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Mortgage Lenders and Brokers in Ann Arbor, Michigan

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Ann Arbor, Michigan mortgage lenders include University BankUniversity Bank2015 Washtenaw Ave, Ann Arbor, MI 48104A+5.0 ★Texas Ratio: 3.82%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1501 E Stadium Blvd, Ann Arbor, MI 48104A+5.0 ★Texas Ratio: 3.68%, University of Michigan Credit UnionUniversity of Michigan Credit Union340 E Huron St, Ann Arbor, MI 48104A+5.0 ★Texas Ratio: 5.54%, First Merchants BankFirst Merchants Bank3930 S State Rd, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.12%, Old National BankOld National Bank2723 S State St, Ann Arbor, MI 48104A+5.0 ★Texas Ratio: 4.98%, Bank of Ann ArborBank of Ann Arbor125 S 5th Ave, Ann Arbor, MI 48104A+5.0 ★Texas Ratio: 1.88%, Huntington National BankHuntington National Bank616 E Liberty St, Ann Arbor, MI 48104A+5.0 ★Texas Ratio: 3.66%, Bank of America NABank of America NA395 Briarwood Cir, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.14%, PNC Bank N.A.PNC Bank N.A.101 S Main St, Ann Arbor, MI 48104A+5.0 ★Texas Ratio: 4.24%, and Flagstar Bank NAFlagstar Bank NA210 W Huron St, Ann Arbor, MI 48104D3.3 ★Texas Ratio: 35.11%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Ann Arbor, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ann Arbor are listed first, then lenders elsewhere in Michigan, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Ann Arbor, Michigan

Market share is the lender's share of all home loans closed in Ann Arbor, Michigan. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
University Bank 2015 Washtenaw Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.82%	Conventional, FHA, VA, Jumbo	61	4.5%	98.4%	$398,442	View
JPMorgan Chase Bank, NA 6 offices in Ann Arbor 1501 E Stadium Blvd, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	59 +5 HELOCs	4.4%	93.7%	$407,203	View
University of Michigan Credit Union 340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54%	Conventional, HELOC	50 +130 HELOCs	3.7%	95.2%	$308,600	View
First Merchants Bank 3 offices in Ann Arbor 3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12%	Conventional, Jumbo, HELOC	47 +16 HELOCs	3.5%	100%	$515,638	View
Old National Bank 2 offices in Ann Arbor 2723 S State St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.98%	Conventional, Jumbo, HELOC	46 +16 HELOCs	3.4%	100%	$471,304	View
Bank of Ann Arbor 3 offices in Ann Arbor 125 S 5th Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 1.88%	Conventional, Jumbo	39	2.9%	93.2%	$532,179	View
Huntington National Bank 4 offices in Ann Arbor 616 E Liberty St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo, HELOC	35 +53 HELOCs	2.6%	92.3%	$552,714	View
Bank of America NA 2 offices in Ann Arbor 395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	27 +16 HELOCs	2%	96.4%	$564,629	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 4 offices in Ann Arbor 101 S Main St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	10 +40 HELOCs	0.7%	83.3%	$453,000	View
Flagstar Bank NA 3 offices in Ann Arbor 210 W Huron St, Ann Arbor, MI 48104 D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, Jumbo, HELOC	10 +2 HELOCs	0.7%	54.5%	$705,000	View
Northstar Bank 1 office in Ann Arbor 3040 Lohr Road, Ann Arbor, MI 48108 A5.0 ★Texas Ratio: 12.49%	Conventional, Jumbo	8	0.6%	100%	$700,000	View
Fifth Third Bank, National Association 4 offices in Ann Arbor 2090 W Stadium Blvd, Ann Arbor, MI 48103 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	6 +14 HELOCs	0.4%	75%	$545,000	View
Citizens Bank, NA 1 office in Ann Arbor 455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	3 +25 HELOCs	0.2%	100%	$691,666	View
Keybank National Association 3 offices in Ann Arbor 2421 Plymouth Rd, Ann Arbor, MI 48105 A+5.0 ★Texas Ratio: 4.81%	Conventional, Jumbo	3	0.2%	100%	$608,333	View
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA, VA, Jumbo	72	5.3%	100%	$435,277
Lake Michigan Credit Union 3201 S State ST, Ann Arbor, MI 48108	Conventional, Jumbo, HELOC	120 +13 HELOCs	8.9%	96.1%	$578,833
Dart Bank 2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59%	Conventional, Jumbo, HELOC	25 +5 HELOCs	1.8%	96.2%	$469,000	View
DFCU Financial 2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86%	Conventional, HELOC	24 +32 HELOCs	1.8%	89.3%	$324,166	View
Wesbanco Bank, Inc. 300 N Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.87%	Conventional, HELOC	9 +2 HELOCs	0.7%	100%	$502,777	View
Independent Bank 1004 W Midland Rd, Auburn, MI 48611 A5.0 ★Texas Ratio: 6.46%	Conventional, HELOC	8 +5 HELOCs	0.6%	88.9%	$283,750	View
Michigan Schools and Governmen 2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99%	Conventional, HELOC	7 +4 HELOCs	0.5%	77.8%	$260,714	View
Lake Trust Credit Union ★ 1 stars, 1 review 2222 Packard St, Ann Arbor, MI 48104 6368 A5.0 ★Texas Ratio: 6.91%	Conventional, HELOC	7 +4 HELOCs	0.5%	36.8%	$63,571	View
Wells Fargo Bank NA 34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36%	Conventional	6	0.4%	85.7%	$435,000	View
Michigan Educational Credit Union 4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03%	Conventional, HELOC	5 +13 HELOCs	0.4%	71.4%	$141,000	View
Genisys Credit Union 2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37%	Conventional, Jumbo, HELOC	5 +4 HELOCs	0.4%	83.3%	$771,000	View
Dow Credit Union 600 E Lyon Rd, Midland, MI 48640 5396	Conventional	5	0.4%	100%	$49,000
Superior National Bank 201 S Superior Ave, Baraga, MI 49908 A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	4	0.3%	100%	$447,500	View
Credit Union One 2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54%	Conventional, HELOC	3 +13 HELOCs	0.2%	80%	$35,000	View
Dort Financial Credit Union 5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$340,000	View
Michigan First Credit Union 20645 Gibraltar Rd, Brownstown Twp, MI 48183 A+5.0 ★Texas Ratio: 4.92%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$180,000	View
First State Bank 53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84%	Conventional	2	0.1%	100%	$205,000	View
Michigan Columbus FCU 30419 6 Mile Rd, Livonia, MI 48152 3460 A+5.0 ★Texas Ratio: 2.09%	Conventional	2	0.1%	100%	$65,000	View
Public Service Credit Union 3044 W Grand Blvd Ste L 350, Detroit, MI 48202 3142 A+5.0 ★Texas Ratio: 5.17%	Conventional	2	0.1%	100%	$110,000	View
First Independence Bank 7310 Woodward Ave, Detroit, MI 48202 A+5.0 ★Texas Ratio: 4.91%	Conventional	2	0.1%	100%	$400,000	View
Towne Mortgage Company 2400 Green Rd, Ann Arbor, MI 48105 1550 A+5.0 ★Texas Ratio: 2.54%	Conventional	2	0.1%	100%	$480,000	View
Financial Plus Credit Union 4129 N Euclid Ave, Bay City, MI 48706	Conventional	2	0.1%	100%	$115,000
Lafcu 1553 Lansing Rd, Charlotte, MI 48813 A+5.0 ★Texas Ratio: 1.86%	Conventional	2	0.1%	100%	$135,000	View
Team One Credit Union 499 BRICK ST, BAD AXE, MI 48413 A+5.0 ★Texas Ratio: 4.14%	Conventional	2	0.1%	100%	$295,000	View
Comerica Bank 101 N Main St Ste 100, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	1 +16 HELOCs	0.1%	100%	$325,000	View
Community Financial 12483 State St, Atlanta, MI 49709	Conventional, HELOC	1 +4 HELOCs	0.1%	100%	$75,000
Northpointe Bank 3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$485,000	View
Vibe Credit Union 3082 Coolidge Hwy, Berkley, MI 48072 A+5.0 ★Texas Ratio: 5.97%	Conventional	1	0.1%	100%	$435,000	View
Parda Federal Credit Union 2601 Cambridge Ct Ste 210, Auburn Hills, MI 48326 2580 A+5.0 ★Texas Ratio: 2.80%	Conventional	1	0.1%	100%	$35,000	View
Michigan United Credit Union 3501 Hamlin Rd, Auburn Hills, MI 48326 A+5.0 ★Texas Ratio: 0.54%	Conventional	1	0.1%	100%	$165,000	View
United Bank of Michigan 8301 Byron Center Ave Sw, Byron Center, MI 49315 A+5.0 ★Texas Ratio: 0.48%	Conventional	1	0.1%	100%	$215,000	View
Mercantile Bank 230 Woodworth Ave, Alma, MI 48801 A+5.0 ★Texas Ratio: 0.63%	Conventional	1	0.1%	100%	$185,000	View
True Community Credit Union 131 S Main St, Brooklyn, MI 49230 A5.0 ★Texas Ratio: 9.21%	Conventional	1	0.1%	100%	$255,000	View
Member First Mortgage, LLC 650 W 5th St, Clare, MI 48617	Conventional	1	0.1%	100%	$345,000
Southern Michigan Bank & Trust 5350 Beckley Road B Drive North, Battle Creek, MI 49015 A5.0 ★Texas Ratio: 8.82%	Conventional	1	0.1%	100%	$225,000	View
Horizon Bank 144 W Huron Rd, Au Gres, MI 48703 A+5.0 ★Texas Ratio: 4.40%	Conventional, Jumbo	1	0.1%	50%	$1,495,000	View
Loc Credit Union 1025 E Grand River Ave, Brighton, MI 48116 1803 A+5.0 ★Texas Ratio: 1.78%	HELOC	0 +2 HELOCs	0%	n/a		View
Community Choice Credit Union 39440 W 14 Mile Rd, Commerce Township, MI 48390 3907 A+5.0 ★Texas Ratio: 5.61%	HELOC	0 +1 HELOCs	0%	n/a		View
Christian Financial CU 8171 E 10 Mile Rd, Center Line, MI 48015 1449 A+5.0 ★Texas Ratio: 3.21%	HELOC	0 +1 HELOCs	0%	n/a		View
Rocket Mortgage	Conventional, FHA, Jumbo, HELOC	125 +1 HELOCs	9.2%	79.9%	$287,480
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	104 +3 HELOCs	7.7%	94.6%	$406,730
Staunton Financial Inc	Conventional, VA, Jumbo	52	3.8%	98.1%	$348,269
Mortgage Center LC	Conventional, VA	13	1%	100%	$341,923
Mortgage 1 Incorporated	Conventional, Jumbo	9	0.7%	100%	$369,444
Msu Federal Credit Union	Conventional, HELOC	3 +4 HELOCs	0.2%	60%	$415,000
Legacy Mortgage	Conventional	3	0.2%	100%	$278,333
Ross Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$295,000
GreenStone Farm Credit Services	Conventional, Jumbo	2	0.1%	100%	$2,215,000
Bay Equity LLC	Conventional	2	0.1%	100%	$205,000
Uif Corporation	Conventional	2	0.1%	66.7%	$350,000
Success Mortgage Partners, Inc	Conventional	1	0.1%	100%	$375,000
GreenStone Farm Credit Services	Conventional	1	0.1%	100%	$195,000
VanDyk Mortgage Corporation	Conventional	1	0.1%	100%	$355,000
BLG Holdings, LLC	Conventional	1	0.1%	100%	$345,000
The Loan Store, Inc	Conventional, HELOC	25 +1 HELOCs	1.8%	100%	$436,200
Union Home Mortgage Corp.	Conventional, VA, HELOC	18 +1 HELOCs	1.3%	100%	$406,111
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	12 +1 HELOCs	0.9%	92.9%	$681,666	View
Newrez LLC	Conventional	12	0.9%	80%	$349,166
CrossCountry Mortgage, LLC	Conventional, FHA, VA	12	0.9%	100%	$295,000
Nationstar Mortgage	Conventional	12	0.9%	75%	$323,333
Movement Mortgage, LLC	Conventional, HELOC	9 +1 HELOCs	0.7%	100%	$405,000
Pennymac Loan Services LLC	Conventional, FHA, VA	9	0.7%	81.8%	$382,777
Zillow Home Loans, LLC	Conventional, Jumbo	9	0.7%	100%	$338,333
South Metro Federal Credit Uni	Conventional	7	0.5%	100%	$159,285
loanDepot.com LLC	Conventional, HELOC	6 +1 HELOCs	0.4%	63.6%	$378,333
Resicentral LLC	Conventional	6	0.4%	100%	$575,000
New American Funding, LLC.	Conventional	6	0.4%	75%	$240,000
Lakeview Loan Servicing, LLC	Conventional, FHA	5	0.4%	55.6%	$253,000
National Cooperative Bank, N.A. A5.0 ★Texas Ratio: 6.04%	Conventional	5	0.4%	100%	$117,000	View
Tomo Mortgage LLC	Conventional	5	0.4%	100%	$403,000
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, HELOC	4 +2 HELOCs	0.3%	100%	$437,500	View
Spring Eq, LLC	Conventional, HELOC	4 +2 HELOCs	0.3%	45.5%	$80,000
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 0.00%	Conventional	4	0.3%	100%	$367,500	View
Sage Home Loans Corporation	Conventional	4	0.3%	85.7%	$612,500
AmeriHome Mortgage Company, LLC	Conventional, FHA, VA	4	0.3%	100%	$417,500
Toll Brothers Mortgage Company	Conventional	4	0.3%	100%	$702,500
Amerisave Mortgage Company	Conventional	4	0.3%	66.7%	$135,000
First Colony Mortgage Corporat	Conventional	4	0.3%	100%	$325,000
Highlands Residential Mortgage, Ltd.	Conventional	4	0.3%	100%	$327,500
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	4	0.3%	100%	$315,000	View
Mortgage Research Center	VA	4	0.3%	50%	$312,500
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.3%	66.7%	$105,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +4 HELOCs	0.2%	100%	$68,333	View
Navy Federal Credit Union	Conventional, VA, Jumbo, HELOC	3 +3 HELOCs	0.2%	42.9%	$911,666
Triad Financial Services, Inc.	Conventional	3	0.2%	66.7%	$55,000
Homestead Funding Corp.	Conventional	3	0.2%	100%	$318,333
Communityamerica Federal Credit Union	Conventional	3	0.2%	100%	$308,333
Cmg Mortgage Inc	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$705,000
Better Mortgage Corporation	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$480,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.1%	100%	$445,000	View
Ruoff Mortgage Company	Conventional	2	0.1%	80%	$420,000
Guaranteed Rate, Inc.	Conventional	2	0.1%	100%	$230,000
Nbkc Bank	Conventional	2	0.1%	100%	$590,000
Howard Hanna Financial Services, Inc	Conventional	2	0.1%	100%	$340,000
PHH Mortgage Corporation	Conventional	2	0.1%	100%	$565,000
AdvantageFirst Lending Inc	FHA	2	0.1%	100%	$285,000
Real Genius LLC	Conventional	2	0.1%	100%	$365,000
The Anderson Financial Group, Inc.	Conventional	2	0.1%	100%	$225,000
Mutual of Omaha Mortgage	Conventional	2	0.1%	100%	$555,000
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional	2	0.1%	100%	$350,000	View
RBC Bank (Georgia), N.A.	Conventional	2	0.1%	100%	$390,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	2	0.1%	100%	$295,000	View
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.1%	100%	$410,000	View
Wings Financial Credit Union	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$535,000
Arc Home LLC	Conventional	1	0.1%	100%	$235,000
Cornerstone First Mortgage, LLC	VA	1	0.1%	100%	$635,000
Guaranteed Rate Affinity, LLC	Conventional	1	0.1%	100%	$275,000
Goldman Sachs Bank USA A+5.0 ★Texas Ratio: 4.32%	Conventional, Jumbo	1	0.1%	100%	$4,835,000	View
Primelending	Conventional	1	0.1%	50%	$155,000
Affordable Mortgage Advisors	Conventional	1	0.1%	100%	$275,000
Freedom Mortgage Corporation	FHA	1	0.1%	50%	$525,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$485,000
Equity Prime Mortgage LLC	Conventional	1	0.1%	100%	$805,000
Kind Lending, LLC	Conventional	1	0.1%	100%	$765,000
Deephaven Mortgage LLC	Conventional	1	0.1%	50%	$755,000
American Financial Network, Inc.	VA	1	0.1%	100%	$375,000
Pinnacle Bank A+5.0 ★Texas Ratio: 3.04%	Conventional	1	0.1%	100%	$485,000	View
HomeXpress Mortgage Corp.	Conventional	1	0.1%	50%	$415,000
Nqm Funding, LLC	Conventional	1	0.1%	100%	$695,000
Evergreen Bank Group	Conventional	1	0.1%	100%	$45,000
City 1st Mortgage Services, LC	VA, Jumbo	1	0.1%	100%	$1,055,000
Discover Bank	Conventional	1	0.1%	12.5%	$55,000
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$555,000	View
Securitynational Mortgage Company	Conventional	1	0.1%	100%	$285,000
Franklin Mint Federal Credit Union	Conventional	1	0.1%	100%	$145,000
SIRVA Mortgage, Inc.	Conventional	1	0.1%	100%	$775,000
American Internet Mortgage, Inc.	Conventional	1	0.1%	100%	$275,000
Embrace Home Loans, Inc.	Conventional	1	0.1%	100%	$425,000
Provident Funding Associates	Conventional	1	0.1%	50%	$335,000
Academy Bank, N.A. A+5.0 ★Texas Ratio: 5.08%	Conventional	1	0.1%	100%	$605,000	View
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	100%	$505,000
American Pacific Mortgage Corporation	FHA	1	0.1%	100%	$195,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	50%	$445,000	View
Southstate Bank, National Association ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 2.27%	Conventional	1	0.1%	100%	$805,000	View
Digital Federal Credit Union	Conventional	1	0.1%	100%	$135,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	1	0.1%	100%	$655,000	View
Nations Direct Mortgage, LLC	FHA	1	0.1%	100%	$485,000
Fairway Independent Mort Corp	Conventional, Jumbo	1	0.1%	100%	$855,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$225,000
Carrington Mortgage Services LLC	Conventional	1	0.1%	33.3%	$155,000
Civista Bank A+5.0 ★Texas Ratio: 4.72%	Conventional, Jumbo	1	0.1%	100%	$1,145,000	View
Plaza Home Mortgage, Inc	Conventional	1	0.1%	50%	$85,000
Goprime Mortgage, Inc.	VA	1	0.1%	100%	$325,000
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	1	0.1%	100%	$1,005,000	View
Champions Funding, LLC	Conventional	1	0.1%	100%	$285,000
Figure Lending LLC	HELOC	0 +7 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +4 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +2 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Greenstate Credit Union	HELOC	0 +1 HELOCs	0%	0%
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
AmWest Funding Corp	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Elements Financial Federal Cre	HELOC	0 +1 HELOCs	0%	n/a
Sierra Pacific Mortgage Co. Inc	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Notre Dame Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Gte Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Ann Arbor Mortgage Rate Trends

Daily average mortgage rates for Michigan compared with the national average, updated every evening.

30-Year Fixed MI Avg

7.495%

▲ 0.082 vs 7 days ago

15-Year Fixed MI Avg

7.088%

▲ 0.096 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Ann Arbor, Michigan

Looking for mortgage lenders near me or mortgage brokers near me in Ann Arbor? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ann Arbor in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Ann Arbor, MI

Use these to narrow the list above. Each category shows how many Ann Arbor, MI lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 84 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 50 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 40 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 15 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 16 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 32 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MI 56 lenders headquartered in Michigan, the closest thing to a mortgage lender near you

Who Lends in Ann Arbor, MI

Independent mortgage companies closed 44.5 percent of home loans in Ann Arbor, Michigan in 2025, banks 35.1 percent and credit unions 20.5 percent. Gold Star Mortgage Financial Group, Corporation was the largest mortgage company, University Bank the largest bank and University of Michigan Credit Union the largest credit union. Among lenders headquartered in Michigan, University Bank led with 61 loans.

44.5%

Mortgage companies

35.1%

Banks

20.5%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Michigan. State real estate transfer tax of $3.75 per $500 (0.75 percent) plus a county transfer tax of $0.55 per $500 (0.11 percent), customarily paid by the seller. No mortgage recording tax.

More Michigan Mortgage Lender Pages

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Frequently Asked Questions About Mortgage Lenders in Ann Arbor, MI

Who is the largest mortgage lender in Ann Arbor, MI?

By home loans closed in 2025, University Bank was the largest mortgage lender in Ann Arbor, Michigan with 61 loans, about 4.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Ann Arbor, MI have the highest approval rates?

Among lenders with meaningful volume in Ann Arbor, Michigan, Gold Star Mortgage Financial Group, Corporation approved the highest share of completed applications in 2025 at 100 percent, against a 89.7 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Ann Arbor, MI mortgage lenders offer FHA, VA and USDA loans?

15 lenders closed FHA loans in Ann Arbor, Michigan in 2025, led by Rocket Mortgage with 5. 16 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Ann Arbor, MI lender list?

Yes. 50 banks and 40 credit unions closed home loans in Ann Arbor, Michigan in 2025, alongside 84 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Ann Arbor, MI ranked on this page?

Lenders are ranked only by the number of home loans they closed in Ann Arbor, Michigan during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Ann Arbor, Michigan for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Ann Arbor. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.