Michigan mortgage rates November 10, 2026: same rate, new price
On November 10, 2026 at 12:05 PM ET, RateVerdict priced a $400,000 30-year fixed Michigan refinance with 780+ credit and the rate closest to $0 at closing was 6.625% (6.698% APR, $56 in points); the same 6.500% rate that came with a $416 lender credit (6.573% APR) on November 9 cost $2,492 in points (6.628% APR) on November 10 (source: RateVerdict Michigan rate table and history, 12:05 PM ET each day).
The short answer for November 10, 2026
RateVerdict priced one Michigan loan at 12:05 PM ET on Tuesday, November 10, 2026: a $400,000 30-year fixed refinance with a credit score of 780 or higher, priced against dozens of lenders (source: RateVerdict Michigan rate table, as of November 10, 2026, 12:05 PM ET).
The rate closest to $0 at closing was 6.625%, with a 6.698% APR and $56 in points. The top of the table was 6.250%, with a 6.490% APR and $7,588 in points (same source and time).
These are dated prices, not today's. The live Michigan rate table on this site is repriced every weekday at midday ET, and the Michigan rate history page keeps the past weekday snapshots.
Same rate, different price from one day to the next
A mortgage rate is only half of a quote. The other half is its price: the points you pay at closing to get that rate, or the lender credit you receive for taking it. Lenders reprice their rate sheets, so the same note rate (the interest rate on the loan) can carry a different price from one day to the next.
Take 6.500%. On Monday, November 9, it was the rate closest to $0 at closing, with a 6.573% APR and a $416 lender credit. On Tuesday, November 10, the same 6.500% rate had a 6.628% APR and cost $2,492 in points. That is $2,908 more at closing for the same rate on the same sample loan (sources: RateVerdict Michigan rate history for November 9, and the Michigan rate table for November 10, each at 12:05 PM ET).
What changed at the top and the middle of the table
- The rate closest to $0 at closing moved from 6.500% on Monday ($416 credit, 6.573% APR) to 6.625% on Tuesday ($56 cost, 6.698% APR) (source: RateVerdict Michigan rate history, weekday 12:05 PM ET snapshots).
- The top of the table moved from 6.000% on Monday (6.266% APR, $8,884 cost) to 6.250% on Tuesday (6.490% APR, $7,588 cost) (same source).
- At 7.000% on Tuesday, lenders priced the same loan as much as $7,272 apart (source: RateVerdict Michigan rate table, as of November 10, 2026, 12:05 PM ET).
- These are dated prices for one named loan. They are not a forecast of where prices go next.
Tuesday's full Michigan table
Below is every rate RateVerdict kept for the Tuesday sample loan, each with its APR and its cost or credit at closing.
Today's Michigan table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
See today's Michigan rates| Rate | APR | Points | Cost or credit at closing |
|---|---|---|---|
| 6.250% | 6.490% | 1.897 | $7,588 cost |
| 6.375% | 6.556% | 1.225 | $4,900 cost |
| 6.500% | 6.628% | 0.623 | $2,492 cost |
| 6.625% | 6.698% | 0.014 | $56 cost |
| 6.750% | 6.823% | -0.336 | $1,344 credit |
| 6.875% | 6.951% | -0.860 | $3,440 credit |
| 7.000% | 7.078% | -1.398 | $5,592 credit |
| 7.125% | 7.205% | -1.817 | $7,268 credit |
| 7.250% | 7.274% | -1.994 | $7,976 credit |
| 7.375% | 7.399% | -2.425 | $9,700 credit |
| 7.500% | 7.524% | -2.799 | $11,196 credit |
| 7.625% | 7.710% | -3.173 | $12,692 credit |
See today's rate for your scenario
The Michigan table above is one sample loan on one day. For today's prices, see the live Michigan rate table. To price your own balance, home value and credit range, with every rate and its APR, use the rate tool on this site.
Common questions
What was the 30-year fixed refinance rate closest to $0 at closing in Michigan on November 10, 2026?
It was 6.625% with a 6.698% APR and $56 in points (0.014 points) for the $400,000 Michigan sample refinance with 780+ credit (source: RateVerdict Michigan rate table, as of November 10, 2026, 12:05 PM ET).
How much did the price of 6.500% change from November 9 to November 10, 2026?
On November 9, 6.500% (6.573% APR) came with a $416 lender credit. On November 10, 6.500% (6.628% APR) cost $2,492 in points, or $2,908 more at closing for the same rate (sources: RateVerdict Michigan rate history and rate table, each at 12:05 PM ET).
Why can the same mortgage rate cost more one day than the day before?
Lenders set a price for every rate on their rate sheets and reprice those sheets regularly. The rate stays the same number, but the points or credit attached to it change. That is why a rate quote means little without its cost in dollars and the date it was priced.
Why did the Michigan table start at a different rate on November 10?
Each day's table lists the rates kept from that day's pricing, so the first row can change. On November 9 the top row was 6.000% (6.266% APR, $8,884 cost) and on November 10 it was 6.250% (6.490% APR, $7,588 cost) (source: RateVerdict Michigan rate history).
How should I compare a quote from one day with a quote from another?
Treat them as two different prices. Ask each lender to price the same rate on the same day, with points or credit shown in dollars and the APR beside it. Your Loan Estimate shows both, so you can line them up.
Can I download the Michigan rate table?
Yes. The live page links to a JSON and a CSV download of the current table, and the history page links to JSON and CSV of the last 30 weekday snapshots (sources: RateVerdict Michigan rate table and rate history pages).
See today's Michigan rates
Today's Michigan table shows every rate with its APR and its cost or credit in dollars, no sign-up needed.
Sources
- RateVerdict, Michigan mortgage rates today (weekday noon snapshot)as of November 10, 2026, 12:05 PM ET
- RateVerdict, Michigan mortgage rate historyas of November 9 and November 10, 2026, 12:05 PM ET snapshots
This article is educational and is not an offer to lend, a rate lock, or a commitment to lend. Rates and terms depend on a complete application and are subject to credit approval, underwriting, and program guidelines. Any figure shown comes from our pricing engines or a cited source with its as-of date. See how we get our numbers on the methodology page.
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