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Updated: December 2, 2024
2025 Mortgage Loan Limits: Saginaw County, Michigan
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Source: Federal Housing Finance Agency; Federal Housing Administration
Saginaw County, Michigan, mortgage loan limits apply in:
Saginaw County 2025 mortgage loan limits include the following cities: Albee, Birch Run, Birch Run (Township), Blumfield, Brady, Brant, Bridgeport, Bridgeport (Charter Township), Buena Vista, Buena Vista (Charter Township), Burt, Carrollton, Chapin, Chesaning, Chesaning (Township), Frankenmuth, Frankenmuth (Township), Freeland, Fremont, Hemlock, James, Jonesfield, Kochville, Lakefield, Maple Grove, Marion, Merrill, Oakley, Richland, Robin Glen-Indiantown, Saginaw, Saginaw (Charter Township), Shields, Spaulding, St. Charles, St. Charles (Township), Swan Creek, Taymouth, Thomas, Tittabawassee, Zilwaukee, Zilwaukee (Township)
Historical Charts: Mortgage Loan Limits in Saginaw County, Michigan
Mortgage loan limits adjust annually to match changes in U.S. home values. As home values go up or down in Saginaw County, so do the local loan limits. Changes in mortgage loan limits promote affordable homeownership, fair lending, and a balanced housing market.
Mortgage Statistics from Saginaw County, Michigan
Mortgage statistics for Saginaw County, sourced from the Home Mortgage Disclosure Act (HMDA) database, maintained by the Federal Financial Institutions Examination Council (FFIEC). The HMDA database contains detailed, anonymous loan data and provides insight into home buyer traits, mortgage borrowing patterns, and mortgage approval rates. Percentages may not total 100% due to rounding.
Mortgages
Total
Purchase Mortgages (2018-2023)
9944
Loan Type
Relative Share
Conventional
71.72%
FHA
18.32%
VA
5.85%
USDA
4.10%
Property Type
Relative Share
1-Unit Homes
98.19%
2-Unit Homes
1.61%
3-Unit Homes
0.12%
4-Unit Homes
0.08%
Borrower Status
Relative Share
One Applicant
64.44%
Two or More Applicants
35.56%
Gender
Relative Share
Male
36.33%
Female
27.03%
Joint Sex
30.69%
Not Available
5.94%
Race
Relative Share
American Indian / Alaska Native
0.36%
Asian
1.16%
Black / African American
7.08%
Native Hawaiian / Other Pacific Islander
0.10%
White
79.35%
Mixed Race
1.21%
Other Race
10.74%
Ethnicity
Relative Share
Hispanic or Latino
4.18%
Not Hispanic or Latino
82.76%
Joint Ethnicity
2.11%
Other Ethnicity
10.94%
Saginaw County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act
Mortgage Loan Limits Near Saginaw County, Michigan
Get 2025 conforming and FHA mortgage loan limits for the areas surrounding Saginaw County, Michigan. Local loan limits and county-level mortgage data updated regularly.
