What people paid for mortgages in Macomb County, MI (2025)
Across 9,161 closed home-purchase loans in 2025, the median interest rate in Macomb was 6.625%, and the middle half of borrowers got between 6.25% and 6.99%. Median total loan costs ran $4,681 on a median loan of $235,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.625%
- Middle half of rates
- 6.25%–6.99%
- Median total loan costs
- $4,681
- Median loan amount
- $235,000
9,161 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.875%
- Median total loan costs
- $5,101
- Median loan amount
- $215,000
4,620 loans, 2025.
Lowest median rates in Macomb (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.M/I FINANCIAL, LLC5.875%48 loans, median costs $11,947
- 2.Bank of America, National Association5.995%120 loans, median costs $240
- 3.Polish-American Federal Credit Union6%30 loans, median costs $3,099
- 4.MICHIGAN SCHOOLS AND GOVERNMENT6.125%249 loans, median costs $2,773
- 5.Navy Federal Credit Union6.125%49 loans, median costs $2,962
Among lenders with at least 30 closed purchase loans in Macomb County in 2025.
Refinance
- 1.PNC Bank, National Association5.375%83 loans, median costs $4,761
- 2.Comerica Bank5.99%97 loans, median costs $2,721
- 3.PENNYMAC LOAN SERVICES, LLC5.99%73 loans, median costs $7,931
- 4.Bank of America, National Association5.99%43 loans, median costs $2,452
- 5.MICHIGAN SCHOOLS AND GOVERNMENT6%153 loans, median costs $2,252
Among lenders with at least 30 closed refinance loans in Macomb County in 2025.
Lender by lender in Macomb
Every lender that closed at least 5 qualifying loans in Macomb 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 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 2,051 | 6.624% | $5,500 | $2,195 | $1,572 |
| 2 | Rocket Mortgage, LLC | 959 | 6.625% | $4,445 | $1,747 | $1,956 |
| 3 | MORTGAGE 1 INCORPORATED | 565 | 6.625% | $4,381 | $2,240 | $1,263 |
| 4 | First State Bank | 250 | 6.625% | $3,726 | $950 | $461 |
| 5 | MICHIGAN SCHOOLS AND GOVERNMENT | 249 | 6.125% | $2,773 | $745 | $294 |
| 6 | UNION HOME MORTGAGE CORP. | 241 | 6.875% | $5,130 | $2,122 | $1,110 |
| 7 | 21st Mortgage Corporation | 229 | 11.2% | n/a | n/a | n/a |
| 8 | Flagstar Bank, N.A. | 226 | 6.625% | $3,635 | $1,295 | $800 |
| 9 | GUARANTEED RATE, INC. | 202 | 6.625% | $4,780 | $1,766 | $965 |
| 10 | LAKE MICHIGAN CREDIT UNION | 159 | 6.365% | $4,646 | $1,390 | $603 |
| 11 | STAUNTON FINANCIAL, INC. | 152 | 6.624% | $4,294 | $1,613 | $1,183 |
| 12 | The Huntington National Bank | 151 | 6.5% | $4,177 | $1,395 | $880 |
| 13 | CROSSCOUNTRY MORTGAGE, INC. | 138 | 6.85% | $6,092 | $2,877 | $1,947 |
| 14 | MORTGAGE CENTER L.C | 137 | 6.375% | $4,290 | $1,400 | $579 |
| 15 | JPMorgan Chase Bank, National Association | 135 | 6.375% | $2,599 | $650 | $1,650 |
| 16 | THE LOAN STORE, INC.broker only | 132 | 6.625% | $6,015 | $2,644 | $1,233 |
| 17 | Mortgage Research Center, LLC | 130 | 6.25% | $5,076 | $140 | $785 |
| 18 | Bank of America, National Association | 120 | 5.995% | $240 | $3 | $3,398 |
| 19 | Superior National Bank | 109 | 6.5% | $3,714 | $1,195 | $806 |
| 20 | TRIAD FINANCIAL SERVICES, INC. | 109 | 8.49% | n/a | n/a | n/a |
| 21 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 98 | 6.625% | $4,951 | $1,955 | $1,158 |
| 22 | Genisys Credit Union | 95 | 6.375% | $3,465 | $850 | $524 |
| 23 | FIRST COMMUNITY MORTGAGE, INC. | 90 | 6.625% | $5,069 | $2,423 | $1,253 |
| 24 | ZILLOW HOME LOANS, LLC | 77 | 6.625% | $3,959 | $1,702 | $1,240 |
| 25 | First Merchants Bank | 76 | 6.25% | $4,200 | $1,300 | $610 |
| 26 | NEWREZ LLC | 72 | 6.625% | $6,152 | $2,781 | $2,018 |
| 27 | UIF CORPORATION | 71 | 6.75% | $4,011 | $1,395 | $791 |
| 28 | PLAZA HOME MORTGAGE, INC.broker only | 69 | 6.75% | $4,161 | $1,390 | $1,216 |
| 29 | MICHIGAN FIRST CREDIT UNION | 67 | 6.625% | $4,546 | $1,885 | $2,272 |
| 30 | PULTE MORTGAGE LLC | 64 | 6.625% | $1,627 | $0 | $3,016 |
| 31 | SUCCESS MORTGAGE PARTNERS, INC. | 60 | 6.625% | $5,128 | $2,041 | $440 |
| 32 | MICHIGAN MUTUAL, INC. | 58 | 6.99% | $5,982 | $2,050 | $1,263 |
| 33 | The Dart Bank | 53 | 6.75% | $5,997 | $1,340 | $907 |
| 34 | THE MORTGAGE LINK, INC. | 50 | 6.625% | $14,081 | $2,124 | $1,873 |
| 35 | Navy Federal Credit Union | 49 | 6.125% | $2,962 | $0 | $4,898 |
| 36 | University Bank | 49 | 6.625% | $3,950 | $1,775 | $1,300 |
| 37 | M/I FINANCIAL, LLC | 48 | 5.875% | $11,947 | $9,398 | $7,063 |
| 38 | ROSS MORTGAGE CORPORATION | 45 | 6.625% | $5,466 | $1,835 | $1,430 |
| 39 | EVERETT FINANCIAL, INC. | 45 | 6.625% | $5,161 | $739 | $739 |
| 40 | Zippy Loans, LLC | 43 | 9.65% | $7,228 | $2,325 | n/a |
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 Macomb figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Macomb County in 2025?
The median interest rate on closed home-purchase loans in Macomb County, Michigan in 2025 was 6.625%, across 9,161 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.99%.
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.