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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Ann Arbor
Updated February 5, 2026
Market Overview
58
Total Lenders
3,121
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | $890 | -0.180% | 217 | |
2 | Old National Bank | Exceptional | Exceptional | Strong | Exceptional | $727 | +0.025% | 108 | |
3 | First Merchants Bank | Exceptional | Strong | Strong | Exceptional | $1,408 | +0.186% | 120 | |
4 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $531 | +0.141% | 105 | |
5 | The Dart Bank | Exceptional | Strong | Strong | Exceptional | $1,526 | +0.132% | 82 | |
6 | UNIVERSITY OF MICHIGAN CREDIT UNION | Exceptional | Exceptional | Acceptable | Exceptional | $434 | +0.077% | 72 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,896 | +0.265% | 323 | |
8 | STAUNTON FINANCIAL, INC. | Strong | Sound | Exceptional | Exceptional | $2,306 | +0.166% | 151 | |
9 | University Bank | Strong | Sound | Exceptional | Exceptional | $1,799 | +0.286% | 129 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,044 | +0.004% | 54 | |
11 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$225 | -0.069% | 40 | |
12 | Independent Bank | Strong | Strong | Strong | Strong | $1,021 | +0.278% | 32 | |
13 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | $1,004 | +0.086% | 27 | |
14 | MICHIGAN SCHOOLS AND GOVERNMENT | Strong | Strong | Strong | Sound | $618 | -0.326% | 23 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,201 | +0.269% | 347 | |
16 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Exceptional | $1,909 | +0.408% | 106 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,323 | +0.096% | 91 | |
18 | Premier Bank | Strong | Sound | Strong | Strong | $1,115 | +0.059% | 47 | |
19 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,165 | +0.292% | 184 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,301 | +0.751% | 40 | |
21 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Sound | $1,610 | +0.302% | 28 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $4,385 | +0.255% | 23 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,515 | +0.678% | 76 | |
24 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $3,811 | -0.168% | 57 | |
25 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,411 | +0.395% | 49 | |
26 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $1,281 | +0.096% | 44 | |
27 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $1,163 | +1.474% | 24 | |
28 | DFCU FINANCIAL | Sound | Acceptable | Sound | Strong | $2,267 | +0.238% | 38 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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