Michigan mortgage rates November 11, 2026: prices that held
On November 11, 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% (6.696% APR, $56 in points), the same rate and the same $56 cost as on November 10, when the APR was 6.698% (source: RateVerdict Michigan rate table and history, 12:05 PM ET each day).
The short answer for November 11, 2026
RateVerdict priced one Michigan loan at 12:05 PM ET on Wednesday, November 11, 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 11, 2026, 12:05 PM ET).
The rate closest to $0 at closing was 6.625%, with a 6.696% APR and $56 in points. The top of the table was 6.250%, with a 6.489% APR and $7,588 in points (same source and time).
These prices were current as of 12:05 PM ET on November 11, 2026. 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.
The same two prices held from Tuesday to Wednesday
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. On Wednesday, the two figures the Michigan history page keeps for each day, the top of the table and the rate closest to $0 at closing, carried the same cost in dollars as on Tuesday.
Take 6.625%, the rate closest to $0 at closing on both days. On Tuesday, November 10, it had a 6.698% APR and cost $56 in points. On Wednesday, November 11, it still cost $56 in points, with a 6.696% APR (source: RateVerdict Michigan rate history, 12:05 PM ET each day).
What else the November 11 table shows
- The top of the table also held: 6.250% with $7,588 in points. Its APR read 6.489% on Wednesday and 6.490% on Tuesday (source: RateVerdict Michigan rate history, weekday 12:05 PM ET snapshots).
- At 7.875% on Wednesday, lenders priced the same loan as much as $10,308 apart. That row was a $13,244 credit with a 7.960% APR (source: RateVerdict Michigan rate table, as of November 11, 2026, 12:05 PM ET).
- These are dated prices for one named loan. A price that held for one day is not a forecast of the next day.
Wednesday's full Michigan table
Below is every rate RateVerdict kept for the Wednesday 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% | 6.489% | 1.897 | $7,588 cost |
| 6.375% | 6.554% | 1.225 | $4,900 cost |
| 6.500% | 6.626% | 0.623 | $2,492 cost |
| 6.625% | 6.696% | 0.014 | $56 cost |
| 6.750% | 6.822% | -0.336 | $1,344 credit |
| 6.875% | 6.950% | -0.860 | $3,440 credit |
| 7.000% | 7.076% | -1.398 | $5,592 credit |
| 7.125% | 7.203% | -1.817 | $7,268 credit |
| 7.375% | 7.455% | -2.250 | $9,000 credit |
| 7.500% | 7.581% | -2.765 | $11,060 credit |
| 7.625% | 7.707% | -3.173 | $12,692 credit |
| 7.875% | 7.960% | -3.311 | $13,244 credit |
See today's rate for your scenario
The Michigan table above is one sample loan on one day. For the live table, see the Michigan rate table on this site. 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 11, 2026?
It was 6.625% with a 6.696% 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 11, 2026, 12:05 PM ET).
Did the top of the table and the closest-to-$0 prices change from November 10 to November 11, 2026?
No. The rate closest to $0 at closing stayed at 6.625% with $56 in points, and the top of the table stayed at 6.250% with $7,588 in points. The APRs ticked: 6.625% read 6.696% on November 11 and 6.698% on November 10; 6.250% read 6.489% on November 11 and 6.490% on November 10 (source: RateVerdict Michigan rate history, 12:05 PM ET each day).
Why did the APR change slightly when the points stayed the same?
The APR (annual percentage rate) shows the yearly cost of the loan including points and other costs, not just the interest rate. On the Michigan history page, 6.625% still cost $56 in points on November 11 but its APR read 6.696%, down from 6.698% on November 10. The top of the table still cost $7,588 at 6.250%, and its APR read 6.489%, down from 6.490%.
What was the widest gap between lenders for the same Michigan rate on November 11, 2026?
At 7.875%, lenders priced the same $400,000 sample loan as much as $10,308 apart. The table shows one price per rate, chosen from the lenders priced, which for 7.875% was a $13,244 credit with a 7.960% APR (source: RateVerdict Michigan rate table, as of November 11, 2026, 12:05 PM ET).
What loan do these November 11 figures assume?
Every figure in this post is for one sample loan: a $400,000 30-year fixed refinance in Michigan with a credit score of 780 or higher, priced at 12:05 PM ET on November 11, 2026. A different balance, credit range or purpose will price differently. The rate tool on this site prices your own numbers (source: RateVerdict Michigan rate table).
If a price held from one day to the next, will it hold tomorrow?
There is no way to know from the table. Each snapshot is the price on its date for one named loan, not a forecast. If you want to keep a price, ask your lender about a rate lock and get the terms in writing.
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 11, 2026, 12:05 PM ET
- RateVerdict, Michigan mortgage rate historyas of November 10 and November 11, 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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