What people paid for mortgages in Kent County, MI (2025)
Across 6,839 closed home-purchase loans in 2025, the median interest rate in Kent was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $4,166 on a median loan of $285,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.875%
- Median total loan costs
- $4,166
- Median loan amount
- $285,000
6,839 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.99%–6.875%
- Median total loan costs
- $4,784
- Median loan amount
- $245,000
3,231 loans, 2025.
Lowest median rates in Kent (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.Adventure Credit Union5.99%30 loans, median costs $4,669
- 2.DFCU FINANCIAL6.125%31 loans, median costs $4,097
- 3.LAKE MICHIGAN CREDIT UNION6.375%1,801 loans, median costs $3,633
- 4.Old National Bank6.375%266 loans, median costs $3,406
- 5.JPMorgan Chase Bank, National Association6.375%87 loans, median costs $3,650
Among lenders with at least 30 closed purchase loans in Kent County in 2025.
Refinance
- 1.CONSUMERS CREDIT UNION5.99%118 loans, median costs $3,159
- 2.PENNYMAC LOAN SERVICES, LLC5.99%73 loans, median costs $7,079
- 3.NORTHERN MORTGAGE SERVICES, LLC5.99%49 loans, median costs $6,951
- 4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%360 loans, median costs $6,685
- 5.Rocket Mortgage, LLC6.125%367 loans, median costs $7,412
Among lenders with at least 30 closed refinance loans in Kent County in 2025.
Lender by lender in Kent
Every lender that closed at least 5 qualifying loans in Kent County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | LAKE MICHIGAN CREDIT UNION | 1,801 | 6.375% | $3,633 | $1,010 | $576 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 434 | 6.582% | $6,622 | $2,615 | $1,510 |
| 3 | Old National Bank | 266 | 6.375% | $3,406 | $1,100 | $466 |
| 4 | Mercantile Bank | 261 | 6.625% | $3,651 | $1,190 | $792 |
| 5 | Rocket Mortgage, LLC | 206 | 6.5% | $5,474 | $2,509 | $2,733 |
| 6 | Fifth Third Bank, National Association | 184 | 6.5% | $3,836 | $1,295 | $877 |
| 7 | MORTGAGE 1 INCORPORATED | 183 | 6.625% | $4,487 | $2,428 | $2,178 |
| 8 | CONSUMERS CREDIT UNION | 178 | 6.625% | $3,472 | $1,075 | $1,063 |
| 9 | TRIAD FINANCIAL SERVICES, INC. | 152 | 8.565% | n/a | n/a | n/a |
| 10 | NORTHERN MORTGAGE SERVICES, LLC | 151 | 6.625% | $6,045 | $3,504 | $1,466 |
| 11 | Independent Bank | 143 | 6.625% | $4,198 | $1,353 | $589 |
| 12 | 21st Mortgage Corporation | 143 | 10.5% | $5,014 | $4,045 | n/a |
| 13 | GUILD MORTGAGE COMPANY | 142 | 6.75% | $4,327 | $1,541 | $1,901 |
| 14 | The Huntington National Bank | 135 | 6.5% | $4,115 | $1,395 | $849 |
| 15 | AMERICAN PACIFIC MORTGAGE CORPORATION | 126 | 6.625% | $7,106 | $3,742 | $3,405 |
| 16 | Northpointe Bank | 120 | 6.625% | $5,668 | $2,979 | $2,063 |
| 17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 112 | 6.625% | $5,609 | $3,264 | $1,090 |
| 18 | CHURCHILL MORTGAGE CORPORATION | 110 | 6.625% | $7,420 | $4,687 | $3,446 |
| 19 | The Dart Bank | 90 | 6.625% | $5,402 | $1,879 | $1,600 |
| 20 | JPMorgan Chase Bank, National Association | 87 | 6.375% | $3,650 | $1,482 | $1,422 |
| 21 | SUCCESS MORTGAGE PARTNERS, INC. | 84 | 6.625% | $8,738 | $4,897 | $2,865 |
| 22 | CROSSCOUNTRY MORTGAGE, INC. | 73 | 6.625% | $5,020 | $1,817 | $1,662 |
| 23 | Mortgage Research Center, LLC | 71 | 6.375% | $5,915 | $1,435 | $1,601 |
| 24 | UNION HOME MORTGAGE CORP. | 64 | 6.688% | $5,696 | $2,405 | $990 |
| 25 | ChoiceOne Bank | 59 | 6.625% | $3,495 | $1,180 | $840 |
| 26 | Fairway Independent Mortgage Corporation | 56 | 6.625% | $5,950 | $2,850 | $1,348 |
| 27 | MICHIGAN FIRST CREDIT UNION | 51 | 6.375% | $4,123 | $1,884 | $1,032 |
| 28 | FIRST COMMUNITY MORTGAGE, INC. | 51 | 6.625% | $5,321 | $1,998 | $3,710 |
| 29 | United Bank of Michigan | 46 | n/a | n/a | n/a | n/a |
| 30 | TOP FLITE FINANCIAL, INC. | 39 | 6.625% | $7,328 | $2,928 | $3,471 |
| 31 | CANOPY MORTGAGE, LLC | 36 | 6.5% | $5,459 | $3,260 | $2,680 |
| 32 | PENNYMAC LOAN SERVICES, LLC | 33 | 6.499% | $5,327 | $1,780 | $1,087 |
| 33 | GUARANTEED RATE, INC. | 32 | 6.5% | $4,477 | $1,640 | $3,210 |
| 34 | NEWREZ LLC | 31 | 6.5% | $6,954 | $1,910 | $1,313 |
| 35 | DFCU FINANCIAL | 31 | 6.125% | $4,097 | $1,725 | $877 |
| 36 | Adventure Credit Union | 30 | 5.99% | $4,669 | $2,642 | $1,436 |
| 37 | MICHIGAN STATE UNIVERSITY Federal Credit Union | 28 | 6.5% | $3,738 | $1,295 | n/a |
| 38 | Flagstar Bank, N.A. | 26 | 6.625% | $3,945 | $1,666 | $825 |
| 39 | PFN Lending Group, Inc. | 24 | 6.75% | $8,171 | $2,170 | $456 |
| 40 | MORTGAGE CENTER L.C | 24 | 6.25% | $4,076 | $1,412 | $707 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Kent figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Kent County in 2025?
The median interest rate on closed home-purchase loans in Kent County, Michigan in 2025 was 6.5%, across 6,839 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.