Bank of Ann Arbor in Michigan vs the state
4.9%Denial rate-13.62 pts vs state
6.1%Decision denial rate-16.48 pts vs state
72.1%Origination rate+12.17 pts vs state
—Median rate
—Rate spread (pts)
$145kMedian applicant income
147Loans originated
10Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 174 | 144 | 6.3% | 6.50% | #193 |
| 2024 | 154 | 115 | 6.5% | — | #225 |
| 2025 | 204 | 147 | 4.9% | — | #206 |
What Bank of Ann Arbor lends in Michigan
By loan purpose
By loan type
Where in Michigan
Counties with the most Bank of Ann Arbor applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washtenaw County | 109 | 76 | 3 | 2.8% |
| Wayne County | 28 | 22 | 3 | 10.7% |
| Oakland County | 24 | 16 | 2 | 8.3% |
| Livingston County | 17 | 13 | 1 | 5.9% |
| Gladwin County | 4 | 3 | 0 | 0.0% |
| Jackson County | 4 | 3 | 0 | 0.0% |
| Ingham County | 3 | 3 | 0 | 0.0% |
| Macomb County | 3 | 3 | 0 | 0.0% |
| Genesee County | 3 | 2 | 1 | 33.3% |
| Monroe County | 2 | 0 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 204 applications in 2025, of which 147 were originated and 10 denied.
4.9% of all applications, or 6.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bank of Ann Arbor's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology