Top Mortgage Lenders in Ann Arbor, MI

Which mortgage lender in the Ann Arbor, MI area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Ann Arbor, MI area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Ann Arbor, MI area in terms of interest rate is Premier Bank, with an average “Rate Difference” of -0.22%. This means that, comparing similar borrowers, Premier Bank provided a -0.22% lower interest rate for its customers than other lenders in the area. Premier Bank has a market share of 1.6%. On the other hand, the most popular lender in the Ann Arbor, MI area is Quicken Loans, with a larger market share of 15.4%. However, Quicken Loans also tends to be an expensive lender in the area, with an average “Rate Difference” of +0.11% compared to those of other lenders. We recommend shopping around before going with this popular lender.

Our detailed ranking of mortgage lenders in the Ann Arbor, MI area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Ann Arbor, MI is Premier Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Old National Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Huntington National Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Ann Arbor, MI

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Premier Bank-0.22%(4.5)1.61%
Bank of America-0.16%(4.5)2.21%
University of Michigan Credit Union-0.15%(4.5)1.88%
TLC Community Credit Union-0.13%(4.0)0.80%
Old National Bank-0.13%(4.0)4.30%
Ruoff Mortgage-0.12%(4.0)2.02%
Huntington National Bank-0.12%(4.0)3.66%
JPMorgan Chase Bank-0.10%(4.0)4.06%
Provident Funding-0.09%(4.0)0.62%
Credit Union One-0.08%(4.0)0.44%
John Adams Mortgage Company-0.08%(4.0)2.76%
Midwest Loan Services-0.08%(4.0)0.34%
County National Bank-0.07%(4.0)3.64%
Lake Michigan Credit Union-0.07%(4.0)1.82%
Pulte Mortgage LLC-0.07%(4.0)0.67%
MSU Federal Credit Union-0.06%(4.0)0.54%
University Lending Group-0.05%(4.0)2.72%
Fifth Third Bank-0.05%(4.0)1.39%
Comerica Bank-0.05%(3.5)0.44%
Michigan Educational Credit Union-0.04%(3.5)0.35%
KeyBank-0.04%(3.5)1.39%
Navy Federal Credit Union-0.04%(3.5)0.39%
Dart Bank-0.03%(3.5)3.05%
Community Financial Credit Union-0.03%(3.5)0.43%
USAA-0.02%(3.5)0.75%
PNC Bank-0.02%(3.5)2.07%
Caliber Home Loans-0.02%(3.5)1.85%
US Bank-0.02%(3.5)0.41%
Member First Mortgage-0.02%(3.5)0.41%
MiMutual Mortgage-0.01%(3.5)0.70%
TCF Bank-0.01%(3.5)0.69%
Ross Mortgage Corporation-0.01%(3.5)0.31%
loanDepot-0.01%(3.5)1.18%
PennyMac Loan Services-0.00%(3.5)0.32%
Home Point Financial Corporation-0.00%(3.5)0.47%
Michigan First Credit Union-0.00%(3.5)0.34%
Level One Bank0.00%(3.5)2.76%
New American Funding0.00%(3.5)0.74%
Mortgage Center0.01%(3.5)1.09%
Homesite Mortgage0.01%(3.5)0.52%
Independent Bank Michigan0.02%(3.5)1.29%
TBI Mortgage Company0.02%(3.5)0.38%
Cardinal Financial Company0.03%(3.5)0.41%
Carrington Mortgage Services0.04%(3.5)0.56%
DFCU Financial0.04%(3.5)1.10%
Fairway Independent Mortgage Corporation0.05%(3.5)0.46%
Gold Star Mortgage Financial Group0.05%(3.0)3.17%
Wells Fargo Bank0.05%(3.0)1.24%
Movement Mortgage0.06%(3.0)0.41%
Freedom Mortgage Corporation0.06%(3.0)0.47%
Guaranteed Rate0.06%(3.0)1.70%
Mortgage 1 Inc0.07%(3.0)5.00%
Success Mortgage Partners0.08%(3.0)0.30%
Union Home Mortgage0.09%(3.0)1.25%
PrimeLending0.09%(3.0)0.30%
Flagstar Bank0.10%(3.0)4.45%
Quicken Loans0.11%(3.0)15.37%
Academy Mortgage Corporation Utah0.11%(3.0)0.73%
GVC Mortgage0.12%(3.0)1.64%
Summit Funding Inc0.13%(3.0)0.32%
GreenStone Farm Credit Services0.14%(3.0)0.46%
Amerifirst Home Mortgage0.15%(3.0)0.84%
Mr. Cooper0.23%(2.5)1.16%
Waterstone Mortgage Corporation0.23%(2.5)0.82%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.21%(4.5)2.71%
Premier Bank-0.17%(4.5)1.52%
Huntington National Bank-0.17%(4.5)3.24%
JPMorgan Chase Bank-0.16%(4.5)3.24%
Ruoff Mortgage-0.14%(4.0)2.99%
University of Michigan Credit Union-0.10%(4.0)1.75%
TLC Community Credit Union-0.10%(4.0)0.67%
Provident Funding-0.09%(4.0)0.45%
Old National Bank-0.09%(4.0)3.70%
John Adams Mortgage Company-0.08%(4.0)4.22%
PNC Bank-0.08%(4.0)1.17%
Pulte Mortgage LLC-0.07%(4.0)1.28%
Lake Michigan Credit Union-0.06%(4.0)2.42%
University Lending Group-0.06%(4.0)3.57%
Community Financial Credit Union-0.06%(4.0)0.39%
Fifth Third Bank-0.06%(4.0)1.26%
Midwest Loan Services-0.05%(4.0)0.28%
MSU Federal Credit Union-0.05%(4.0)0.60%
County National Bank-0.05%(3.5)3.24%
Credit Union One-0.04%(3.5)0.19%
Wells Fargo Bank-0.04%(3.5)1.21%
US Bank-0.04%(3.5)0.37%
Navy Federal Credit Union-0.04%(3.5)0.56%
Comerica Bank-0.03%(3.5)0.35%
USAA-0.03%(3.5)1.13%
TCF Bank-0.02%(3.5)0.33%
Dart Bank-0.02%(3.5)3.25%
Mortgage Center-0.01%(3.5)0.80%
MiMutual Mortgage-0.01%(3.5)0.82%
Ross Mortgage Corporation-0.01%(3.5)0.43%
PennyMac Loan Services-0.01%(3.5)0.20%
Mr. Cooper-0.01%(3.5)0.30%
Freedom Mortgage Corporation-0.00%(3.5)0.22%
Michigan Educational Credit Union-0.00%(3.5)0.22%
Home Point Financial Corporation-0.00%(3.5)0.67%
Caliber Home Loans0.00%(3.5)1.95%
Michigan First Credit Union0.00%(3.5)0.45%
New American Funding0.01%(3.5)1.10%
Level One Bank0.02%(3.5)2.77%
Member First Mortgage0.02%(3.5)0.46%
TBI Mortgage Company0.02%(3.5)0.73%
Independent Bank Michigan0.03%(3.5)1.73%
DFCU Financial0.03%(3.5)0.78%
Homesite Mortgage0.03%(3.5)0.63%
KeyBank0.04%(3.5)0.80%
Cardinal Financial Company0.04%(3.5)0.52%
loanDepot0.04%(3.5)0.43%
Fairway Independent Mortgage Corporation0.05%(3.5)0.45%
Carrington Mortgage Services0.05%(3.0)0.24%
Success Mortgage Partners0.06%(3.0)0.39%
Movement Mortgage0.06%(3.0)0.60%
Gold Star Mortgage Financial Group0.06%(3.0)4.67%
Guaranteed Rate0.08%(3.0)2.06%
Union Home Mortgage0.09%(3.0)1.67%
PrimeLending0.10%(3.0)0.50%
Mortgage 1 Inc0.11%(3.0)6.55%
Quicken Loans0.11%(3.0)8.03%
GVC Mortgage0.12%(3.0)2.55%
Flagstar Bank0.12%(3.0)5.93%
GreenStone Farm Credit Services0.14%(3.0)0.41%
Summit Funding Inc0.14%(3.0)0.50%
Academy Mortgage Corporation Utah0.15%(3.0)1.02%
Amerifirst Home Mortgage0.17%(2.5)1.23%
Waterstone Mortgage Corporation0.26%(2.0)1.10%
Lender NameRate DifferenceRate RatingMarket Share
Premier Bank-0.28%(5.0)1.71%
University of Michigan Credit Union-0.20%(4.5)2.03%
TLC Community Credit Union-0.16%(4.5)0.94%
Old National Bank-0.15%(4.5)4.95%
County National Bank-0.10%(4.0)4.07%
Provident Funding-0.09%(4.0)0.80%
Credit Union One-0.09%(4.0)0.72%
Midwest Loan Services-0.09%(4.0)0.40%
Bank of America-0.08%(4.0)1.66%
Lake Michigan Credit Union-0.08%(4.0)1.18%
Huntington National Bank-0.08%(4.0)4.11%
MSU Federal Credit Union-0.08%(4.0)0.48%
John Adams Mortgage Company-0.07%(4.0)1.18%
KeyBank-0.07%(4.0)2.03%
Member First Mortgage-0.07%(4.0)0.36%
Michigan Educational Credit Union-0.06%(4.0)0.48%
Comerica Bank-0.05%(4.0)0.54%
JPMorgan Chase Bank-0.05%(4.0)4.95%
Ruoff Mortgage-0.05%(4.0)0.96%
Fifth Third Bank-0.05%(3.5)1.52%
Caliber Home Loans-0.05%(3.5)1.75%
Dart Bank-0.05%(3.5)2.83%
University Lending Group-0.04%(3.5)1.81%
Navy Federal Credit Union-0.04%(3.5)0.20%
New American Funding-0.03%(3.5)0.36%
Homesite Mortgage-0.03%(3.5)0.40%
Level One Bank-0.02%(3.5)2.75%
MiMutual Mortgage-0.02%(3.5)0.58%
Michigan First Credit Union-0.02%(3.5)0.22%
loanDepot-0.01%(3.5)1.99%
Independent Bank Michigan-0.01%(3.5)0.82%
Ross Mortgage Corporation-0.01%(3.5)0.18%
Mortgage 1 Inc-0.01%(3.5)3.33%
TCF Bank-0.01%(3.5)1.06%
US Bank-0.00%(3.5)0.46%
Home Point Financial Corporation-0.00%(3.5)0.26%
USAA-0.00%(3.5)0.34%
Community Financial Credit Union0.00%(3.5)0.48%
PennyMac Loan Services0.00%(3.5)0.44%
PNC Bank0.00%(3.5)3.05%
Academy Mortgage Corporation Utah0.01%(3.5)0.42%
Gold Star Mortgage Financial Group0.01%(3.5)1.56%
Cardinal Financial Company0.02%(3.5)0.28%
Mortgage Center0.02%(3.5)1.40%
Movement Mortgage0.03%(3.5)0.20%
Guaranteed Rate0.03%(3.5)1.30%
PrimeLending0.03%(3.5)0.08%
Carrington Mortgage Services0.04%(3.5)0.90%
Fairway Independent Mortgage Corporation0.04%(3.5)0.48%
DFCU Financial0.04%(3.5)1.44%
Flagstar Bank0.06%(3.0)2.85%
Amerifirst Home Mortgage0.07%(3.0)0.42%
Summit Funding Inc0.07%(3.0)0.12%
Union Home Mortgage0.07%(3.0)0.80%
Freedom Mortgage Corporation0.08%(3.0)0.74%
Quicken Loans0.11%(3.0)23.29%
Success Mortgage Partners0.13%(3.0)0.20%
GVC Mortgage0.13%(3.0)0.66%
GreenStone Farm Credit Services0.14%(3.0)0.52%
Wells Fargo Bank0.15%(3.0)1.28%
Waterstone Mortgage Corporation0.17%(2.5)0.52%
Mr. Cooper0.27%(2.0)2.09%
Lender NameRate DifferenceRate RatingMarket Share
Premier Bank-0.23%(4.5)2.00%
Bank of America-0.20%(4.5)2.20%
University of Michigan Credit Union-0.16%(4.5)2.21%
Old National Bank-0.14%(4.0)4.54%
TLC Community Credit Union-0.14%(4.0)0.99%
Ruoff Mortgage-0.12%(4.0)1.87%
JPMorgan Chase Bank-0.11%(4.0)4.74%
Provident Funding-0.10%(4.0)0.75%
Huntington National Bank-0.09%(4.0)3.36%
Credit Union One-0.09%(4.0)0.51%
Midwest Loan Services-0.09%(4.0)0.37%
John Adams Mortgage Company-0.08%(4.0)3.21%
Lake Michigan Credit Union-0.08%(4.0)1.97%
County National Bank-0.08%(4.0)4.46%
Pulte Mortgage LLC-0.07%(4.0)0.80%
MSU Federal Credit Union-0.07%(4.0)0.66%
University Lending Group-0.06%(4.0)3.12%
Fifth Third Bank-0.06%(4.0)1.54%
Comerica Bank-0.05%(3.5)0.55%
KeyBank-0.04%(3.5)1.57%
Michigan Educational Credit Union-0.04%(3.5)0.43%
Dart Bank-0.04%(3.5)3.49%
Community Financial Credit Union-0.03%(3.5)0.50%
US Bank-0.02%(3.5)0.45%
Member First Mortgage-0.02%(3.5)0.42%
PNC Bank-0.02%(3.5)2.27%
TCF Bank-0.02%(3.5)0.72%
MiMutual Mortgage-0.02%(3.5)0.73%
Ross Mortgage Corporation-0.01%(3.5)0.28%
New American Funding-0.01%(3.5)0.62%
loanDepot-0.00%(3.5)0.79%
Michigan First Credit Union-0.00%(3.5)0.39%
Level One Bank-0.00%(3.5)3.36%
Home Point Financial Corporation0.00%(3.5)0.47%
Caliber Home Loans0.00%(3.5)1.45%
Mortgage Center0.01%(3.5)1.21%
Homesite Mortgage0.01%(3.5)0.56%
Independent Bank Michigan0.02%(3.5)1.46%
USAA0.02%(3.5)0.41%
TBI Mortgage Company0.02%(3.5)0.36%
PennyMac Loan Services0.02%(3.5)0.19%
Cardinal Financial Company0.04%(3.5)0.16%
DFCU Financial0.04%(3.5)1.36%
Movement Mortgage0.04%(3.5)0.37%
Fairway Independent Mortgage Corporation0.05%(3.0)0.49%
Freedom Mortgage Corporation0.05%(3.0)0.18%
Gold Star Mortgage Financial Group0.06%(3.0)3.22%
Wells Fargo Bank0.06%(3.0)1.28%
Guaranteed Rate0.07%(3.0)1.78%
Mortgage 1 Inc0.07%(3.0)3.97%
Carrington Mortgage Services0.08%(3.0)0.20%
Navy Federal Credit Union0.09%(3.0)0.17%
Success Mortgage Partners0.09%(3.0)0.26%
PrimeLending0.10%(3.0)0.30%
Union Home Mortgage0.10%(3.0)1.21%
Amerifirst Home Mortgage0.12%(3.0)0.62%
Academy Mortgage Corporation Utah0.12%(3.0)0.79%
Flagstar Bank0.13%(3.0)4.08%
Summit Funding Inc0.13%(3.0)0.28%
GreenStone Farm Credit Services0.15%(3.0)0.47%
Quicken Loans0.16%(2.5)14.15%
GVC Mortgage0.16%(2.5)0.83%
Waterstone Mortgage Corporation0.26%(2.0)0.85%
Mr. Cooper0.32%(2.0)0.96%
Lender NameRate DifferenceRate RatingMarket Share
Bank of America-0.26%(5.0)2.72%
JPMorgan Chase Bank-0.18%(4.5)3.82%
Premier Bank-0.17%(4.5)1.97%
Ruoff Mortgage-0.15%(4.0)2.74%
Huntington National Bank-0.11%(4.0)2.84%
University of Michigan Credit Union-0.11%(4.0)2.12%
Old National Bank-0.10%(4.0)3.78%
TLC Community Credit Union-0.10%(4.0)0.87%
Provident Funding-0.10%(4.0)0.55%
John Adams Mortgage Company-0.09%(4.0)5.12%
PNC Bank-0.08%(4.0)1.23%
Pulte Mortgage LLC-0.07%(4.0)1.61%
University Lending Group-0.07%(4.0)4.14%
Lake Michigan Credit Union-0.07%(4.0)2.77%
Midwest Loan Services-0.07%(4.0)0.31%
Fifth Third Bank-0.06%(4.0)1.42%
Community Financial Credit Union-0.06%(4.0)0.51%
MSU Federal Credit Union-0.05%(4.0)0.77%
County National Bank-0.05%(3.5)4.18%
US Bank-0.05%(3.5)0.38%
Wells Fargo Bank-0.04%(3.5)1.20%
Credit Union One-0.04%(3.5)0.24%
Comerica Bank-0.03%(3.5)0.46%
TCF Bank-0.03%(3.5)0.34%
Dart Bank-0.02%(3.5)3.63%
MiMutual Mortgage-0.01%(3.5)0.94%
Mortgage Center-0.01%(3.5)0.87%
Ross Mortgage Corporation-0.01%(3.5)0.38%
Freedom Mortgage Corporation-0.01%(3.5)0.07%
Michigan Educational Credit Union-0.00%(3.5)0.29%
PennyMac Loan Services-0.00%(3.5)0.17%
Home Point Financial Corporation0.00%(3.5)0.65%
New American Funding0.00%(3.5)0.91%
Michigan First Credit Union0.01%(3.5)0.55%
Mr. Cooper0.01%(3.5)0.12%
Level One Bank0.02%(3.5)3.54%
TBI Mortgage Company0.02%(3.5)0.72%
Member First Mortgage0.02%(3.5)0.46%
Independent Bank Michigan0.03%(3.5)2.09%
USAA0.03%(3.5)0.60%
Caliber Home Loans0.03%(3.5)1.68%
DFCU Financial0.03%(3.5)1.01%
Homesite Mortgage0.04%(3.5)0.67%
KeyBank0.04%(3.5)0.87%
loanDepot0.04%(3.5)0.38%
Movement Mortgage0.05%(3.5)0.51%
Cardinal Financial Company0.05%(3.5)0.19%
Fairway Independent Mortgage Corporation0.06%(3.0)0.46%
Success Mortgage Partners0.06%(3.0)0.31%
Gold Star Mortgage Financial Group0.07%(3.0)4.69%
Guaranteed Rate0.09%(3.0)2.12%
Navy Federal Credit Union0.10%(3.0)0.26%
PrimeLending0.11%(3.0)0.51%
Union Home Mortgage0.11%(3.0)1.54%
Mortgage 1 Inc0.12%(3.0)4.76%
Amerifirst Home Mortgage0.14%(3.0)0.89%
GreenStone Farm Credit Services0.15%(3.0)0.46%
Summit Funding Inc0.15%(3.0)0.43%
GVC Mortgage0.17%(2.5)1.11%
Academy Mortgage Corporation Utah0.17%(2.5)1.13%
Quicken Loans0.17%(2.5)7.36%
Flagstar Bank0.17%(2.5)5.44%
Waterstone Mortgage Corporation0.29%(2.0)1.15%
Lender NameRate DifferenceRate RatingMarket Share
Premier Bank-0.28%(5.0)2.03%
University of Michigan Credit Union-0.22%(4.5)2.31%
Old National Bank-0.17%(4.5)5.29%
TLC Community Credit Union-0.16%(4.5)1.12%
Midwest Loan Services-0.10%(4.0)0.43%
County National Bank-0.10%(4.0)4.74%
Lake Michigan Credit Union-0.10%(4.0)1.19%
Credit Union One-0.10%(4.0)0.79%
Bank of America-0.10%(4.0)1.69%
Provident Funding-0.09%(4.0)0.95%
MSU Federal Credit Union-0.08%(4.0)0.55%
John Adams Mortgage Company-0.08%(4.0)1.31%
Member First Mortgage-0.08%(4.0)0.38%
Huntington National Bank-0.08%(4.0)3.88%
KeyBank-0.07%(4.0)2.26%
Ruoff Mortgage-0.06%(4.0)1.00%
JPMorgan Chase Bank-0.06%(4.0)5.65%
Michigan Educational Credit Union-0.06%(4.0)0.57%
Comerica Bank-0.06%(4.0)0.64%
Fifth Third Bank-0.06%(4.0)1.67%
Dart Bank-0.05%(3.5)3.36%
University Lending Group-0.05%(3.5)2.12%
New American Funding-0.05%(3.5)0.33%
Caliber Home Loans-0.04%(3.5)1.22%
Homesite Mortgage-0.03%(3.5)0.45%
Michigan First Credit Union-0.02%(3.5)0.24%
USAA-0.02%(3.5)0.21%
Level One Bank-0.02%(3.5)3.19%
MiMutual Mortgage-0.02%(3.5)0.52%
Independent Bank Michigan-0.02%(3.5)0.83%
loanDepot-0.02%(3.5)1.19%
Mortgage 1 Inc-0.01%(3.5)3.19%
Ross Mortgage Corporation-0.01%(3.5)0.17%
TCF Bank-0.01%(3.5)1.10%
US Bank-0.01%(3.5)0.52%
Home Point Financial Corporation-0.00%(3.5)0.29%
Community Financial Credit Union-0.00%(3.5)0.50%
PNC Bank0.00%(3.5)3.31%
Academy Mortgage Corporation Utah0.00%(3.5)0.45%
Gold Star Mortgage Financial Group0.01%(3.5)1.76%
Cardinal Financial Company0.02%(3.5)0.12%
Navy Federal Credit Union0.02%(3.5)0.07%
Mortgage Center0.02%(3.5)1.55%
Movement Mortgage0.03%(3.5)0.24%
PrimeLending0.03%(3.5)0.10%
Guaranteed Rate0.03%(3.5)1.45%
PennyMac Loan Services0.04%(3.5)0.21%
DFCU Financial0.04%(3.5)1.72%
Fairway Independent Mortgage Corporation0.04%(3.5)0.52%
Flagstar Bank0.05%(3.0)2.74%
Amerifirst Home Mortgage0.06%(3.0)0.36%
Freedom Mortgage Corporation0.07%(3.0)0.29%
Union Home Mortgage0.08%(3.0)0.88%
Summit Funding Inc0.08%(3.0)0.12%
Carrington Mortgage Services0.08%(3.0)0.41%
Success Mortgage Partners0.14%(3.0)0.21%
GVC Mortgage0.15%(3.0)0.55%
GreenStone Farm Credit Services0.15%(2.5)0.48%
Quicken Loans0.16%(2.5)20.87%
Wells Fargo Bank0.16%(2.5)1.36%
Waterstone Mortgage Corporation0.18%(2.5)0.55%
Mr. Cooper0.34%(2.0)1.79%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.27%(5.0)5.80%
Ruoff Mortgage-0.13%(4.0)3.59%
Quicken Loans-0.07%(4.0)24.35%
PNC Bank-0.05%(3.5)0.49%
Lake Michigan Credit Union-0.04%(3.5)0.49%
Old National Bank-0.04%(3.5)1.14%
Caliber Home Loans-0.04%(3.5)4.00%
Fifth Third Bank-0.01%(3.5)0.65%
Mortgage Center-0.01%(3.5)0.82%
Home Point Financial Corporation-0.00%(3.5)0.82%
TCF Bank0.00%(3.5)0.25%
PennyMac Loan Services0.00%(3.5)0.41%
John Adams Mortgage Company0.00%(3.5)0.49%
Midwest Loan Services0.00%(3.5)0.16%
Bank of America0.01%(3.5)0.08%
Ross Mortgage Corporation0.01%(3.5)0.33%
MiMutual Mortgage0.01%(3.5)0.98%
KeyBank0.01%(3.5)0.33%
Flagstar Bank0.02%(3.5)6.94%
Carrington Mortgage Services0.02%(3.5)2.61%
Independent Bank Michigan0.02%(3.5)0.25%
Member First Mortgage0.02%(3.5)0.49%
Michigan First Credit Union0.02%(3.5)0.16%
Fairway Independent Mortgage Corporation0.03%(3.5)0.25%
Academy Mortgage Corporation Utah0.03%(3.5)0.65%
Homesite Mortgage0.03%(3.5)0.41%
Dart Bank0.03%(3.5)1.55%
Level One Bank0.03%(3.5)0.41%
Gold Star Mortgage Financial Group0.03%(3.5)3.76%
PrimeLending0.03%(3.5)0.25%
New American Funding0.04%(3.5)1.55%
Cardinal Financial Company0.05%(3.5)1.88%
University Lending Group0.05%(3.5)0.82%
Guaranteed Rate0.06%(3.0)0.90%
Freedom Mortgage Corporation0.06%(3.0)1.47%
Success Mortgage Partners0.06%(3.0)0.74%
Union Home Mortgage0.07%(3.0)1.80%
Mr. Cooper0.07%(3.0)2.78%
Mortgage 1 Inc0.09%(3.0)12.17%
GVC Mortgage0.10%(3.0)6.45%
Movement Mortgage0.11%(3.0)0.82%
loanDepot0.12%(3.0)1.80%
Waterstone Mortgage Corporation0.13%(3.0)1.06%
Summit Funding Inc0.16%(2.5)0.65%
Amerifirst Home Mortgage0.24%(2.5)2.21%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.35%(5.0)5.74%
Ruoff Mortgage-0.17%(4.5)4.87%
Caliber Home Loans-0.07%(4.0)3.62%
Lake Michigan Credit Union-0.07%(4.0)0.62%
Old National Bank-0.07%(4.0)1.37%
PNC Bank-0.06%(4.0)0.75%
Fifth Third Bank-0.04%(3.5)0.62%
PennyMac Loan Services-0.04%(3.5)0.25%
Mortgage Center-0.03%(3.5)0.62%
Quicken Loans-0.03%(3.5)12.73%
Home Point Financial Corporation-0.02%(3.5)1.12%
Freedom Mortgage Corporation-0.02%(3.5)0.75%
Mr. Cooper-0.02%(3.5)1.25%
Flagstar Bank-0.01%(3.5)9.24%
TCF Bank-0.01%(3.5)0.12%
John Adams Mortgage Company-0.01%(3.5)0.75%
Michigan First Credit Union-0.01%(3.5)0.12%
Bank of America-0.01%(3.5)0.12%
Ross Mortgage Corporation-0.01%(3.5)0.50%
KeyBank-0.01%(3.5)0.37%
Level One Bank-0.00%(3.5)0.25%
Independent Bank Michigan0.00%(3.5)0.37%
Fairway Independent Mortgage Corporation0.00%(3.5)0.12%
MiMutual Mortgage0.01%(3.5)0.62%
Member First Mortgage0.01%(3.5)0.62%
Homesite Mortgage0.01%(3.5)0.50%
Dart Bank0.01%(3.5)2.37%
Academy Mortgage Corporation Utah0.01%(3.5)0.87%
PrimeLending0.02%(3.5)0.37%
Gold Star Mortgage Financial Group0.02%(3.5)5.24%
New American Funding0.02%(3.5)2.00%
University Lending Group0.03%(3.5)1.25%
Cardinal Financial Company0.04%(3.5)2.00%
loanDepot0.04%(3.5)0.50%
Guaranteed Rate0.04%(3.5)1.25%
Carrington Mortgage Services0.05%(3.5)1.25%
Success Mortgage Partners0.05%(3.0)1.00%
Union Home Mortgage0.06%(3.0)2.37%
Mortgage 1 Inc0.09%(3.0)16.60%
GVC Mortgage0.09%(3.0)8.61%
Movement Mortgage0.09%(3.0)1.25%
Waterstone Mortgage Corporation0.13%(3.0)1.25%
Summit Funding Inc0.15%(3.0)1.00%
Amerifirst Home Mortgage0.25%(2.0)2.75%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.12%(4.0)5.91%
Quicken Loans-0.07%(4.0)46.34%
Caliber Home Loans0.01%(3.5)4.73%
Old National Bank0.03%(3.5)0.71%
MiMutual Mortgage0.03%(3.5)1.65%
TCF Bank0.03%(3.5)0.47%
Carrington Mortgage Services0.03%(3.5)5.20%
Gold Star Mortgage Financial Group0.03%(3.5)0.95%
Midwest Loan Services0.04%(3.5)0.47%
Lake Michigan Credit Union0.04%(3.5)0.24%
Mortgage Center0.04%(3.5)1.18%
Member First Mortgage0.04%(3.5)0.24%
Home Point Financial Corporation0.04%(3.5)0.24%
Fifth Third Bank0.04%(3.5)0.71%
Academy Mortgage Corporation Utah0.05%(3.5)0.24%
Union Home Mortgage0.05%(3.5)0.71%
PennyMac Loan Services0.05%(3.0)0.71%
Guaranteed Rate0.05%(3.0)0.24%
KeyBank0.05%(3.0)0.24%
Success Mortgage Partners0.06%(3.0)0.24%
Mortgage 1 Inc0.06%(3.0)3.78%
Fairway Independent Mortgage Corporation0.06%(3.0)0.47%
Cardinal Financial Company0.06%(3.0)1.65%
Homesite Mortgage0.06%(3.0)0.24%
Ruoff Mortgage0.07%(3.0)1.18%
New American Funding0.07%(3.0)0.71%
Level One Bank0.07%(3.0)0.71%
Michigan First Credit Union0.07%(3.0)0.24%
Waterstone Mortgage Corporation0.11%(3.0)0.71%
GVC Mortgage0.12%(3.0)2.36%
Freedom Mortgage Corporation0.12%(3.0)2.84%
Amerifirst Home Mortgage0.13%(3.0)1.18%
Mr. Cooper0.13%(3.0)5.67%
Flagstar Bank0.15%(2.5)2.60%
loanDepot0.17%(2.5)4.26%
Lender NameRate DifferenceRate RatingMarket Share
Old National Bank-0.04%(3.5)17.47%
Bank of America-0.02%(3.5)14.87%
Credit Union One-0.01%(3.5)1.12%
Community Financial Credit Union-0.01%(3.5)1.12%
Wells Fargo Bank-0.01%(3.5)6.69%
KeyBank-0.01%(3.5)2.97%
TCF Bank-0.00%(3.5)0.74%
Provident Funding-0.00%(3.5)0.37%
US Bank-0.00%(3.5)1.49%
PNC Bank0.00%(3.5)4.46%
University of Michigan Credit Union0.00%(3.5)3.72%
Huntington National Bank0.00%(3.5)3.72%
Fifth Third Bank0.00%(3.5)1.49%
loanDepot0.00%(3.5)0.37%
Academy Mortgage Corporation Utah0.00%(3.5)0.37%
MSU Federal Credit Union0.01%(3.5)0.37%
University Lending Group0.01%(3.5)1.12%
Pulte Mortgage LLC0.01%(3.5)0.74%
Lake Michigan Credit Union0.01%(3.5)5.20%
Independent Bank Michigan0.01%(3.5)2.97%
Mortgage 1 Inc0.01%(3.5)0.37%
John Adams Mortgage Company0.02%(3.5)2.60%
Flagstar Bank0.02%(3.5)0.37%
Waterstone Mortgage Corporation0.02%(3.5)0.37%
County National Bank0.02%(3.5)1.49%
Fairway Independent Mortgage Corporation0.02%(3.5)0.74%
Navy Federal Credit Union0.02%(3.5)0.74%
JPMorgan Chase Bank0.03%(3.5)8.92%
TBI Mortgage Company0.03%(3.5)3.35%
Quicken Loans0.04%(3.5)2.60%
Guaranteed Rate0.04%(3.5)3.72%
GreenStone Farm Credit Services0.08%(3.0)3.35%
Lender NameRate DifferenceRate RatingMarket Share
Old National Bank-0.06%(4.0)18.00%
Bank of America-0.01%(3.5)18.67%
Wells Fargo Bank-0.01%(3.5)8.00%
KeyBank0.00%(3.5)2.00%
US Bank0.00%(3.5)2.00%
Lake Michigan Credit Union0.00%(3.5)4.00%
TCF Bank0.00%(3.5)1.33%
Provident Funding0.01%(3.5)0.67%
University of Michigan Credit Union0.01%(3.5)4.00%
Quicken Loans0.01%(3.5)0.67%
Academy Mortgage Corporation Utah0.01%(3.5)0.67%
Fifth Third Bank0.01%(3.5)2.00%
PNC Bank0.01%(3.5)0.67%
University Lending Group0.02%(3.5)2.00%
Pulte Mortgage LLC0.02%(3.5)1.33%
Mortgage 1 Inc0.02%(3.5)0.67%
Independent Bank Michigan0.02%(3.5)1.33%
JPMorgan Chase Bank0.02%(3.5)9.33%
John Adams Mortgage Company0.03%(3.5)3.33%
Waterstone Mortgage Corporation0.03%(3.5)0.67%
Fairway Independent Mortgage Corporation0.03%(3.5)1.33%
Navy Federal Credit Union0.03%(3.5)1.33%
TBI Mortgage Company0.04%(3.5)6.00%
Huntington National Bank0.04%(3.5)2.67%
Guaranteed Rate0.06%(3.0)5.33%
GreenStone Farm Credit Services0.08%(3.0)2.00%
Lender NameRate DifferenceRate RatingMarket Share
Huntington National Bank-0.03%(3.5)5.04%
Old National Bank-0.03%(3.5)16.81%
Credit Union One-0.02%(3.5)2.52%
Community Financial Credit Union-0.02%(3.5)2.52%
KeyBank-0.02%(3.5)4.20%
Guaranteed Rate-0.01%(3.5)1.68%
Bank of America-0.01%(3.5)10.08%
Fifth Third Bank-0.01%(3.5)0.84%
PNC Bank-0.01%(3.5)9.24%
University of Michigan Credit Union-0.01%(3.5)3.36%
loanDepot-0.00%(3.5)0.84%
John Adams Mortgage Company-0.00%(3.5)1.68%
MSU Federal Credit Union-0.00%(3.5)0.84%
Independent Bank Michigan0.00%(3.5)5.04%
US Bank0.00%(3.5)0.84%
Wells Fargo Bank0.01%(3.5)5.04%
Flagstar Bank0.01%(3.5)0.84%
Lake Michigan Credit Union0.01%(3.5)6.72%
County National Bank0.01%(3.5)3.36%
Quicken Loans0.03%(3.5)5.04%
JPMorgan Chase Bank0.04%(3.5)8.40%
GreenStone Farm Credit Services0.07%(3.0)5.04%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.12%(4.0)4.66%
loanDepot-0.10%(4.0)6.41%
Caliber Home Loans-0.08%(4.0)4.27%
USAA-0.06%(4.0)8.54%
Ruoff Mortgage-0.04%(3.5)1.75%
PennyMac Loan Services-0.04%(3.5)2.33%
Lake Michigan Credit Union-0.03%(3.5)0.78%
PNC Bank-0.03%(3.5)1.36%
Old National Bank-0.03%(3.5)1.17%
Bank of America-0.02%(3.5)0.78%
KeyBank-0.02%(3.5)0.19%
Union Home Mortgage-0.02%(3.5)1.36%
Ross Mortgage Corporation-0.02%(3.5)0.97%
Homesite Mortgage-0.01%(3.5)0.39%
Huntington National Bank-0.01%(3.5)3.30%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.39%
Fifth Third Bank-0.01%(3.5)0.58%
John Adams Mortgage Company-0.01%(3.5)0.97%
Wells Fargo Bank-0.01%(3.5)0.78%
Member First Mortgage-0.01%(3.5)0.39%
Summit Funding Inc-0.00%(3.5)0.39%
Independent Bank Michigan0.00%(3.5)0.19%
New American Funding0.00%(3.5)1.17%
TCF Bank0.00%(3.5)1.17%
Cardinal Financial Company0.00%(3.5)1.17%
US Bank0.01%(3.5)0.19%
Academy Mortgage Corporation Utah0.01%(3.5)0.19%
Guaranteed Rate0.01%(3.5)1.17%
Dart Bank0.01%(3.5)0.97%
Midwest Loan Services0.01%(3.5)0.39%
Mortgage 1 Inc0.02%(3.5)6.99%
JPMorgan Chase Bank0.02%(3.5)0.19%
Mr. Cooper0.02%(3.5)1.17%
Mortgage Center0.03%(3.5)0.39%
Flagstar Bank0.03%(3.5)6.60%
Movement Mortgage0.03%(3.5)0.19%
Amerifirst Home Mortgage0.03%(3.5)1.55%
Gold Star Mortgage Financial Group0.04%(3.5)2.72%
Quicken Loans0.05%(3.5)20.58%
Carrington Mortgage Services0.06%(3.0)1.75%
PrimeLending0.06%(3.0)0.58%
University Lending Group0.07%(3.0)1.55%
Freedom Mortgage Corporation0.08%(3.0)3.11%
GVC Mortgage0.10%(3.0)4.27%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.13%(4.0)6.32%
USAA-0.08%(4.0)13.38%
Ruoff Mortgage-0.05%(3.5)2.97%
PNC Bank-0.04%(3.5)1.86%
Huntington National Bank-0.04%(3.5)2.23%
Old National Bank-0.04%(3.5)1.49%
Lake Michigan Credit Union-0.03%(3.5)1.49%
Bank of America-0.02%(3.5)1.49%
KeyBank-0.02%(3.5)0.37%
Union Home Mortgage-0.02%(3.5)2.60%
Wells Fargo Bank-0.02%(3.5)1.12%
TCF Bank-0.01%(3.5)0.37%
Ross Mortgage Corporation-0.01%(3.5)1.12%
Homesite Mortgage-0.01%(3.5)0.74%
Fairway Independent Mortgage Corporation-0.01%(3.5)0.74%
Member First Mortgage-0.01%(3.5)0.37%
John Adams Mortgage Company-0.01%(3.5)1.12%
Caliber Home Loans-0.00%(3.5)2.23%
PennyMac Loan Services-0.00%(3.5)0.74%
Summit Funding Inc-0.00%(3.5)0.37%
Fifth Third Bank0.00%(3.5)0.37%
Independent Bank Michigan0.00%(3.5)0.37%
Mr. Cooper0.00%(3.5)0.37%
New American Funding0.00%(3.5)1.86%
US Bank0.01%(3.5)0.37%
Guaranteed Rate0.01%(3.5)1.86%
loanDepot0.01%(3.5)1.12%
Cardinal Financial Company0.01%(3.5)1.49%
Dart Bank0.01%(3.5)1.86%
Midwest Loan Services0.01%(3.5)0.74%
JPMorgan Chase Bank0.02%(3.5)0.37%
Freedom Mortgage Corporation0.02%(3.5)1.12%
Flagstar Bank0.03%(3.5)7.06%
Mortgage Center0.03%(3.5)0.74%
Quicken Loans0.03%(3.5)8.55%
Movement Mortgage0.03%(3.5)0.37%
Amerifirst Home Mortgage0.04%(3.5)2.60%
Gold Star Mortgage Financial Group0.04%(3.5)5.20%
Mortgage 1 Inc0.05%(3.5)7.43%
Carrington Mortgage Services0.06%(3.0)1.12%
PrimeLending0.06%(3.0)1.12%
University Lending Group0.08%(3.0)2.60%
GVC Mortgage0.10%(3.0)8.18%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.11%(4.0)6.50%
loanDepot-0.11%(4.0)12.20%
Navy Federal Credit Union-0.08%(4.0)2.85%
PennyMac Loan Services-0.05%(3.5)4.07%
Mortgage 1 Inc-0.02%(3.5)6.50%
Old National Bank-0.02%(3.5)0.81%
Ross Mortgage Corporation-0.02%(3.5)0.81%
Fifth Third Bank-0.02%(3.5)0.81%
John Adams Mortgage Company-0.01%(3.5)0.81%
Cardinal Financial Company-0.00%(3.5)0.81%
PNC Bank-0.00%(3.5)0.81%
Summit Funding Inc-0.00%(3.5)0.41%
Member First Mortgage-0.00%(3.5)0.41%
Guaranteed Rate0.00%(3.5)0.41%
Huntington National Bank0.00%(3.5)4.47%
Ruoff Mortgage0.00%(3.5)0.41%
Academy Mortgage Corporation Utah0.01%(3.5)0.41%
University Lending Group0.01%(3.5)0.41%
New American Funding0.01%(3.5)0.41%
TCF Bank0.01%(3.5)2.03%
Amerifirst Home Mortgage0.01%(3.5)0.41%
USAA0.01%(3.5)3.25%
Mr. Cooper0.03%(3.5)2.03%
Wells Fargo Bank0.03%(3.5)0.41%
Flagstar Bank0.04%(3.5)6.10%
Quicken Loans0.05%(3.0)33.74%
Carrington Mortgage Services0.05%(3.0)2.44%
Freedom Mortgage Corporation0.09%(3.0)5.28%

* Data is compiled for the Ann Arbor, MI commuting zone area, which comprises of counties of Hillsdale County, MI, Jackson County, MI, Lenawee County, MI, and Washtenaw County, MI. This includes cities/towns/communities of Ann Arbor, MI as well as Tecumseh, MI, Adrian, MI, Jackson, MI, Dexter, MI, Ypsilanti, MI, Saline, MI, Vandercook Lake, MI, Hillsdale, MI, Grass Lake, MI, Vineyard Lake, MI, Spring Arbor, MI, Chelsea, MI, Blissfield, MI, Napoleon, MI, Michigan Center, MI, Manchester, MI, Concord, MI, Whitmore Lake, MI, Onsted, MI, Milan, MI, Parma, MI, Cement City, MI, Manitou Beach-Devils Lake, MI, Britton, MI, Addison, MI, Springport, MI, Hudson, MI, Clayton, MI, Allen, MI, North Adams, MI, Morenci, MI, Waldron, MI, Jasper, MI, Camden, MI, and Litchfield, MI. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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