# Best Mortgage Lenders in Ann Arbor, MI

**As of:** 2026-06-04

Compare the top mortgage lenders in Ann Arbor, MI. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/local/ann-arbor-mi/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 58
- **Total Loans:** 3,121
- **Median Rate Spread:** 0.2171636363636364%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [LAKE MICHIGAN CREDIT UNION](https://saferate.com/lenders/lake-michigan-credit-union) | 87 | 82 | 82 | 97 | $890 | -0.180% | 217 | Credit Union | Direct | — |
| 2 | [Old National Bank](https://saferate.com/lenders/old-national-bank) | 80 | 84 | 70 | 84 | $727 | 0.025% | 108 | Bank | Direct | — |
| 3 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | 77 | 41 | 93 | 99 | $1896 | 0.265% | 323 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 4 | [ROCKET MORTGAGE, LLC](https://saferate.com/lenders/rocket-mortgage) | 75 | 29 | 95 | 100 | $3201 | 0.269% | 347 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Rocket Mortgage directly or with a mortgage broker. |
| 5 | [First Merchants Bank](https://saferate.com/lenders/first-merchants-bank) | 75 | 66 | 71 | 88 | $1408 | 0.186% | 120 | Bank | Direct | — |
| 6 | [STAUNTON FINANCIAL, INC.](https://saferate.com/lenders/staunton-financial) | 74 | 46 | 83 | 94 | $2306 | 0.166% | 151 | Independent Mortgage Company | Direct | — |
| 7 | [University Bank](https://saferate.com/lenders/university-bank) | 74 | 46 | 86 | 91 | $1799 | 0.286% | 129 | Bank | Direct | — |
| 8 | [The Dart Bank](https://saferate.com/lenders/the-dart-bank) | 73 | 63 | 77 | 81 | $1526 | 0.132% | 82 | Bank | Direct | — |
| 9 | [The Huntington National Bank](https://saferate.com/lenders/the-huntington-national-bank) | 72 | 61 | 75 | 81 | $531 | 0.141% | 105 | Bank | Direct | — |
| 10 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 72 | 73 | 75 | 68 | $1044 | 0.004% | 54 | Bank | Direct | — |
| 11 | [UNIVERSITY OF MICHIGAN CREDIT UNION](https://saferate.com/lenders/university-of-michigan-credit-union) | 71 | 91 | 34 | 87 | $434 | 0.077% | 72 | Credit Union | Direct | — |
| 12 | [MICHIGAN SCHOOLS AND GOVERNMENT](https://saferate.com/lenders/michigan-schools-and-government) | 68 | 78 | 70 | 57 | $618 | -0.326% | 23 | Credit Union | Direct | — |
| 13 | [Independent Bank](https://saferate.com/lenders/independent-bank-mi) | 67 | 68 | 70 | 63 | $1021 | 0.278% | 32 | Bank | Direct | — |
| 14 | [Premier Bank](https://saferate.com/lenders/premier-bank) | 66 | 56 | 71 | 71 | $1115 | 0.059% | 47 | Bank | Direct | — |
| 15 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 65 | 49 | 70 | 77 | $1323 | 0.096% | 91 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 16 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | 65 | 71 | 61 | 64 | -$225 (Credit) | -0.069% | 40 | Bank | Direct | — |
| 17 | [MORTGAGE CENTER L.C](https://saferate.com/lenders/mortgage-center-lc) | 65 | 67 | 66 | 61 | $1004 | 0.086% | 27 | Independent Mortgage Company | Direct | — |
| 18 | [GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION](https://saferate.com/lenders/gold-star-mortgage-financial-group) | 64 | 28 | 68 | 95 | $2165 | 0.292% | 184 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Gold Star Mortgage Financial Group, Corporation directly or with a mortgage broker. |
| 19 | [MORTGAGE 1 INCORPORATED](https://saferate.com/lenders/mortgage-1-incorporated) | 64 | 25 | 83 | 85 | $1909 | 0.408% | 106 | Independent Mortgage Company | Direct | — |
| 20 | [M/I FINANCIAL, LLC](https://saferate.com/lenders/mi-financial) | 61 | 38 | 75 | 71 | $3811 | -0.168% | 57 | Independent Mortgage Company | Direct | — |
| 21 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | 61 | 40 | 76 | 67 | $1411 | 0.395% | 49 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with Flagstar Bank, N.A. directly or with a mortgage broker. |
| 22 | [THE LOAN STORE, INC.](https://saferate.com/lenders/the-loan-store) | 60 | 40 | 77 | 65 | $1281 | 0.096% | 44 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 23 | [LOANDEPOT.COM, LLC](https://saferate.com/lenders/loandepotcom) | 59 | 48 | 76 | 53 | $4385 | 0.255% | 23 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Loandepot.Com directly or with a mortgage broker. |
| 24 | [RUOFF MORTGAGE COMPANY, INC.](https://saferate.com/lenders/ruoff-mortgage-company) | 58 | 43 | 75 | 57 | $1610 | 0.302% | 28 | Independent Mortgage Company | Direct | — |
| 25 | [CROSSCOUNTRY MORTGAGE, LLC](https://saferate.com/lenders/crosscountry-mortgage) | 56 | 20 | 76 | 74 | $2515 | 0.678% | 76 | Independent Mortgage Company | Direct | — |
| 26 | [UNION HOME MORTGAGE CORP.](https://saferate.com/lenders/union-home-mortgage) | 56 | 22 | 83 | 63 | $2301 | 0.751% | 40 | Independent Mortgage Company | Direct & Wholesale | Pricing may vary depending on whether you work with Union Home Mortgage Corp. directly or with a mortgage broker. |
| 27 | [RESICENTRAL, LLC](https://saferate.com/lenders/resicentral) | 55 | 57 | 53 | 56 | $1163 | 1.474% | 24 | Independent Mortgage Company | Wholesale | Pricing may vary between mortgage brokers. |
| 28 | [Mortgage Research Center, LLC](https://saferate.com/lenders/mortgage-research-center) | 54 | 34 | 70 | 57 | N/A | N/A | 29 | Independent Mortgage Company | Direct | — |
| 29 | [GreenStone Farm Credit Services, FLCA](https://saferate.com/lenders/greenstone-farm-credit-services-flca) | 48 | 23 | 59 | 63 | N/A | N/A | 29 | Independent Mortgage Company | Direct | — |
| 30 | [DFCU FINANCIAL](https://saferate.com/lenders/dfcu-financial) | 46 | 27 | 43 | 69 | $2267 | 0.238% | 38 | Credit Union | Direct | — |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Ann Arbor, MI.

Our composite Safe Rate Score is derived using a weighted average of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by [PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.