Mortgage Lenders and Brokers in Ruby, Michigan
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Ruby, Michigan mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA455 Ada Dr Se, Ada, MI 49301A+5.0 ★Texas Ratio: 3.68%, Huntington National BankHuntington National Bank202 W Maumee St, Adrian, MI 49221A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association475 Ada Drive, Ada Township, MI 49301A+5.0 ★Texas Ratio: 3.22%, Thumb Bank & TrustThumb Bank & Trust2543 S Sherman Rd, Applegate, MI 48401A+5.0 ★Texas Ratio: 0.17%, Michigan Schools and GovernmenMichigan Schools and Governmen2151 W Stadium Blvd, Ann Arbor, MI 48103 4543A+5.0 ★Texas Ratio: 3.99%, Flagstar Bank NAFlagstar Bank NA3233 Fairlane Dr, Allen Park, MI 48101D3.3 ★Texas Ratio: 35.11%, Bank of America NABank of America NA395 Briarwood Cir, Ann Arbor, MI 48108A+5.0 ★Texas Ratio: 4.14%, ChoiceOne BankChoiceOne Bank5515 Van Dyke Rd, Almont, MI 48003A+5.0 ★Texas Ratio: 5.45%, Advia Credit UnionAdvia Credit Union2550 Capital Ave SW, Battle Creek, MI 49015A+5.0 ★Texas Ratio: 5.38%, and Genisys Credit UnionGenisys Credit Union2100 Executive Hills Dr, Auburn Hills, MI 48326 2947A+5.0 ★Texas Ratio: 5.37%. 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 Ruby, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ruby 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 Ruby, Michigan
Market share is the lender's share of all home loans closed in Ruby, 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 |
|---|---|---|---|---|---|---|
|
455 Ada Dr Se, Ada, MI 49301 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 8.2% | 100% | $167,500 | View |
|
202 W Maumee St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 1 +3 HELOCs |
2% | 100% | $145,000 | View |
|
475 Ada Drive, Ada Township, MI 49301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
2% | 33.3% | $255,000 | View |
|
2543 S Sherman Rd, Applegate, MI 48401 A+5.0 ★Texas Ratio: 0.17% |
Conventional | 1 | 2% | 100% | $525,000 | View |
|
2151 W Stadium Blvd, Ann Arbor, MI 48103 4543 A+5.0 ★Texas Ratio: 3.99% |
Conventional | 1 | 2% | 100% | $325,000 | View |
|
3233 Fairlane Dr, Allen Park, MI 48101 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 2% | 100% | $255,000 | View |
|
395 Briarwood Cir, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 2% | 100% | $325,000 | View |
|
5515 Van Dyke Rd, Almont, MI 48003 A+5.0 ★Texas Ratio: 5.45% |
Conventional | 1 | 2% | 50% | $55,000 | View |
|
2550 Capital Ave SW, Battle Creek, MI 49015 A+5.0 ★Texas Ratio: 5.38% |
HELOC | 0 +9 HELOCs |
0% | n/a | View | |
|
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947 A+5.0 ★Texas Ratio: 5.37% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
455 E Eisenhower Pkwy, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
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, VA | 7 | 14.3% | 88.9% | $220,714 | |
Mortgage Center LC
|
Conventional | 4 | 8.2% | 100% | $100,000 | |
Michigan Mutual, Inc
|
Conventional, FHA | 3 | 6.1% | 100% | $151,666 | |
United Wholesale Mortgage
|
Conventional | 2 | 4.1% | 100% | $175,000 | |
Mortgage 1 Incorporated
|
Conventional, FHA | 2 | 4.1% | 100% | $170,000 | |
Ross Mortgage Corporation
|
VA | 1 | 2% | 100% | $285,000 | |
Union Home Mortgage Corp.
|
Conventional, FHA | 6 | 12.2% | 100% | $236,666 | |
Everett Financial, Inc.
|
Conventional, FHA | 2 | 4.1% | 100% | $300,000 | |
Mortgage Research Center
|
VA | 2 | 4.1% | 100% | $275,000 | |
|
A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 2% | 100% | $245,000 | View |
Guaranteed Rate, Inc.
|
FHA | 1 | 2% | 100% | $375,000 | |
Acrisure Mortgage, LLC
|
FHA | 1 | 2% | 100% | $225,000 | |
Equity Prime Mortgage LLC
|
FHA | 1 | 2% | 100% | $325,000 | |
AmeriHome Mortgage Company, LLC
|
VA | 1 | 2% | 100% | $275,000 | |
Pennymac Loan Services LLC
|
VA | 1 | 2% | 100% | $215,000 | |
Planet Home Lending, LLC
|
VA | 1 | 2% | 100% | $215,000 | |
New American Funding, LLC.
|
Conventional | 1 | 2% | 100% | $165,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 2% | 100% | $265,000 | View |
The Loan Store, Inc
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ruby Mortgage Rate Trends
Daily average mortgage rates for Michigan compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Ruby, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Ruby? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ruby in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ruby, MI
Use these to narrow the list above. Each category shows how many Ruby, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Ruby, MI
Independent mortgage companies closed 65.3 percent of home loans in Ruby, Michigan in 2025, banks 24.5 percent and credit unions 10.2 percent. Rocket Mortgage was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Michigan Schools and Governmen the largest credit union. Among lenders headquartered in Michigan, Thumb Bank & Trust led with 1 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
Frequently Asked Questions About Mortgage Lenders in Ruby, MI
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Ruby, Michigan with 4 loans, about 8.2 percent of the market. The largest lender headquartered in Michigan was Thumb Bank & Trust with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Ruby, Michigan in 2025, led by Rocket Mortgage with 1. 7 lenders closed VA loans, led by Rocket 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.
Yes. 11 banks and 5 credit unions closed home loans in Ruby, Michigan in 2025, alongside 16 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.
Lenders are ranked only by the number of home loans they closed in Ruby, 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 Ruby, 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 Ruby. 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.
