BATTLE CREEK Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Battle Creek averaged
6.98%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.93% and
one month ago for the week of 2025-04-17, the
average rate was 7.25%.
Battle Creek's average rate one year ago was 7.24%.
For refis of the same type during the week of 2025-05-22, the average rate
was 6.84%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Battle Creek 30 Year Fixed Rate | 2025-05-22 | 6.98% |
| Battle Creek 30 Year Fixed Rate Refi | 2025-05-22 | 6.84% |
| Battle Creek 15 Year Fixed Rate | 2025-05-22 | 5.91% |
| Battle Creek 15 Year Fixed Rate Refi | 2025-05-22 | 6.41% |
| Battle Creek 30 Year FHA | 2025-05-22 | 6.98% |
| Battle Creek 30 Year FHA Refi | 2025-05-22 | 6.51% |
| Battle Creek 30 Year USDA | 2025-05-22 | 6.53% |
| Battle Creek 30 Year USDA Refi | 2025-05-22 | 6.43% |
| Battle Creek 30 Year VA | 2025-05-22 | 7.04% |
| Battle Creek 30 Year VA Refi | 2025-05-22 | 6.52% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within BATTLE CREEK, MI.
BATTLE CREEK Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the BATTLE CREEK, MI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
BATTLE CREEK Average Closing Costs & Other Stats
BATTLE CREEK, MI's 106 lenders originated 2,786
loans during 2024. The total origination value was $417,620,000, with an average loan value of
$149,899.
BATTLE CREEK's average closing costs are $4,012.
The top BATTLE CREEK lender as defined by loan originations is QUICKEN LOANS, LLC, with
81 loans originated. Their average total fees are
$5,323, which is $2,712
higher than the next largest lender,
Kellogg Community Credit Union.
The lowest fee BATTLE CREEK lenders (with over 10 loans originated) are
FIRST CHOICE MH LLC ($1,374), MARSHALL COMMUNITY CREDIT UNION ($2,494), Kellogg Community Credit Union ($2,610), Honor Credit Union ($2,619) and RUOFF MORTGAGE COMPANY, INC. ($2,974).
The lowest rate BATTLE CREEK lenders (with over 10 loans originated) are
MORTGAGE CENTER L.C (6.42%), Honor Credit Union (6.46%), RUOFF MORTGAGE COMPANY, INC. (6.50%), MARSHALL COMMUNITY CREDIT UNION (6.55%) and LAKE MICHIGAN CREDIT UNION (6.63%).
BATTLE CREEK, MI Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $24,040,000 | $30,795,000 | 28.1% | 7.4% |
| MARSHALL COMMUNITY CREDIT UNION | $31,270,000 | $23,480,000 | -24.9% | 5.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $13,000,000 | $22,905,000 | 76.2% | 5.5% |
| Kellogg Community Credit Union | $23,015,000 | $22,380,000 | -2.8% | 5.4% |
| Fifth Third Bank | $12,530,000 | $16,405,000 | 30.9% | 3.9% |
| UNION HOME MORTGAGE CORP. | $19,095,000 | $15,995,000 | -16.2% | 3.8% |
| OAK MORTGAGE, LLC | $14,620,000 | $13,825,000 | -5.4% | 3.3% |
| Mortgage Research Center, LLC | $14,485,000 | $13,245,000 | -8.6% | 3.2% |
| The Huntington National Bank | $13,150,000 | $13,080,000 | -0.5% | 3.1% |
| CONSUMERS | $12,045,000 | $10,985,000 | -8.8% | 2.6% |
| GVC MORTGAGE, INC. | $4,695,000 | $10,760,000 | 129.2% | 2.6% |
| Honor Credit Union | $10,790,000 | $9,930,000 | -8.0% | 2.4% |
| LAKE MICHIGAN CREDIT UNION | $8,195,000 | $9,155,000 | 11.7% | 2.2% |
| OMNI Community Credit Union | $8,665,000 | $8,305,000 | -4.2% | 2.0% |
| ADVIA | $4,420,000 | $7,750,000 | 75.3% | 1.9% |
| Flagstar Bank, FSB | $5,705,000 | $7,620,000 | 33.6% | 1.8% |
| MORTGAGE CENTER L.C | $5,060,000 | $6,285,000 | 24.2% | 1.5% |
| SUCCESS MORTGAGE PARTNERS, INC. | $1,870,000 | $5,340,000 | 185.6% | 1.3% |
| Barings Multifamily Capital | $4,805,000 | n/a | 1.2% | |
| SUMMIT HOME MORTGAGE, LLC | $3,285,000 | $4,675,000 | 42.3% | 1.1% |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION | $4,305,000 | $4,040,000 | -6.2% | 1.0% |
| CONTOUR MORTGAGE CORPORATION | $3,665,000 | $4,005,000 | 9.3% | 1.0% |
| Southern Michigan Bank & Trust | $3,260,000 | $3,710,000 | 13.8% | 0.9% |
| Sturgis Bank & Trust Company | $1,900,000 | $3,245,000 | 70.8% | 0.8% |
| GUARANTEED RATE, INC. | $4,955,000 | $3,225,000 | -34.9% | 0.8% |
| FIRST CHOICE MH LLC | $2,835,000 | $2,935,000 | 3.5% | 0.7% |
| MORTGAGE 1 INCORPORATED | $2,980,000 | $2,855,000 | -4.2% | 0.7% |
| ARBOR FINANCIAL CREDIT UNION | $1,765,000 | $2,730,000 | 54.7% | 0.7% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,045,000 | $2,575,000 | 146.4% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $2,090,000 | $2,525,000 | 20.8% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,975,000 | $2,490,000 | 26.1% | 0.6% |
| LOANDEPOT.COM, LLC | $1,755,000 | $2,475,000 | 41.0% | 0.6% |
| RUOFF MORTGAGE COMPANY, INC. | $1,630,000 | $2,465,000 | 51.2% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $2,985,000 | $2,400,000 | -19.6% | 0.6% |
| FIRST COMMUNITY MORTGAGE, INC. | $2,040,000 | $2,320,000 | 13.7% | 0.6% |
| 21ST MORTGAGE CORPORATION | $1,215,000 | $2,290,000 | 88.5% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $1,125,000 | $2,285,000 | 103.1% | 0.5% |
| PNC Bank | $3,255,000 | $2,130,000 | -34.6% | 0.5% |
| GreenStone Farm Credit Services, FLCA | $3,240,000 | $2,110,000 | -34.9% | 0.5% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,575,000 | $2,075,000 | 31.7% | 0.5% |
| MEMBER FIRST MORTGAGE, LLC | $4,195,000 | $2,045,000 | -51.3% | 0.5% |
| GUILD MORTGAGE COMPANY | $675,000 | $2,040,000 | 202.2% | 0.5% |
| USAA Federal Savings Bank | $1,325,000 | $1,980,000 | 49.4% | 0.5% |
| Independent Bank | $3,255,000 | $1,915,000 | -41.2% | 0.5% |
| Plains Commerce Bank | $715,000 | $1,895,000 | 165.0% | 0.5% |
| Comerica Bank | $2,670,000 | $1,860,000 | -30.3% | 0.4% |
| The Dart Bank | $4,390,000 | $1,790,000 | -59.2% | 0.4% |
| LENDINGHOME FUNDING CORPORATION | $435,000 | $1,690,000 | 288.5% | 0.4% |
| Wells Fargo Bank | $835,000 | $1,405,000 | 68.3% | 0.3% |
| NEW DAY FINANCIAL, LLC | $1,340,000 | $1,390,000 | 3.7% | 0.3% |
| NEWREZ LLC | $1,470,000 | $1,360,000 | -7.5% | 0.3% |
| Old National Bank | $3,860,000 | $1,340,000 | -65.3% | 0.3% |
| KALSEE CREDIT UNION | $850,000 | $1,270,000 | 49.4% | 0.3% |
| JPMorgan Chase Bank | $1,460,000 | $1,210,000 | -17.1% | 0.3% |
| County National Bank | $4,620,000 | $1,205,000 | -73.9% | 0.3% |
| Mercantile Bank of Michigan | $685,000 | $1,195,000 | 74.5% | 0.3% |
| Carrington Mortgage Services, LLC | $980,000 | $1,165,000 | 18.9% | 0.3% |
| TOP FLITE FINANCIAL, INC. | $600,000 | $1,105,000 | 84.2% | 0.3% |
| ZILLOW HOME LOANS, LLC | $1,530,000 | $1,085,000 | -29.1% | 0.3% |
| EVERETT FINANCIAL, INC. | $815,000 | $1,060,000 | 30.1% | 0.3% |
| CMG MORTGAGE, INC. | $125,000 | $1,055,000 | 744.0% | 0.3% |
| CARDINAL FINANCIAL | $1,315,000 | $1,045,000 | -20.5% | 0.3% |
| Homestead Savings Bank | $2,605,000 | $1,030,000 | -60.5% | 0.2% |
| Prosperity Home Mortgage, LLC | $505,000 | $985,000 | 95.0% | 0.2% |
| Lake City Bank | $925,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $380,000 | $900,000 | 136.8% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $395,000 | $880,000 | 122.8% | 0.2% |
| U.S. Bank | $150,000 | $855,000 | 470.0% | 0.2% |
| Highpoint Community Bank | $1,345,000 | $805,000 | -40.1% | 0.2% |
| NORTHERN MORTGAGE SERVICES, LLC | $220,000 | $790,000 | 259.1% | 0.2% |
| Waterstone Mortgage Corporation | $605,000 | $775,000 | 28.1% | 0.2% |
| Figure Lending LLC | $305,000 | $750,000 | 145.9% | 0.2% |
| Discover Bank | $730,000 | $735,000 | 0.7% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $620,000 | $725,000 | 16.9% | 0.2% |
| BROKER SOLUTIONS, INC. | $1,860,000 | $725,000 | -61.0% | 0.2% |
| PLANET HOME LENDING, LLC | $175,000 | $720,000 | 311.4% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,535,000 | $715,000 | -53.4% | 0.2% |
| MICHIGAN MUTUAL, INC. | $585,000 | $710,000 | 21.4% | 0.2% |
| STAUNTON FINANCIAL, INC. | $700,000 | n/a | 0.2% | |
| Consumers Professional Credit Union | $495,000 | $680,000 | 37.4% | 0.2% |
| Bank of America | $535,000 | $610,000 | 14.0% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $435,000 | $560,000 | 28.7% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $350,000 | $560,000 | 60.0% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $75,000 | $545,000 | 626.7% | 0.1% |
| The Loan Store, Inc. | $275,000 | $535,000 | 94.5% | 0.1% |
| FIRST COLONY MORTGAGE CORPORATION | $525,000 | n/a | 0.1% | |
| Eaton Community Bank | $505,000 | $520,000 | 3.0% | 0.1% |
| Horizon Bank | $645,000 | $495,000 | -23.3% | 0.1% |
| BETTER MORTGAGE CORPORATION | $225,000 | $475,000 | 111.1% | 0.1% |
| Washington Trust Bank | $475,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $470,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $2,690,000 | $470,000 | -82.5% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $400,000 | $460,000 | 15.0% | 0.1% |
| NexBank | $205,000 | $450,000 | 119.5% | 0.1% |
| JMAC LENDING, INC. | $440,000 | n/a | 0.1% | |
| TLC COMMUNITY Credit Union | $440,000 | n/a | 0.1% | |
| American 1 Credit Union | $125,000 | $425,000 | 240.0% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $425,000 | n/a | 0.1% | |
| UNITED | $520,000 | $420,000 | -19.2% | 0.1% |
| MICHIGAN SCHOOLS AND GOVERNMENT | $65,000 | $415,000 | 538.5% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $405,000 | $405,000 | 0.0% | 0.1% |
| T2 FINANCIAL LLC | $530,000 | $395,000 | -25.5% | 0.1% |
| CREDIT UNION ONE | $145,000 | $390,000 | 169.0% | 0.1% |
| Macatawa Bank | $385,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $1,150,000 | $380,000 | -67.0% | 0.1% |
| DESCO | $375,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $500,000 | $370,000 | -26.0% | 0.1% |
| Notre Dame Federal Credit Union Corporation | $480,000 | $370,000 | -22.9% | 0.1% |
| Leader Bank | $365,000 | n/a | 0.1% | |
| Pacor Mortgage Corp | $430,000 | $360,000 | -16.3% | 0.1% |
| PLUS RELOCATION MORTGAGE, LLC | $355,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $340,000 | n/a | 0.1% | |
| Coastal Community Bank | $465,000 | $340,000 | -26.9% | 0.1% |
| LOANPAL, LLC | $340,000 | n/a | 0.1% | |
| HALLMARK HOME MORTGAGE, LLC | $335,000 | n/a | 0.1% | |
| Texana Bank | $335,000 | n/a | 0.1% | |
| VAN DYK MORTGAGE CORPORATION | $565,000 | $335,000 | -40.7% | 0.1% |
| TOWNE MORTGAGE COMPANY | $405,000 | $330,000 | -18.5% | 0.1% |
| MICHIGAN FIRST CREDIT UNION | $125,000 | $325,000 | 160.0% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $320,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $600,000 | $320,000 | -46.7% | 0.1% |
| The Federal Savings Bank | $310,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $305,000 | n/a | 0.1% | |
| OCMBC, INC. | $380,000 | $300,000 | -21.1% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $295,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $270,000 | $295,000 | 9.3% | 0.1% |
| LENDSURE MORTGAGE CORP. | $285,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $160,000 | $275,000 | 71.9% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $360,000 | $275,000 | -23.6% | 0.1% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $265,000 | n/a | 0.1% | |
| LAFCU | $255,000 | $265,000 | 3.9% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $255,000 | n/a | 0.1% | |
| ALLIED MORTGAGE GROUP, INC. | $245,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $245,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $255,000 | $245,000 | -3.9% | 0.1% |
| STOCKTON MORTGAGE CORPORATION | $245,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $225,000 | n/a | 0.1% | |
| TRISTAR FINANCE, INC. | $225,000 | n/a | 0.1% | |
| PREMIA MORTGAGE, LLC | $215,000 | n/a | 0.1% | |
| TEACHERS CREDIT UNION | $215,000 | n/a | 0.1% | |
| Citibank | $205,000 | n/a | 0.0% | |
| Michigan Educational Credit Union | $155,000 | $205,000 | 32.3% | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | $165,000 | $200,000 | 21.2% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $195,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $330,000 | $195,000 | -40.9% | 0.0% |
| NMSI, INC. | $195,000 | n/a | 0.0% | |
| Northpointe Bank | $2,745,000 | $195,000 | -92.9% | 0.0% |
| Bethpage Federal Credit Union | $185,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $145,000 | $185,000 | 27.6% | 0.0% |
| EQUITY RESOURCES, INC. | $185,000 | n/a | 0.0% | |
| Preston Home Loans Inc | $300,000 | $175,000 | -41.7% | 0.0% |
| LIMA ONE CAPITAL, LLC | $440,000 | $165,000 | -62.5% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $165,000 | n/a | 0.0% | |
| MMS MORTGAGE SERVICES, LTD. | $145,000 | $155,000 | 6.9% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $155,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $155,000 | n/a | 0.0% | |
| HANSCOM | $145,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $145,000 | n/a | 0.0% | |
| MOVEMENT MORTGAGE, LLC | $305,000 | $145,000 | -52.5% | 0.0% |
| The State Bank and Trust Company | $145,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $125,000 | n/a | 0.0% | |
| J. VIRGIL, INC. | $125,000 | n/a | 0.0% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $125,000 | n/a | 0.0% | |
| ChoiceOne Bank | $310,000 | $115,000 | -62.9% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $105,000 | $115,000 | 9.5% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $55,000 | $115,000 | 109.1% | 0.0% |
| USAlliance Federal Credit Union | $75,000 | $115,000 | 53.3% | 0.0% |
| GREENWOOD | $105,000 | n/a | 0.0% | |
| Truist | $105,000 | n/a | 0.0% | |
| Beeline Loans, Inc. | $95,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $95,000 | n/a | 0.0% | |
| Citizens Bank | $570,000 | $85,000 | -85.1% | 0.0% |
| Farmers State Bank | $85,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $85,000 | n/a | 0.0% | |
| University Bank | $85,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $75,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $155,000 | $75,000 | -51.6% | 0.0% |
| COMMUNITY CHOICE CREDIT UNION | $140,000 | $75,000 | -46.4% | 0.0% |
| DEEPHAVEN MORTGAGE LLC | $175,000 | $75,000 | -57.1% | 0.0% |
| Union Bank | $75,000 | n/a | 0.0% | |
| CHARLOTTE METRO FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| DFCU FINANCIAL | $495,000 | $35,000 | -92.9% | 0.0% |
| Lake Trust Credit Union | $15,000 | $35,000 | 133.3% | 0.0% |
| BIRMINGHAM-BLOOMFIELD Credit Union | $25,000 | n/a | 0.0% | |
| Meijer Credit Union | $25,000 | n/a | 0.0% | |
| GREENSTATE CREDIT UNION | $100,000 | $15,000 | -85.0% | 0.0% |
BATTLE CREEK's top lender by overall market share is QUICKEN LOANS, LLC, with 7.4% market share. In second place, with 5.6%, is MARSHALL COMMUNITY CREDIT UNION, having originated $23,480,000 in loans. In third place, with 5.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $22,905,000 in loans. In fourth place, with 5.4%, is Kellogg Community Credit Union, having originated $22,380,000 in loans. In fifth place, with 3.9%, is Fifth Third Bank, having originated $16,405,000 in loans.
BATTLE CREEK Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - BATTLE CREEK (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $95,875 (2.7%) | $156,085 (14.8%) | 0.37 | 391 |
| 2018-02-01 | $95,075 (-4.0%) | $156,867 (13.3%) | 0.36 | 354 |
| 2018-03-01 | $95,000 (-3.2%) | $163,802 (17.0%) | 0.38 | 319 |
| 2018-04-01 | $119,925 (17.6%) | $175,134 (4.0%) | 0.43 | 332 |
| 2018-05-01 | $139,419 (19.7%) | $186,170 (9.7%) | 0.49 | 359 |
| 2018-06-01 | $142,500 (16.4%) | $190,051 (13.2%) | 0.48 | 409 |
| 2018-07-01 | $140,825 (14.6%) | $186,774 (11.7%) | 0.47 | 439 |
| 2018-08-01 | $139,438 (12.5%) | $184,703 (8.7%) | 0.47 | 467 |
| 2018-09-01 | $138,250 (20.2%) | $186,436 (13.6%) | 0.46 | 484 |
| 2018-10-01 | $137,550 (25.1%) | $187,102 (16.3%) | 0.47 | 456 |
| 2018-11-01 | $129,950 (21.5%) | $175,304 (9.6%) | 0.45 | 444 |
| 2018-12-01 | $135,000 (30.6%) | $177,593 (13.6%) | 0.46 | 435 |
| 2019-01-01 | $132,100 (37.8%) | $173,268 (11.0%) | 0.46 | 393 |
| 2019-02-01 | $136,075 (43.1%) | $177,626 (13.2%) | 0.45 | 363 |
| 2019-03-01 | $136,786 (44.0%) | $180,197 (10.0%) | 0.44 | 357 |
| 2019-04-01 | $140,600 (17.2%) | $192,978 (10.2%) | 0.43 | 361 |
| 2019-05-01 | $149,925 (7.5%) | $207,971 (11.7%) | 0.46 | 367 |
| 2019-06-01 | $169,900 (19.2%) | $227,585 (19.8%) | 0.51 | 356 |
| 2019-07-01 | $169,900 (20.7%) | $227,153 (21.6%) | 0.50 | 388 |
| 2019-08-01 | $167,391 (20.1%) | $221,130 (19.7%) | 0.51 | 412 |
| 2019-09-01 | $159,802 (15.6%) | $209,316 (12.3%) | 0.50 | 428 |
| 2019-10-01 | $154,743 (12.5%) | $201,440 (7.7%) | 0.50 | 429 |
| 2019-11-01 | $149,900 (15.4%) | $199,758 (14.0%) | 0.49 | 387 |
| 2019-12-01 | $142,500 (5.6%) | $189,842 (6.9%) | 0.49 | 353 |
| 2020-01-01 | $143,000 (8.3%) | $185,292 (6.9%) | 0.48 | 333 |
| 2020-02-01 | $140,000 (2.9%) | $189,340 (6.6%) | 0.45 | 316 |
| 2020-03-01 | $143,475 (4.9%) | $201,602 (11.9%) | 0.46 | 267 |
| 2020-04-01 | $137,250 (-2.4%) | $197,855 (2.5%) | 0.44 | 262 |
| 2020-05-01 | $149,900 (0.0%) | $207,452 (-0.3%) | 0.46 | 257 |
| 2020-06-01 | $169,950 (0.0%) | $229,279 (0.7%) | 0.51 | 244 |
| 2020-07-01 | $188,775 (11.1%) | $244,345 (7.6%) | 0.55 | 220 |
| 2020-08-01 | $189,900 (13.5%) | $233,224 (5.5%) | 0.56 | 220 |
| 2020-09-01 | $164,675 (3.1%) | $211,454 (1.0%) | 0.47 | 238 |
| 2020-10-01 | $159,900 (3.3%) | $223,960 (11.2%) | 0.46 | 237 |
| 2020-11-01 | $159,925 (6.7%) | $217,594 (8.9%) | 0.46 | 226 |
| 2020-12-01 | $150,550 (5.7%) | $209,228 (10.2%) | 0.45 | 226 |
| 2021-01-01 | $149,900 (4.8%) | $207,567 (12.0%) | 0.46 | 203 |
| 2021-02-01 | $151,625 (8.3%) | $231,970 (22.5%) | 0.45 | 151 |
| 2021-03-01 | $176,900 (23.3%) | $255,642 (26.8%) | 0.48 | 114 |
| 2021-04-01 | $181,225 (32.0%) | $273,770 (38.4%) | 0.48 | 102 |
| 2021-05-01 | $184,950 (23.4%) | $266,593 (28.5%) | 0.47 | 117 |
| 2021-06-01 | $172,425 (1.5%) | $261,163 (13.9%) | 0.43 | 167 |
| 2021-07-01 | $159,900 (-15.3%) | $264,274 (8.2%) | 0.40 | 203 |
| 2021-08-01 | $163,950 (-13.7%) | $250,214 (7.3%) | 0.43 | 225 |
| 2021-09-01 | $155,500 (-5.6%) | $248,653 (17.6%) | 0.42 | 217 |
| 2021-10-01 | $155,000 (-3.1%) | $245,609 (9.7%) | 0.41 | 213 |
| 2021-11-01 | $167,450 (4.7%) | $267,800 (23.1%) | 0.45 | 181 |
| 2021-12-01 | $155,999 (3.6%) | $278,991 (33.3%) | 0.43 | 149 |
| 2022-01-01 | $149,950 (0.0%) | $266,375 (28.3%) | 0.41 | 136 |
| 2022-02-01 | $161,700 (6.6%) | $292,345 (26.0%) | 0.41 | 114 |
| 2022-03-01 | $193,450 (9.4%) | $318,708 (24.7%) | 0.48 | 113 |
| 2022-04-01 | $194,900 (7.6%) | $327,476 (19.6%) | 0.47 | 120 |
| 2022-05-01 | $214,950 (16.2%) | $316,057 (18.6%) | 0.50 | 165 |
| 2022-06-01 | $212,500 (23.2%) | $309,057 (18.3%) | 0.47 | 203 |
| 2022-07-01 | $197,000 (23.2%) | $290,395 (9.9%) | 0.44 | 248 |
| 2022-08-01 | $194,364 (18.6%) | $282,631 (13.0%) | 0.47 | 248 |
| 2022-09-01 | $195,250 (25.6%) | $255,822 (2.9%) | 0.00 | 264 |
| 2022-10-01 | $185,000 (19.4%) | $248,141 (1.0%) | 0.00 | 270 |
| 2022-11-01 | $187,125 (11.8%) | $252,199 (-5.8%) | 0.00 | 277 |
| 2022-12-01 | $189,950 (21.8%) | $244,865 (-12.2%) | 0.00 | 244 |
| 2023-01-01 | $188,225 (25.5%) | $233,361 (-12.4%) | 0.00 | 196 |
| 2023-02-01 | $181,175 (12.0%) | $218,410 (-25.3%) | 0.00 | 167 |
| 2023-03-01 | $194,950 (0.8%) | $266,132 (-16.5%) | 0.00 | 159 |
| 2023-04-01 | $229,950 (18.0%) | $288,671 (-11.9%) | 0.00 | 145 |
| 2023-05-01 | $249,999 (16.3%) | $299,667 (-5.2%) | 0.00 | 165 |
| 2023-06-01 | $243,200 (14.5%) | $301,345 (-2.5%) | 0.00 | 168 |
| 2023-07-01 | $240,000 (21.8%) | $299,069 (3.0%) | 0.00 | 191 |
| 2023-08-01 | $227,450 (17.0%) | $295,742 (4.6%) | 0.00 | 209 |
| 2023-09-01 | $220,000 (12.7%) | $286,637 (12.1%) | 0.00 | 215 |
| 2023-10-01 | $227,450 (23.0%) | $283,830 (14.4%) | 0.00 | 225 |
| 2023-11-01 | $217,450 (16.2%) | $273,100 (8.3%) | 0.00 | 232 |
| 2023-12-01 | $195,000 (2.7%) | $256,206 (4.6%) | 0.00 | 203 |
| 2024-01-01 | $192,000 (2.0%) | $242,606 (4.0%) | 0.00 | 187 |
| 2024-02-01 | $207,975 (14.8%) | $258,066 (18.2%) | 0.00 | 195 |
| 2024-03-01 | $249,900 (28.2%) | $282,869 (6.3%) | 0.00 | 190 |
| 2024-04-01 | $250,380 (8.9%) | $283,051 (-2.0%) | 0.00 | 181 |
| 2024-05-01 | $261,377 (4.6%) | $305,778 (2.0%) | 0.00 | 192 |
| 2024-06-01 | $250,000 (2.8%) | $283,989 (-5.8%) | 0.00 | 231 |
| 2024-07-01 | $253,415 (5.6%) | $297,201 (-0.6%) | 0.00 | 252 |
| 2024-08-01 | $249,900 (9.9%) | $294,766 (-0.3%) | 0.00 | 262 |
| 2024-09-01 | $244,950 (11.3%) | $289,539 (1.0%) | 0.00 | 290 |
| 2024-10-01 | $232,850 (2.4%) | $277,516 (-2.2%) | 0.00 | 301 |
| 2024-11-01 | $219,900 (1.1%) | $268,794 (-1.6%) | 0.00 | 293 |
| 2024-12-01 | $189,700 (-2.7%) | $241,218 (-5.9%) | 0.00 | 259 |
| 2025-01-01 | $189,763 (-1.2%) | $240,991 (-0.7%) | 0.00 | 237 |
| 2025-02-01 | $209,900 (0.9%) | $261,381 (1.3%) | 0.00 | 209 |
| 2025-03-01 | $235,000 (-6.0%) | $274,417 (-3.0%) | 0.00 | 194 |
| 2025-04-01 | $241,450 (-3.6%) | $285,046 (0.7%) | 0.00 | 196 |
BATTLE CREEK's median listing price for 2025-04-01 was $241,450, a difference of
$-8,930
(-3.6%) versus the prior year and
$6,450 versus the prior month.
BATTLE CREEK's median listing price comes in at 0% of the national average.
BATTLE CREEK's average listing price for 2025-04-01 was $285,046, a difference of $1,995 (0.7%) versus the prior year and $10,629 versus the prior month.
For the 2025-04-01 period, BATTLE CREEK had 196 MLS listings, a difference of 2 listings (1%) versus the prior month and 15 listings (8%) versus the prior year.
BATTLE CREEK's median listing price comes in at 0% of the national average.
BATTLE CREEK's average listing price for 2025-04-01 was $285,046, a difference of $1,995 (0.7%) versus the prior year and $10,629 versus the prior month.
For the 2025-04-01 period, BATTLE CREEK had 196 MLS listings, a difference of 2 listings (1%) versus the prior month and 15 listings (8%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - BATTLE CREEK (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 78 days | 1,544 sqft |
| 2018-02-01 | 72 days | 1,572 sqft |
| 2018-03-01 | 61 days | 1,626 sqft |
| 2018-04-01 | 50 days | 1,665 sqft |
| 2018-05-01 | 45 days | 1,726 sqft |
| 2018-06-01 | 42 days | 1,792 sqft |
| 2018-07-01 | 45 days | 1,690 sqft |
| 2018-08-01 | 43 days | 1,706 sqft |
| 2018-09-01 | 45 days | 1,711 sqft |
| 2018-10-01 | 54 days | 1,699 sqft |
| 2018-11-01 | 60 days | 1,641 sqft |
| 2018-12-01 | 69 days | 1,664 sqft |
| 2019-01-01 | 72 days | 1,635 sqft |
| 2019-02-01 | 65 days | 1,597 sqft |
| 2019-03-01 | 57 days | 1,588 sqft |
| 2019-04-01 | 51 days | 1,608 sqft |
| 2019-05-01 | 45 days | 1,621 sqft |
| 2019-06-01 | 50 days | 1,703 sqft |
| 2019-07-01 | 51 days | 1,744 sqft |
| 2019-08-01 | 52 days | 1,771 sqft |
| 2019-09-01 | 52 days | 1,760 sqft |
| 2019-10-01 | 56 days | 1,757 sqft |
| 2019-11-01 | 57 days | 1,678 sqft |
| 2019-12-01 | 68 days | 1,724 sqft |
| 2020-01-01 | 73 days | 1,673 sqft |
| 2020-02-01 | 66 days | 1,620 sqft |
| 2020-03-01 | 62 days | 1,674 sqft |
| 2020-04-01 | 62 days | 1,619 sqft |
| 2020-05-01 | 72 days | 1,679 sqft |
| 2020-06-01 | 58 days | 1,755 sqft |
| 2020-07-01 | 52 days | 1,736 sqft |
| 2020-08-01 | 53 days | 1,654 sqft |
| 2020-09-01 | 49 days | 1,556 sqft |
| 2020-10-01 | 49 days | 1,556 sqft |
| 2020-11-01 | 57 days | 1,556 sqft |
| 2020-12-01 | 60 days | 1,567 sqft |
| 2021-01-01 | 71 days | 1,556 sqft |
| 2021-02-01 | 86 days | 1,556 sqft |
| 2021-03-01 | 84 days | 1,556 sqft |
| 2021-04-01 | 53 days | 1,591 sqft |
| 2021-05-01 | 42 days | 1,616 sqft |
| 2021-06-01 | 34 days | 1,616 sqft |
| 2021-07-01 | 35 days | 1,616 sqft |
| 2021-08-01 | 37 days | 1,585 sqft |
| 2021-09-01 | 46 days | 1,533 sqft |
| 2021-10-01 | 49 days | 1,577 sqft |
| 2021-11-01 | 53 days | 1,613 sqft |
| 2021-12-01 | 61 days | 1,611 sqft |
| 2022-01-01 | 67 days | 1,586 sqft |
| 2022-02-01 | 76 days | 1,527 sqft |
| 2022-03-01 | 59 days | 1,587 sqft |
| 2022-04-01 | 42 days | 1,616 sqft |
| 2022-05-01 | 32 days | 1,609 sqft |
| 2022-06-01 | 35 days | 1,599 sqft |
| 2022-07-01 | 42 days | 1,616 sqft |
| 2022-08-01 | 43 days | 1,597 sqft |
| 2022-09-01 | 0 days | 1,624 sqft |
| 2022-10-01 | 0 days | 1,616 sqft |
| 2022-11-01 | 0 days | 1,565 sqft |
| 2022-12-01 | 0 days | 1,611 sqft |
| 2023-01-01 | 0 days | 1,581 sqft |
| 2023-02-01 | 0 days | 1,616 sqft |
| 2023-03-01 | 0 days | 1,616 sqft |
| 2023-04-01 | 0 days | 1,616 sqft |
| 2023-05-01 | 0 days | 1,616 sqft |
| 2023-06-01 | 0 days | 1,616 sqft |
| 2023-07-01 | 0 days | 1,616 sqft |
| 2023-08-01 | 0 days | 1,554 sqft |
| 2023-09-01 | 0 days | 1,568 sqft |
| 2023-10-01 | 0 days | 1,560 sqft |
| 2023-11-01 | 0 days | 1,540 sqft |
| 2023-12-01 | 0 days | 1,496 sqft |
| 2024-01-01 | 0 days | 1,495 sqft |
| 2024-02-01 | 0 days | 1,487 sqft |
| 2024-03-01 | 0 days | 1,552 sqft |
| 2024-04-01 | 0 days | 1,592 sqft |
| 2024-05-01 | 0 days | 1,616 sqft |
| 2024-06-01 | 0 days | 1,616 sqft |
| 2024-07-01 | 0 days | 1,622 sqft |
| 2024-08-01 | 0 days | 1,674 sqft |
| 2024-09-01 | 0 days | 1,671 sqft |
| 2024-10-01 | 0 days | 1,660 sqft |
| 2024-11-01 | 0 days | 1,627 sqft |
| 2024-12-01 | 0 days | 1,582 sqft |
| 2025-01-01 | 0 days | 1,611 sqft |
| 2025-02-01 | 0 days | 1,626 sqft |
| 2025-03-01 | 0 days | 1,664 sqft |
| 2025-04-01 | 0 days | 1,658 sqft |
BATTLE CREEK's median listing age (time on market) for 2025-04-01 was 0 days.
BATTLE CREEK's median square footage for active listings during the 2025-04-01 period was 1,658 sqft. One year prior, the average listing was 1,592 sqft.
BATTLE CREEK's median square footage for active listings during the 2025-04-01 period was 1,658 sqft. One year prior, the average listing was 1,592 sqft.
BATTLE CREEK, MI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,458 | $257,680,000 | $176,735 |
| Cash Out Refi | 404 | $51,330,000 | $127,054 |
| Refi | 354 | $74,000,000 | $209,040 |
| Home Improvement | 333 | $19,335,000 | $58,063 |
| Other | 237 | $15,275,000 | $64,451 |
Battle Creek's most frequently cited loan purpose was Home Purchase, with 1,458 originations. The 2nd most popular reason was Cash Out Refi, with 404 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,101 | $217,505,000 | $197,552 |
| Over 8% | 682 | $49,540,000 | $72,639 |
| 7-8% | 585 | $84,315,000 | $144,128 |
| 5-6% | 269 | $51,635,000 | $191,952 |
| <2.5% | 18 | $430,000 | $23,889 |
| 4-5% | 17 | $1,925,000 | $113,235 |
| 3-4% | 2 | $320,000 | $160,000 |
During 2024, Battle Creek's most frequently originated rate bucket was 6-7%, with 1,101 originations.
Loan Sizing (BATTLE CREEK, MI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 1,148 | $62,410,000 | $54,364 |
| $100k-200k | 1,013 | $146,445,000 | $144,566 |
| $200k-400k | 564 | $147,600,000 | $261,702 |
| $400k-600k | 51 | $23,325,000 | $457,353 |
| $600k-1000k | 8 | $5,910,000 | $738,750 |
| $Over $1MM | 2 | $31,930,000 | $15,965,000 |
BATTLE CREEK's loan sizing saw the bucket of loans from $100,000 or less with 1,148 originations, totaling $62,410,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,153 | $215,475,000 | $186,882 |
| 60-80% | 495 | $78,925,000 | $159,444 |
| 20-40% | 418 | $28,130,000 | $67,297 |
| Under 20% | 346 | $11,490,000 | $33,208 |
| 40-60% | 219 | $30,965,000 | $141,393 |
| Over 100% | 31 | $32,645,000 | $1,053,065 |
BATTLE CREEK's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,153 originations, totaling $215,475,000 in origination value.