What people paid for mortgages in Muskegon County, MI (2025)
Across 2,004 closed home-purchase loans in 2025, the median interest rate in Muskegon was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $4,346 on a median loan of $205,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.625%
- Middle half of rates
- 6.25%–6.875%
- Median total loan costs
- $4,346
- Median loan amount
- $205,000
2,004 loans, 2025.
Refinance
- Median rate
- 6.375%
- Middle half of rates
- 5.99%–6.875%
- Median total loan costs
- $5,118
- Median loan amount
- $195,000
1,139 loans, 2025.
Lowest median rates in Muskegon (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.LAKE MICHIGAN CREDIT UNION6.375%407 loans, median costs $3,492
- 2.Fifth Third Bank, National Association6.5%49 loans, median costs $3,569
- 3.Mortgage Research Center, LLC6.5%44 loans, median costs $3,736
- 4.MMS MORTGAGE SERVICES, LTD.6.5%31 loans, median costs $3,831
- 5.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.583%111 loans, median costs $6,598
Among lenders with at least 30 closed purchase loans in Muskegon County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.096%132 loans, median costs $5,234
- 2.Rocket Mortgage, LLC6.125%171 loans, median costs $6,757
- 3.VAN DYK MORTGAGE CORPORATION6.125%57 loans, median costs $7,063
- 4.FREEDOM MORTGAGE CORPORATION6.25%43 loans, median costs $4,290
- 5.LAKE MICHIGAN CREDIT UNION6.5%74 loans, median costs $2,880
Among lenders with at least 30 closed refinance loans in Muskegon County in 2025.
Lender by lender in Muskegon
Every lender that closed at least 5 qualifying loans in Muskegon 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 | 407 | 6.375% | $3,492 | $1,103 | $497 |
| 2 | MORTGAGE 1 INCORPORATED | 226 | 6.625% | $4,986 | $2,466 | $1,467 |
| 3 | VAN DYK MORTGAGE CORPORATION | 135 | 6.625% | $4,304 | $0 | $2,425 |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 111 | 6.583% | $6,598 | $2,658 | $2,532 |
| 5 | Rocket Mortgage, LLC | 83 | 6.625% | $5,432 | $2,179 | $1,756 |
| 6 | T2 FINANCIAL LLC | 64 | 6.75% | $6,575 | $2,896 | $1,423 |
| 7 | LEADERONE FINANCIAL CORPORATION | 58 | 6.625% | $6,590 | $1,477 | $970 |
| 8 | The Huntington National Bank | 49 | 6.625% | $3,993 | $1,395 | $894 |
| 9 | Fifth Third Bank, National Association | 49 | 6.5% | $3,569 | $1,295 | $750 |
| 10 | Mortgage Research Center, LLC | 44 | 6.5% | $3,736 | $0 | $842 |
| 11 | TRIAD FINANCIAL SERVICES, INC. | 43 | 8.75% | n/a | n/a | n/a |
| 12 | CONSUMERS CREDIT UNION | 43 | 6.75% | $3,302 | $1,075 | $916 |
| 13 | TOWNE MORTGAGE COMPANY | 41 | 6.625% | $3,305 | $1,045 | $641 |
| 14 | SUCCESS MORTGAGE PARTNERS, INC. | 33 | 6.625% | $8,201 | $3,878 | $3,233 |
| 15 | 21st Mortgage Corporation | 33 | 11.73% | $6,370 | $4,500 | n/a |
| 16 | MMS MORTGAGE SERVICES, LTD. | 31 | 6.5% | $3,831 | $1,677 | $645 |
| 17 | ChoiceOne Bank | 26 | 6.625% | $2,824 | $795 | $653 |
| 18 | JPMorgan Chase Bank, National Association | 24 | 6.433% | $4,072 | $1,935 | $1,039 |
| 19 | RUOFF MORTGAGE COMPANY, INC. | 21 | 6.625% | $4,167 | $1,565 | $2,645 |
| 20 | AMERICAN PACIFIC MORTGAGE CORPORATION | 21 | 6.625% | $6,107 | $3,147 | $2,398 |
| 21 | UNION HOME MORTGAGE CORP. | 21 | 6.75% | $6,588 | $2,837 | $1,484 |
| 22 | Independent Bank | 19 | 6.625% | $4,154 | $1,353 | $583 |
| 23 | Navy Federal Credit Union | 16 | 6% | $2,424 | $0 | $2,501 |
| 24 | NORTHERN MORTGAGE SERVICES, LLC | 16 | 6.49% | $5,630 | $3,921 | $1,263 |
| 25 | GUILD MORTGAGE COMPANY | 15 | 6.875% | $5,796 | $2,299 | $838 |
| 26 | Mercantile Bank | 14 | 6.75% | $3,476 | $1,190 | $387 |
| 27 | AMERICAN FINANCIAL RESOURCES, INC. | 13 | 7.25% | $9,665 | $4,638 | $1,217 |
| 28 | CHURCHILL MORTGAGE CORPORATION | 13 | 6.5% | $7,151 | $2,606 | $2,537 |
| 29 | CROSSCOUNTRY MORTGAGE, INC. | 13 | 6.49% | $4,323 | $1,490 | $939 |
| 30 | Zippy Loans, LLC | 12 | 9.65% | $6,580 | $2,325 | n/a |
| 31 | Fairway Independent Mortgage Corporation | 11 | 6.625% | $6,932 | $2,335 | $1,044 |
| 32 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 10 | 6.438% | $4,778 | $1,450 | $200 |
| 33 | MICHIGAN FIRST CREDIT UNION | 10 | 6.625% | $5,023 | $2,047 | n/a |
| 34 | Best Financial Credit Union | 9 | 6.625% | n/a | n/a | n/a |
| 35 | The Dart Bank | 9 | 6.75% | $3,664 | $1,190 | $625 |
| 36 | The Shelby State Bank | 8 | n/a | n/a | n/a | n/a |
| 37 | ZILLOW HOME LOANS, LLC | 8 | 6.75% | $5,749 | $2,633 | $1,950 |
| 38 | PNC Bank, National Association | 8 | 6.375% | $3,540 | $1,282 | $284 |
| 39 | TOP FLITE FINANCIAL, INC. | 7 | 6.625% | $6,245 | $1,525 | $55 |
| 40 | MICHIGAN STATE UNIVERSITY Federal Credit Union | 7 | 6.75% | $3,915 | $1,395 | $5,605 |
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 Muskegon figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Muskegon County in 2025?
The median interest rate on closed home-purchase loans in Muskegon County, Michigan in 2025 was 6.625%, across 2,004 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% 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.