Editorial policy

How we report, score, and correct

Rate data

Our weekly table reflects rates posted or quoted by Michigan lenders for a standardized borrower: 740+ FICO, 20% down, single-family primary residence, 30-day lock. We benchmark against the Freddie Mac Primary Mortgage Market Survey. Rates are averages for comparison — never a quote you can demand from a lender.

Lender scores

Scores weight pricing (40%), product range (20%), closing speed (20%), and borrower experience (20%, including CFPB complaint ratios normalized by origination volume). Lenders cannot pay to be reviewed, to improve a score, or to remove a review. We re-score twice a year and date every review.

Sources

Program details cite the administering agency: MSHDA for state programs, HUD for FHA limits, the VA for funding fees, county registers for recording costs. Where we estimate (property taxes, insurance), we say so on the page.

AI assistance

Drafting tools may assist research and first drafts. Every published number, program rule, and lender fact is verified by a human editor against a primary source before publication — and the editor, not the tool, is accountable for it.

Corrections

Errors are corrected within two business days of verification and annotated on the page. Report one: [email protected].