Largest lenders in Washtenaw County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 832 | 608 | 15.8% | 6.75% |
| 2 | United Shore Financial Services | B | 683 | 548 | 8.5% | 6.50% |
| 3 | University of Michigan Credit Union | A | 619 | 438 | 3.9% | 7.50% |
| 4 | The Huntington National Bank | D | 557 | 302 | 26.8% | 7.44% |
| 5 | Lake Michigan Credit Union | A | 424 | 327 | 4.0% | 6.37% |
| 6 | Triad Financial Services | D | 414 | 70 | 59.7% | 8.49% |
| 7 | Dfcu Financial | B | 328 | 232 | 11.3% | 6.25% |
| 8 | Gold Star Mortgage Financial Group | C | 320 | 231 | 0.6% | 6.63% |
| 9 | First Merchants Bank | C | 315 | 223 | 6.0% | 6.50% |
| 10 | University Bank | A | 279 | 220 | 2.9% | 6.63% |
| 11 | Bank of America | F | 260 | 137 | 23.1% | 5.99% |
| 12 | 21st Mortgage | F | 246 | 50 | 54.5% | 11.09% |
| 13 | Staunton Financial | B | 239 | 219 | 2.1% | 6.50% |
| 14 | Old National Bank | B | 238 | 185 | 9.7% | 6.25% |
| 15 | JPMorgan Chase Bank | B | 226 | 150 | 9.7% | 6.49% |
| 16 | PNC Bank | D | 222 | 147 | 20.7% | 7.36% |
| 17 | Citizens Bank | C | 184 | 124 | 17.9% | 7.40% |
| 18 | Crosscountry Mortgage | B | 172 | 102 | 4.7% | 6.88% |
| 19 | Fifth Third Bank | D | 159 | 68 | 31.5% | 7.81% |
| 20 | Newrez | D | 159 | 50 | 17.0% | 6.99% |
| 21 | The Dart Bank | B | 153 | 116 | 3.3% | 6.75% |
| 22 | Pulte Mortgage | A | 135 | 98 | 5.2% | 6.38% |
| 23 | Bank of Ann Arbor | B | 109 | 76 | 2.8% | — |
| 24 | Credit Union One | D | 109 | 65 | 18.4% | 7.99% |
| 25 | Coastal Community Bank | C | 106 | 27 | 0.0% | 10.74% |
Best approval odds in Washtenaw County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Coastal Community Bank | 73 | 0.0% |
| 2 | Gold Star Mortgage Financial Group | 261 | 0.8% |
| 3 | M/i Financial | 79 | 1.3% |
| 4 | Staunton Financial | 226 | 2.2% |
| 5 | Union Home Mortgage | 72 | 2.8% |
| 6 | Mortgage 1 | 66 | 3.0% |
| 7 | University Bank | 229 | 3.5% |
| 8 | Bank of Ann Arbor | 84 | 3.6% |
| 9 | The Dart Bank | 123 | 4.1% |
| 10 | University of Michigan Credit Union | 518 | 4.6% |
What Washtenaw County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Washtenaw County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 9,654 | 5,746 | 18.2% | 6.99% | $185,000 |
| 2024 | 10,537 | 6,222 | 18.4% | 6.99% | $205,000 |
| 2025 | 11,705 | 7,140 | 16.3% | 6.72% | $215,000 |
Frequently asked questions
16.3% of applications in Washtenaw County were denied in 2025, against 18.5% statewide in Michigan.
Rocket Mortgage, with 832 applications in 2025 and a denial rate of 15.8%.
The median mortgage application in Washtenaw County in 2025 was for $215,000; the median property value on originated loans was $445,000.