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Ann Arbor State Bank Ann Arbor State Bank
125 West William St.
Ann Arbor, MI 48104 (734) 761-1475


Proud to be serving you in Washtenaw & Jackson – (734) 418-0186

Ann Arbor State Bank (NMLS #420032)

If you’re looking to purchase, build, or refinance a home, let Ann Arbor State Bank help you navigate the loan approval process. Our experienced team of professionals are devoted to helping you every step of the way. We offer a number of mortgage options to meet your needs.


Choose your loan program

Purchase or refinance? Learn about our program details and choose a loan that suits you best. Contact one of our loan officers if you’d like us to walk you through the choices we offer.


Call or click

After reviewing our loan programs you’re welcome to fill out our brief online approval request form or give us a call at 734-418-0186 or toll free at 1-844-418-0186. The online form typically takes 15 minutes to submit. It’s a quick and easy way to jumpstart your approval process.



After we receive your loan inquiry online or via telephone we’ll send you the list of items (ie. W2s, pay stubs, bank statements, etc.) we need to fully process your application. To expedite this process we kindly request you submit these documents within 48 hours of your submission. We thrive on in-person meetings, so don’t hesitate to set up a time with a loan officer to review your documents.


Lock in your interest rate

During your application process, Ann Arbor State Bank will order an appraisal on the home you’re purchasing or refinancing. The appraisal can be paid for by check or credit card and is typically the only fee we collect from you until we reach the closing of your loan. When you complete your loan application, you can lock the interest rate on your loan.



Ann Arbor State Bank will take the wheel from here! We collect all third-party items such as the appraisal, title report, and employment verification. Once we determine your loan is “clear to close,” we’ll prepare the documents for you to sign at closing.


Sign on the dotted line

If you’re purchasing a home, you can visit a title company to sign the closing documents. This closing usually involves all parties in the loan transaction. If you’re refinancing, we’ll meet you at the title company to go through all formal documents. The entire closing process usually takes less than 90 minutes.


Funding of Your Loan

For a purchase, Ann Arbor State bank will wire the loan funds to the title company to complete the purchase of your new home on the day of closing. We’ll be there to see you get your keys!  For a refinance, funding takes place three business days after closing. Throughout both these processes we’re there to help facilitate all your questions and concerns.