GreenStone Farm Credit Services, FLCA | $2,465,000 | $2,575,000 | 4.5% | 0.5% |
| Horizon Bank | $5,935,000 | $2,200,000 | -62.9% | 0.4% |
| STAUNTON FINANCIAL, INC. | $2,380,000 | $2,180,000 | -8.4% | 0.4% |
| Mr. Cooper ( Nationstar Mortgage ) | $4,075,000 | $2,110,000 | -48.2% | 0.4% |
| LEGEND LENDING CORPORATION | $4,580,000 | $2,060,000 | -55.0% | 0.4% |
| Prosperity Home Mortgage, LLC | $2,040,000 | n/a | 0.4% | |
| NAVY FEDERAL CREDIT UNION | $2,260,000 | $2,030,000 | -10.2% | 0.4% |
| USAA Federal Savings Bank | $1,745,000 | $1,990,000 | 14.0% | 0.4% |
| ELGA CREDIT UNION | $1,935,000 | $1,960,000 | 1.3% | 0.4% |
| BLG HOLDINGS, INC. | $565,000 | $1,905,000 | 237.2% | 0.4% |
| Flagstar Bank, FSB | $3,605,000 | $1,870,000 | -48.1% | 0.4% |
| Carrington Mortgage Services, LLC | $1,395,000 | $1,795,000 | 28.7% | 0.4% |
| Family First Credit Union | $1,790,000 | n/a | 0.4% | |
| DAS Acquisition Company, LLC | $445,000 | $1,760,000 | 295.5% | 0.4% |
| MICHIGAN MUTUAL, INC. | $1,260,000 | $1,755,000 | 39.3% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,355,000 | $1,720,000 | 26.9% | 0.3% |
| ENVOY MORTGAGE, LTD | $5,050,000 | $1,620,000 | -67.9% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,700,000 | $1,610,000 | -5.3% | 0.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | $515,000 | $1,575,000 | 205.8% | 0.3% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $4,045,000 | $1,515,000 | -62.5% | 0.3% |
| First Merchants Bank | $1,450,000 | $1,500,000 | 3.4% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $845,000 | $1,470,000 | 74.0% | 0.3% |
| ROSS MORTGAGE CORPORATION | $910,000 | $1,330,000 | 46.2% | 0.3% |
| CREDIT UNION ONE | $2,000,000 | $1,305,000 | -34.8% | 0.3% |
| Dort Financial Credit Union | $1,130,000 | $1,290,000 | 14.2% | 0.3% |
| LOANDEPOT.COM, LLC | $3,015,000 | $1,240,000 | -58.9% | 0.2% |
| First State Bank | $470,000 | $1,230,000 | 161.7% | 0.2% |
| Bank of America | $3,580,000 | $1,215,000 | -66.1% | 0.2% |
| ChoiceOne Bank | $1,610,000 | $1,100,000 | -31.7% | 0.2% |
| 21ST MORTGAGE CORPORATION | $640,000 | $1,095,000 | 71.1% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $360,000 | $1,015,000 | 181.9% | 0.2% |
| MEMBER FIRST MORTGAGE, LLC | $135,000 | $985,000 | 629.6% | 0.2% |
| TOWNE MORTGAGE COMPANY | $935,000 | $980,000 | 4.8% | 0.2% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $945,000 | $965,000 | 2.1% | 0.2% |
| MORTGAGE CENTER L.C | $1,070,000 | $965,000 | -9.8% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $2,515,000 | $930,000 | -63.0% | 0.2% |
| NEWREZ LLC | $1,620,000 | $930,000 | -42.6% | 0.2% |
| Old National Bank | $7,130,000 | $870,000 | -87.8% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $1,865,000 | $840,000 | -55.0% | 0.2% |
| Equity Prime Mortgage LLC | $815,000 | n/a | 0.2% | |
| Neighborhood Loans, Inc. | $665,000 | $780,000 | 17.3% | 0.2% |
| NEW DAY FINANCIAL, LLC | $1,285,000 | $780,000 | -39.3% | 0.2% |
| Consumers Professional Credit Union | $130,000 | $765,000 | 488.5% | 0.2% |
| CALIBER HOME LOANS, INC. | $4,605,000 | $740,000 | -83.9% | 0.1% |
| GENEVA FINANCIAL, LLC | $1,450,000 | $735,000 | -49.3% | 0.1% |
| Commercial Bank | $55,000 | $685,000 | 1,145.5% | 0.1% |
| GENISYS | $670,000 | $680,000 | 1.5% | 0.1% |
| U.S. Bank | $1,050,000 | $660,000 | -37.1% | 0.1% |
| MICHIGAN SCHOOLS AND GOVERNMENT | $295,000 | $630,000 | 113.6% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $640,000 | $620,000 | -3.1% | 0.1% |
| Thumb Bank and Trust | $850,000 | $620,000 | -27.1% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,200,000 | $605,000 | -49.6% | 0.1% |
| MEMBERS FIRST Credit Union | $620,000 | $605,000 | -2.4% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $310,000 | $530,000 | 71.0% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $280,000 | $530,000 | 89.3% | 0.1% |
| SECURITY CREDIT UNION | $1,430,000 | $530,000 | -62.9% | 0.1% |
| United Bay Community Credit Union | $665,000 | $530,000 | -20.3% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $500,000 | n/a | 0.1% | |
| DFCU FINANCIAL | $490,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $485,000 | n/a | 0.1% | |
| LIMA ONE CAPITAL, LLC | $105,000 | $470,000 | 347.6% | 0.1% |
| Northpointe Bank | $110,000 | $450,000 | 309.1% | 0.1% |
| Discover Bank | $580,000 | $445,000 | -23.3% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $435,000 | n/a | 0.1% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $420,000 | n/a | 0.1% | |
| Great Lakes Federal Credit Union | $415,000 | n/a | 0.1% | |
| LAFCU | $140,000 | $415,000 | 196.4% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $415,000 | n/a | 0.1% | |
| NORTHERN MORTGAGE SERVICES, LLC | $155,000 | $405,000 | 161.3% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $400,000 | n/a | 0.1% | |
| FinancialEdge Community Credit Union | $285,000 | $395,000 | 38.6% | 0.1% |
| Plains Commerce Bank | $390,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $1,750,000 | $360,000 | -79.4% | 0.1% |
| VAN DYK MORTGAGE CORPORATION | $390,000 | $360,000 | -7.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $270,000 | $345,000 | 27.8% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $255,000 | $345,000 | 35.3% | 0.1% |
| RF Renovo Management Company, LLC | $345,000 | n/a | 0.1% | |
| GUARANTEED RATE, INC. | $1,425,000 | $335,000 | -76.5% | 0.1% |
| Comerica Bank | $4,945,000 | $330,000 | -93.3% | 0.1% |
| SUMMIT FUNDING, INC. | $325,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $395,000 | $320,000 | -19.0% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $315,000 | n/a | 0.1% | |
| Sunflower Bank | $135,000 | $310,000 | 129.6% | 0.1% |
| BNC National Bank | $305,000 | n/a | 0.1% | |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | $305,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $105,000 | $295,000 | 181.0% | 0.1% |
| RUOFF MORTGAGE COMPANY, INC. | $330,000 | $290,000 | -12.1% | 0.1% |
| AMWEST FUNDING CORP. | $285,000 | n/a | 0.1% | |
| Summit Mortgage Corporation | $285,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $915,000 | $280,000 | -69.4% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $975,000 | $270,000 | -72.3% | 0.1% |
| VIBE CREDIT UNION | $305,000 | $265,000 | -13.1% | 0.1% |
| Coastal Community Bank | $250,000 | n/a | 0.0% | |
| Community Trust Bank, Inc. | $245,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $105,000 | $235,000 | 123.8% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $225,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $225,000 | n/a | 0.0% | |
| Magnolia Bank | $105,000 | $215,000 | 104.8% | 0.0% |
| MOVEMENT MORTGAGE, LLC | $370,000 | $210,000 | -43.2% | 0.0% |
| SUNRISE FAMILY CREDIT UNION | $175,000 | $210,000 | 20.0% | 0.0% |
| BETTER MORTGAGE CORPORATION | $560,000 | $195,000 | -65.2% | 0.0% |
| Tri-County Bank | $1,095,000 | $195,000 | -82.2% | 0.0% |
| American Airlines Federal Credit Union | $185,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $185,000 | n/a | 0.0% | |
| HOMESPIRE MORTGAGE CORPORATION | $180,000 | n/a | 0.0% | |
| FINANCE OF AMERICA MORTGAGE LLC | $910,000 | $175,000 | -80.8% | 0.0% |
| MICHIGAN ONE COMMUNITY Credit Union | $175,000 | n/a | 0.0% | |
| Victorian Finance, LLC | $175,000 | n/a | 0.0% | |
| PLANET HOME LENDING, LLC | $45,000 | $165,000 | 266.7% | 0.0% |
| Platinum Home Mortgage Corporation | $165,000 | n/a | 0.0% | |
| Figure Lending LLC | $255,000 | $160,000 | -37.3% | 0.0% |
| M&T Bank | $365,000 | $155,000 | -57.5% | 0.0% |
| MYCUMORTGAGE, LLC | $155,000 | n/a | 0.0% | |
| NBKC BANK | $195,000 | $155,000 | -20.5% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $225,000 | $150,000 | -33.3% | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | $145,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $430,000 | $145,000 | -66.3% | 0.0% |
| STOCKTON MORTGAGE CORPORATION | $230,000 | $145,000 | -37.0% | 0.0% |
| AMCAP MORTGAGE, LTD. | $135,000 | n/a | 0.0% | |
| First Savings Bank | $215,000 | $135,000 | -37.2% | 0.0% |
| MMS MORTGAGE SERVICES, LTD. | $85,000 | $135,000 | 58.8% | 0.0% |
| GERBER FEDERAL CREDIT UNION | $125,000 | n/a | 0.0% | |
| MICHIGAN FIRST CREDIT UNION | $70,000 | $125,000 | 78.6% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $635,000 | $125,000 | -80.3% | 0.0% |
| COMMUNITY CHOICE CREDIT UNION | $25,000 | $120,000 | 380.0% | 0.0% |
| CONSUMERS | $905,000 | $120,000 | -86.7% | 0.0% |
| GSF Mortgage Corporation | $115,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $110,000 | n/a | 0.0% | |
| Northstar Bank | $225,000 | $110,000 | -51.1% | 0.0% |
| ALLIANT CREDIT UNION | $105,000 | n/a | 0.0% | |
| AXIA FINANCIAL, LLC | $105,000 | n/a | 0.0% | |
| CMG MORTGAGE, INC. | $320,000 | $105,000 | -67.2% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $55,000 | $95,000 | 72.7% | 0.0% |
| CITIZENS EQUITY FIRST | $85,000 | n/a | 0.0% | |
| CIVIC FINANCIAL SERVICES, LLC | $85,000 | n/a | 0.0% | |
| GVC MORTGAGE, INC. | $85,000 | n/a | 0.0% | |
| HOMESTAR FINANCIAL CORPORATION | $85,000 | n/a | 0.0% | |
| Honor Credit Union | $85,000 | n/a | 0.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $610,000 | $85,000 | -86.1% | 0.0% |
| Servion, Inc. | $240,000 | $85,000 | -64.6% | 0.0% |
| Nations Lending Corporation | $75,000 | n/a | 0.0% | |
| NexBank | $75,000 | n/a | 0.0% | |
| PFCU | $45,000 | $75,000 | 66.7% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $65,000 | n/a | 0.0% | |
| NEW ENGLAND FEDERAL CREDIT UNION | $265,000 | $65,000 | -75.5% | 0.0% |
| Citibank | $305,000 | $55,000 | -82.0% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $55,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $175,000 | $55,000 | -68.6% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $45,000 | n/a | 0.0% | |
| UNIVERSITY OF MICHIGAN CREDIT UNION | $700,000 | $45,000 | -93.6% | 0.0% |
| COPOCO Community Credit Union | $355,000 | $35,000 | -90.1% | 0.0% |
| Financial Partners Credit Union | $35,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $810,000 | $25,000 | -96.9% | 0.0% |
| CASE | $25,000 | n/a | 0.0% | |
| GREENSTATE CREDIT UNION | $25,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $25,000 | n/a | 0.0% | |
| Meijer Credit Union | $15,000 | $15,000 | 0.0% | 0.0% |
SAGINAW's top lender by overall market share is Wells Fargo Bank, with 11.8% market share. In second place, with 8.3%, is Frankenmuth Credit Union, having originated $41,740,000 in loans. In third place, with 6.1%, is QUICKEN LOANS, LLC, having originated $30,855,000 in loans. In fourth place, with 4.8%, is The Huntington National Bank, having originated $24,235,000 in loans. In fifth place, with 4.3%, is Mercantile Bank of Michigan, having originated $21,780,000 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%) | $128,689 (-0.3%) | 0.33 | 562 |
| 2018-02-01 | $86,481 (-10.3%) | $129,229 (0.8%) | 0.31 | 542 |
| 2018-03-01 | $87,125 (-3.2%) | $131,117 (1.6%) | 0.31 | 516 |
| 2018-04-01 | $98,900 (8.4%) | $136,482 (3.8%) | 0.34 | 491 |
| 2018-05-01 | $107,425 (4.9%) | $148,642 (7.4%) | 0.36 | 477 |
| 2018-06-01 | $112,450 (6.4%) | $153,196 (10.0%) | 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 (21.9%) | $156,617 (13.8%) | 0.42 | 590 |
| 2018-11-01 | $122,250 (23.2%) | $153,680 (13.6%) | 0.41 | 567 |
| 2018-12-01 | $119,900 (27.2%) | $151,128 (14.8%) | 0.41 | 540 |
| 2019-01-01 | $116,125 (29.8%) | $147,294 (14.5%) | 0.40 | 480 |
| 2019-02-01 | $119,900 (38.6%) | $149,555 (15.7%) | 0.41 | 425 |
| 2019-03-01 | $122,900 (41.1%) | $157,765 (20.3%) | 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 (16.7%) | 0.41 | 394 |
| 2019-06-01 | $129,900 (15.5%) | $165,738 (8.2%) | 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%) | $193,145 (-1.1%) | 0.38 | 282 |
| 2021-09-01 | $117,500 (-10.8%) | $174,610 (-11.0%) | 0.31 | 298 |
| 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 (12.0%) | 0.37 | 321 |
| 2022-09-01 | $155,000 (31.9%) | $206,203 (18.1%) | 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 | $182,450 (27.4%) | $244,460 (14.2%) | 0.41 | 251 |
| 2024-06-01 | $217,500 (55.5%) | $264,347 (20.3%) | 0.49 | 285 |
| 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 | $207,700 (38.6%) | $276,855 (29.2%) | 0.49 | 349 |
| 2024-10-01 | $196,975 (31.4%) | $260,038 (18.9%) | 0.46 | 356 |
| 2024-11-01 | $179,950 (18.0%) | $234,011 (9.4%) | 0.43 | 379 |
SAGINAW's median listing price for 2024-11-01 was $179,950, a difference of
$27,500
(18.0%) versus the prior year and
$-17,025 versus the prior month.
SAGINAW's median listing price comes in at 43% of the national average.
SAGINAW's average listing price for 2024-11-01 was $234,011, a difference of $20,017 (9.4%) versus the prior year and $-26,027 versus the prior month.
For the 2024-11-01 period, SAGINAW had 379 MLS listings, a difference of 23 listings (6%) versus the prior month and 4 listings (1%) versus the prior year.
SAGINAW's median listing price comes in at 43% of the national average.
SAGINAW's average listing price for 2024-11-01 was $234,011, a difference of $20,017 (9.4%) versus the prior year and $-26,027 versus the prior month.
For the 2024-11-01 period, SAGINAW had 379 MLS listings, a difference of 23 listings (6%) versus the prior month and 4 listings (1%) 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 | 1,453 sqft |
| 2018-02-01 | 81 days | 1,433 sqft |
| 2018-03-01 | 68 days | 1,449 sqft |
| 2018-04-01 | 64 days | 1,460 sqft |
| 2018-05-01 | 49 days | 1,482 sqft |
| 2018-06-01 | 45 days | 1,512 sqft |
| 2018-07-01 | 48 days | 1,539 sqft |
| 2018-08-01 | 45 days | 1,508 sqft |
| 2018-09-01 | 51 days | 1,466 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 | 1,422 sqft |
| 2021-08-01 | 27 days | 1,469 sqft |
| 2021-09-01 | 35 days | 1,403 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 | 32 days | 1,495 sqft |
| 2024-06-01 | 33 days | 1,625 sqft |
| 2024-07-01 | 43 days | 1,639 sqft |
| 2024-08-01 | 34 days | 1,610 sqft |
| 2024-09-01 | 35 days | 1,505 sqft |
| 2024-10-01 | 43 days | 1,542 sqft |
| 2024-11-01 | 44 days | 1,616 sqft |
SAGINAW's median listing age (time on market) for 2024-11-01 was 44 days.
This
is -1%
shorter
than the same period one year ago.
SAGINAW's median square footage for active listings during the 2024-11-01 period was 1,616 sqft. One year prior, the average listing was 1,451 sqft.
SAGINAW's median square footage for active listings during the 2024-11-01 period was 1,616 sqft. One year prior, the average listing was 1,451 sqft.
SAGINAW, 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 |
|---|---|---|---|---|---|---|
| 48415 | Saginaw, MI MSA | $670 | $760 | $1,000 | $1,270 | $1,340 |
| 48417 | Saginaw, MI MSA | $740 | $840 | $1,100 | $1,400 | $1,480 |
| 48420 | Saginaw, MI MSA | $570 | $660 | $830 | $1,030 | $1,120 |
| 48457 | Saginaw, MI MSA | $630 | $720 | $920 | $1,150 | $1,240 |
| 48460 | Saginaw, MI MSA | $610 | $640 | $850 | $1,120 | $1,180 |
| 48601 | Saginaw, MI MSA | $600 | $680 | $890 | $1,130 | $1,200 |
| 48602 | Saginaw, MI MSA | $590 | $670 | $880 | $1,120 | $1,180 |
| 48603 | Saginaw, MI MSA | $680 | $770 | $1,020 | $1,300 | $1,370 |
| 48604 | Saginaw, MI MSA | $670 | $760 | $1,000 | $1,270 | $1,340 |
| 48605 | Saginaw, MI MSA | $620 | $710 | $930 | $1,180 | $1,250 |
| 48606 | Saginaw, MI MSA | $620 | $710 | $930 | $1,180 | $1,250 |
| 48607 | Saginaw, MI MSA | $640 | $720 | $950 | $1,210 | $1,280 |
| 48608 | Saginaw, MI MSA | $620 | $710 | $930 | $1,180 | $1,250 |
| 48609 | Saginaw, MI MSA | $580 | $660 | $870 | $1,110 | $1,170 |
| 48614 | Saginaw, MI MSA | $640 | $730 | $960 | $1,220 | $1,290 |
| 48616 | Saginaw, MI MSA | $550 | $630 | $830 | $1,050 | $1,110 |
| 48623 | Saginaw, MI MSA | $740 | $830 | $1,100 | $1,400 | $1,480 |
| 48626 | Saginaw, MI MSA | $570 | $640 | $840 | $1,090 | $1,210 |
| 48637 | Saginaw, MI MSA | $630 | $710 | $940 | $1,200 | $1,270 |
| 48638 | Saginaw, MI MSA | $620 | $700 | $920 | $1,170 | $1,240 |
| 48649 | Saginaw, MI MSA | $670 | $760 | $1,000 | $1,280 | $1,340 |
| 48655 | Saginaw, MI MSA | $580 | $660 | $870 | $1,110 | $1,170 |
| 48708 | Saginaw, MI MSA | $600 | $660 | $840 | $1,100 | $1,220 |
| 48722 | Saginaw, MI MSA | $580 | $650 | $860 | $1,100 | $1,160 |
| 48724 | Saginaw, MI MSA | $650 | $740 | $970 | $1,230 | $1,300 |
| 48734 | Saginaw, MI MSA | $550 | $630 | $830 | $1,050 | $1,110 |
| 48747 | Saginaw, MI MSA | $590 | $670 | $860 | $1,120 | $1,220 |
| 48757 | Saginaw, MI MSA | $560 | $630 | $830 | $1,050 | $1,120 |
| 48768 | Saginaw, MI MSA | $620 | $710 | $930 | $1,180 | $1,250 |
| 48807 | Saginaw, MI MSA | $660 | $700 | $860 | $1,100 | $1,160 |
| 48831 | Saginaw, MI MSA | $690 | $720 | $900 | $1,170 | $1,220 |
| 48841 | Saginaw, MI MSA | $660 | $710 | $910 | $1,190 | $1,240 |
| 48867 | Saginaw, MI MSA | $620 | $630 | $830 | $1,120 | $1,170 |
2022 Average & Median Rent Data Statistics
SAGINAW, MI average 1BR rent: $701, median: $710
SAGINAW, MI average 2BR rent: $915, median: $910
SAGINAW, MI average 3BR rent: $1,169, median: $1,170
SAGINAW, MI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,738 | $316,640,000 | $182,186 |
| Cash Out Refi | 406 | $63,600,000 | $156,650 |
| Home Improvement | 294 | $20,720,000 | $70,476 |
| Other | 268 | $17,910,000 | $66,828 |
| Refi | 198 | $83,230,000 | $420,354 |
Saginaw's most frequently cited loan purpose was Home Purchase, with 1,738 originations. The 2nd most popular reason was Cash Out Refi, with 406 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,154 | $185,130,000 | $160,425 |
| 7-8% | 806 | $117,670,000 | $145,993 |
| Over 8% | 530 | $60,260,000 | $113,698 |
| 5-6% | 292 | $105,060,000 | $359,795 |
| 4-5% | 38 | $5,760,000 | $151,579 |
| <2.5% | 37 | $815,000 | $22,027 |
| 3-4% | 3 | $145,000 | $48,333 |
| 2.5-3% | 1 | $115,000 | $115,000 |
During 2023, Saginaw's most frequently originated rate bucket was 6-7%, with 1,154 originations.
Loan Sizing (SAGINAW, MI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 1,275 | $70,945,000 | $55,643 |
| $100k-200k | 1,055 | $150,685,000 | $142,829 |
| $200k-400k | 490 | $132,700,000 | $270,816 |
| $400k-600k | 61 | $28,855,000 | $473,033 |
| $600k-1000k | 12 | $8,900,000 | $741,667 |
| $Over $1MM | 11 | $110,015,000 | $10,001,364 |
SAGINAW's loan sizing saw the bucket of loans from $100,000 or less with 1,275 originations, totaling $70,945,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,316 | $230,200,000 | $174,924 |
| 60-80% | 595 | $112,045,000 | $188,311 |
| 20-40% | 376 | $27,440,000 | $72,979 |
| 40-60% | 280 | $90,290,000 | $322,464 |
| Under 20% | 262 | $8,970,000 | $34,237 |
| Over 100% | 20 | $4,340,000 | $217,000 |
SAGINAW's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,316 originations, totaling $230,200,000 in origination value.