Mortgage Rates Belleville, Michigan (MI) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Belleville, Michigan. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Belleville, Michigan include Citizens BankCitizens Bank105 Main St, Belleville, MI, 48111A5.0 ★Texas Ratio: 8.28% at 6.50%, Honor Credit UnionHonor Credit UnionA+5.0 ★Texas Ratio: 5.80% at 5.75%, Financial Plus Credit Union Flint, MIFinancial Plus Credit Union Flint, MIA+5.0 ★Texas Ratio: 3.29% at 5.75%, First Area Credit UnionFirst Area Credit UnionA5.0 ★Texas Ratio: 6.42% at 6.00%, and Dowagiac Area Federal Credit UnionDowagiac Area Federal Credit UnionA5.0 ★Texas Ratio: 8.04% at 6.25%. Mortgage rates as of April 4, 2026 according to verified data from MonitorBankRates.
Belleville has 1 local lender in our database, with mortgage rates as low as 5.88% from Citizens Bank at 105 Main St, Belleville, MI, 48111. Use the tabs below to compare all available loan types and terms. Rates are continually updated — we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Michigan borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: April 4, 2026
Compare Mortgage Rates Today in Belleville, Michigan & the Surrounding Area
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
105 Main St, Belleville, MI, 48111
30-Year Fixed Rate
6.50%
6.58%
▼
Rate6.50%
APR6.58%
Points0.250
UpdatedMar 25, 2026
Details
No additional details available.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
105 Main St, Belleville, MI, 48111
30-Year Fixed Rate
6.50%
6.61%
▼
Rate6.50%
APR6.61%
Points0.625
UpdatedMar 25, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
MSHDA 30 Year Fixed
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
30 Year Fixed - without DPA
30 Year
5.75%
5.89%
▼
Rate5.75%
APR5.89%
Points0.000
UpdatedMar 28, 2026
Details
As Low As; without DPA
First Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
30 Year Fixed Conventional FNMA
6.00%
6.24%
▼
Rate6.00%
APR6.24%
Points0.000
UpdatedMar 26, 2026
Details
No additional details available.
Rate6.12%
APR6.27%
Points0.750
UpdatedMar 27, 2026
Details
As Low As
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
30 Year Fixed-Rate Purchase
6.25%
6.38%
▼
Rate6.25%
APR6.38%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
30 Year Fixed
30 Year
6.25%
6.39%
▼
Rate6.25%
APR6.39%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Rate6.25%
APR6.40%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
AAA Federal Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
Current Mortgage Rate for 30-Year Fixed
6.38%
6.44%
▼
Rate6.38%
APR6.44%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Rate6.38%
APR6.45%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
30 Year Fixed
6.38%
6.49%
▼
Rate6.38%
APR6.49%
Points0.000
UpdatedMar 29, 2026
Details
No additional details available.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
30 Year Fixed Mortgage
30 Year
6.38%
6.49%
▼
Rate6.38%
APR6.49%
Points0.000
UpdatedMar 29, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
30-Year Fixed Mortgage
30
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
30 Year Fixed - with DPA
30 Year
6.38%
6.52%
▼
Rate6.38%
APR6.52%
Points0.000
UpdatedMar 28, 2026
Details
As Low As; with DPA
Jolt Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
30-Year Fixed, Home Possible
6.12%
6.52%
▼
Rate6.12%
APR6.52%
Points0.000
UpdatedMar 27, 2026
Details
3% Down Payment; Payments amortized 360 months
Freeland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
30 Year Fixed Rate
30
6.38%
6.52%
▼
Rate6.38%
APR6.52%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
30 Year Fixed Rate
6.38%
6.52%
▼
Rate6.38%
APR6.52%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Rate6.38%
APR6.54%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
30 Year Fixed
6.12%
6.54%
▼
Rate6.12%
APR6.54%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
30 Year Fixed - Purchase
30 Year
6.12%
6.54%
▼
Rate6.12%
APR6.54%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
30 Year Fixed
30 Year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
30 Year Fixed-Rate Mortgage
30 Year
6.50%
6.63%
▼
Rate6.50%
APR6.63%
Points0.421
UpdatedMar 28, 2026
Details
No additional details available.
Rate6.62%
APR6.67%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
30 Year Fixed Conventional
30 Year
6.50%
6.69%
▼
Rate6.50%
APR6.69%
Points0.000
UpdatedMar 27, 2026
Details
No additional details available.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
30 Year Fixed (Conforming)
6.62%
6.72%
▼
Rate6.62%
APR6.72%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Rural Development Loans 30 Year Fixed
30 Year
6.12%
6.72%
▼
Rate6.12%
APR6.72%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
30 Year Fixed Rate
6.50%
6.75%
▼
Rate6.50%
APR6.75%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
30 Year Fixed Mortgage
6.62%
6.75%
▼
Rate6.62%
APR6.75%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
30 Year Fixed
30 Year
6.62%
6.77%
▼
Rate6.62%
APR6.77%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Rate6.62%
APR6.78%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Conventional 30 Year Fixed
6.62%
6.79%
▼
Rate6.62%
APR6.79%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
30-Year Fixed Rate 30 Day Lock - 1% Point
6.50%
6.80%
▼
Rate6.50%
APR6.80%
Points1.000
UpdatedMar 24, 2026
Details
No additional details available.
Rate6.75%
APR6.80%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
30-Year Fixed
6.62%
6.82%
▼
Rate6.62%
APR6.82%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
Rate6.50%
APR6.86%
Points0.000
UpdatedMar 27, 2026
Details
5% Down Payment; Payments amortized 360 months
Rate6.62%
APR6.86%
Points0.250
UpdatedMar 25, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
30 Year Fixed
30 Year
6.75%
6.90%
▼
Rate6.75%
APR6.90%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
30 Year Fixed (Conforming)
6.88%
6.96%
▼
Rate6.88%
APR6.96%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
RD 30 Year Fixed
6.62%
7.16%
▼
Rate6.62%
APR7.16%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
30-Year Fixed Rural Development
30
7.50%
7.76%
▼
Rate7.50%
APR7.76%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
105 Main St, Belleville, MI, 48111
15-Year Fixed Rate
5.88%
5.99%
▼
Rate5.88%
APR5.99%
Points0.250
UpdatedMar 25, 2026
Details
Rates shown include 0.125% autopay and paperless discount.
Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
105 Main St, Belleville, MI, 48111
15-Year Fixed Rate
5.88%
6.00%
▼
Rate5.88%
APR6.00%
Points0.250
UpdatedMar 25, 2026
Details
No additional details available.
Rate5.38%
APR5.62%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
15 Year Fixed-Rate Purchase
5.62%
5.85%
▼
Rate5.62%
APR5.85%
Points0.125
UpdatedMar 25, 2026
Details
No additional details available.
Rate5.62%
APR5.87%
Points0.750
UpdatedMar 27, 2026
Details
As Low As
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
15 Year Fixed
15 Year
5.75%
5.95%
▼
Rate5.75%
APR5.95%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
15 Year Fixed
15 Year
5.75%
5.99%
▼
Rate5.75%
APR5.99%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Rate5.88%
APR6.00%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
15 Year Fixed
5.88%
6.06%
▼
Rate5.88%
APR6.06%
Points0.000
UpdatedMar 29, 2026
Details
No additional details available.
Wildfire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
15 Year Fixed Mortgage
15 Year
5.88%
6.06%
▼
Rate5.88%
APR6.06%
Points0.000
UpdatedMar 29, 2026
Details
As Low As
Rate6.00%
APR6.08%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Highpoint Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
15 Year Fixed Mortgage
5.88%
6.08%
▼
Rate5.88%
APR6.08%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
15 Year Fixed-Rate Mortgage
15 Year
5.88%
6.09%
▼
Rate5.88%
APR6.09%
Points0.460
UpdatedMar 28, 2026
Details
No additional details available.
Soo-Co-Op Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
15 Year Fixed Rate
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
15 Year Fixed (Conforming)
6.00%
6.13%
▼
Rate6.00%
APR6.13%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Conventional 15 Year Fixed
5.88%
6.13%
▼
Rate5.88%
APR6.13%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Rate5.88%
APR6.14%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
15 Year Fixed (Conforming)
6.00%
6.15%
▼
Rate6.00%
APR6.15%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Isabella Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
15-Year Fixed
6.00%
6.17%
▼
Rate6.00%
APR6.17%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
Wolverine State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.10%
15 Year Fixed
15 Year
5.75%
6.18%
▼
Rate5.75%
APR6.18%
Points0.000
UpdatedMar 29, 2026
Details
As Low As
Freeland State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
15 Year Fixed Rate
15
6.00%
6.18%
▼
Rate6.00%
APR6.18%
Points0.000
UpdatedApr 3, 2026
Details
No additional details available.
Thumb Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
15 Year Fixed Rate
6.00%
6.18%
▼
Rate6.00%
APR6.18%
Points0.000
UpdatedApr 4, 2026
Details
No additional details available.
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1st Mortgage Purchase or Refinance ELGA Portfolio 15 Year Fixed
15
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.000
UpdatedMar 25, 2026
Details
As Low As
First Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.42%
15 Year Fixed Conventional FNMA
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 26, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
15 Year Fixed
5.62%
6.27%
▼
Rate5.62%
APR6.27%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
15 Year Fixed - Purchase
15 Year
5.62%
6.27%
▼
Rate5.62%
APR6.27%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
15-Year Fixed Mortgage
15
5.88%
6.28%
▼
Rate5.88%
APR6.28%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
Kalsee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
15 Year Fixed Conventional
15 Year
6.00%
6.31%
▼
Rate6.00%
APR6.31%
Points0.000
UpdatedMar 27, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
15-Year Fixed Rate 30 Day Lock - 1% Point
5.88%
6.35%
▼
Rate5.88%
APR6.35%
Points1.000
UpdatedMar 24, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
15 Year Fixed
15 Year
6.12%
6.36%
▼
Rate6.12%
APR6.36%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Rate6.12%
APR6.37%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
15 Year Fixed
15 Year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Rate6.25%
APR6.59%
Points0.000
UpdatedMar 25, 2026
Details
As Low As
Rate6.25%
APR7.31%
Points0.000
UpdatedMar 27, 2026
Details
5% Down Payment; Payments amortized 180 months
ELGA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
Investment Property 1st Mortgage Purchase or Refinance ELGA Portfolio 15 Year Fixed
15
7.12%
7.48%
▼
Rate7.12%
APR7.48%
Points0.000
UpdatedMar 25, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Northland Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
3 Year Adjustable Closed End
5.45%
5.53%
▼
Rate5.45%
APR5.53%
Points0.000
UpdatedApr 4, 2026
Details
As Low As; *APR = Annual Percentage Rate. Published rate on date stated is subject to change without notice. Rate stated is "as low as:
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5/1 30 Year ARM
5.62%
5.78%
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
7/1 ARM
5.62%
6.00%
▼
Rate5.62%
APR6.00%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
Old National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Jumbo 5/6mo SOFR ARM
6.00%
6.01%
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.04%
5/1 ARM
5.50%
6.02%
▼
Rate5.50%
APR6.02%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Adjustable-Rate Mortgages
5/1
6.00%
6.21%
▼
Rate6.00%
APR6.21%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Adjustable-Rate Mortgages 5/1
5/1
6.00%
6.21%
▼
Rate6.00%
APR6.21%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Adjustable-Rate Mortgage 5-Year ARM
5.50%
6.23%
▼
Rate5.50%
APR6.23%
Points0.383
UpdatedMar 28, 2026
Details
No additional details available.
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Adjustable-Rate Mortgage 7-Year ARM
5.75%
6.24%
▼
Rate5.75%
APR6.24%
Points0.383
UpdatedMar 28, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Adjustable-Rate Mortgages
5/1
6.00%
6.29%
▼
Rate6.00%
APR6.29%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Adjustable-Rate Mortgages 5/1
5/1
6.00%
6.29%
▼
Rate6.00%
APR6.29%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
15/5 ARM
6.12%
6.38%
▼
Rate6.12%
APR6.38%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
7/6 ARM Special
6.00%
6.40%
▼
Rate6.00%
APR6.40%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Jumbo Adjustable Rate Loans 15/5 ARM
6.38%
6.46%
▼
Rate6.38%
APR6.46%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
7/6 ARM Special
6.00%
6.47%
▼
Rate6.00%
APR6.47%
Points0.000
UpdatedMar 25, 2026
Details
<sup>2</sup>
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
7/1 ARM
6.75%
6.77%
▼
Rate6.75%
APR6.77%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Jumbo Adjustable Rate Loans 7/1 ARM
7.00%
6.78%
▼
Rate7.00%
APR6.78%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Vacant Land Lot 3/1
3/1
7.00%
6.82%
▼
Rate7.00%
APR6.82%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
Jumbo Adjustable Rate Loans 10/1 ARM
7.12%
6.96%
▼
Rate7.12%
APR6.96%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Fixed-Rate Mortgages
15 Year
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points1.000
UpdatedMar 28, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Fixed-Rate Mortgages 15 Year
15 Year
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points1.000
UpdatedMar 28, 2026
Details
As Low As
University of Michigan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
Jumbo Mortgage
10 year
5.88%
5.88%
▼
Rate5.88%
APR5.88%
Points0.000
UpdatedMar 29, 2026
Details
Fixed Rate
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Fixed-Rate Mortgages
15 Year
5.88%
5.91%
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Fixed-Rate Mortgages 15 Year
15 Year
5.88%
5.91%
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Fixed-Rate Mortgages
30 Year
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points1.000
UpdatedMar 28, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Fixed-Rate Mortgages 30 Year
30 Year
6.12%
6.24%
▼
Rate6.12%
APR6.24%
Points1.000
UpdatedMar 28, 2026
Details
As Low As
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
Jumbo Mortgage Loan 15 Year Fixed
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points0.460
UpdatedMar 28, 2026
Details
No additional details available.
Rate6.38%
APR6.39%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Fixed-Rate Mortgages
30 Year
6.38%
6.40%
▼
Rate6.38%
APR6.40%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.68%
Jumbo Fixed-Rate Mortgages 30 Year
30 Year
6.38%
6.40%
▼
Rate6.38%
APR6.40%
Points0.000
UpdatedMar 28, 2026
Details
As Low As
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
30-Yr JUMBO Fixed
6.50%
6.58%
▼
Rate6.50%
APR6.58%
Points0.000
UpdatedMar 25, 2026
Details
<sup>3</sup>
Consumers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
30-Yr JUMBO Refi
6.88%
6.77%
▼
Rate6.88%
APR6.77%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
FHA Fixed-Rate Mortgage
30-Year
6.25%
6.67%
▼
Rate6.25%
APR6.67%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
FHA Fixed-Rate Mortgage
15-Year
6.00%
6.68%
▼
Rate6.00%
APR6.68%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
30-year fixed FHA
5.99%
6.83%
▼
Rate5.99%
APR6.83%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
Rate6.25%
APR6.88%
Points0.000
UpdatedMar 25, 2026
Details
<sup>2</sup>
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
FHA 30 Year Fixed
6.25%
6.91%
▼
Rate6.25%
APR6.91%
Points0.500
UpdatedMar 27, 2026
Details
As Low As
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
FHA 30 Year Fixed
6.75%
6.91%
▼
Rate6.75%
APR6.91%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Rate6.62%
APR6.92%
Points0.875
UpdatedMar 25, 2026
Details
As Low As
Rate6.12%
APR6.99%
Points0.000
UpdatedApr 2, 2026
Details
No additional details available.
Honor Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
FHA 30 Year Fixed
6.50%
7.11%
▼
Rate6.50%
APR7.11%
Points0.000
UpdatedMar 27, 2026
Details
As Low As
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
FHA Mortgage 15 Year Fixed
6.38%
7.19%
▼
Rate6.38%
APR7.19%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Michigan Schools And Government Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.83%
FHA Mortgage 30 Year Fixed
6.75%
7.56%
▼
Rate6.75%
APR7.56%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Rate6.25%
APR8.35%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Rate6.38%
APR6.48%
Points0.000
UpdatedMar 25, 2026
Details
<sup>2</sup>
Rate6.25%
APR6.53%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
VA Fixed-Rate Mortgage
15-Year
6.00%
6.60%
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
VA Fixed-Rate Mortgage 15-Year
15-Year
6.00%
6.60%
▼
Rate6.00%
APR6.60%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
VA Fixed-Rate Mortgage
30-Year
6.25%
6.62%
▼
Rate6.25%
APR6.62%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
Advantage One Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.22%
VA Fixed-Rate Mortgage 30-Year
30-Year
6.25%
6.62%
▼
Rate6.25%
APR6.62%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
OMNI Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
VA 30 Year Fixed
6.75%
6.91%
▼
Rate6.75%
APR6.91%
Points0.000
UpdatedMar 28, 2026
Details
No additional details available.
First Financial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
30-year fixed VA
6.49%
7.07%
▼
Rate6.49%
APR7.07%
Points0.000
UpdatedMar 25, 2026
Details
No additional details available.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
15-Year Fixed Vacant Land
15
6.88%
7.29%
▼
Rate6.88%
APR7.29%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
30-Year Fixed Vacant Land
30
7.25%
7.51%
▼
Rate7.25%
APR7.51%
Points0.000
UpdatedMar 24, 2026
Details
No additional details available.
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The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Belleville, MI Mortgage Rate Trends
Compare local Belleville, MI mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — MI Avg
6.432%
▼ 0.145 vs 7 days ago
Michigan 30-year fixed rates fell 0.145 points over the past 7 days to 6.432%.
15-Year Fixed — MI Avg
6.101%
▼ 0.008 vs 7 days ago
Michigan 15-year fixed rates fell 0.008 points over the past 7 days to 6.101%.
As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Belleville, Michigan directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Belleville, Michigan. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in MI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Belleville, Michigan
How does my credit score affect my rate in Michigan?
Your credit score is a major factor. Generally, borrowers in Belleville, Michigan with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Michigan because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Michigan?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Michigan, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Belleville, Michigan, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Belleville, Michigan?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Michigan, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Michigan?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Belleville, Michigan offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Belleville, Michigan?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Belleville, Michigan?
- Citizens Bank: 6.50% (30-Year Fixed Rate)
- Honor Credit Union: 5.75% (MSHDA 30 Year Fixed)
- Financial Plus Credit Union Flint, MI: 5.75% (30 Year Fixed - without DPA)
- First Area Credit Union: 6.00% (30 Year Fixed Conventional FNMA)
- Dowagiac Area Federal Credit Union: 6.25% (30 Year Fixed-Rate Purchase)
Mortgage Rates reflect actual verified offers from lenders actively lending to Michigan borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: April 4, 2026
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