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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 Conventional Mortgage Bank Lenders in Ann Arbor
Updated February 5, 2026
Market Overview
18
Total Lenders
3,121
Total Loans
0.22%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $727 | +0.025% | 108 | |
2 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,408 | +0.186% | 120 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $531 | +0.141% | 105 | |
4 | The Dart Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,526 | +0.132% | 82 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,044 | +0.004% | 54 | |
6 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$225 | -0.069% | 40 | |
7 | Independent Bank | Exceptional | Strong | Strong | Strong | Strong | $1,021 | +0.278% | 32 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $394 | +0.150% | 18 | |
9 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $763 | -0.132% | 12 | |
10 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,920 | +0.079% | 11 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,323 | +0.096% | 91 | |
12 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $917 | +0.064% | 13 | |
13 | Premier Bank | Strong | Sound | Strong | Strong | Strong | $1,115 | +0.059% | 47 | |
14 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Acceptable | $1,097 | +0.285% | 10 | |
15 | University Bank | Strong | Acceptable | Strong | Strong | Exceptional | $1,799 | +0.286% | 129 | |
16 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,411 | +0.395% | 49 | |
17 | First State Bank | Strong | Sound | Strong | Strong | Sound | $1,861 | +0.239% | 11 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,857 | -0.041% | 14 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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Ann Arbor, MIConventional
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