Licensed · Pontiac
Licensed & Insured Mortgage Brokers in Pontiac, MI
Every mortgage brokers listed here carries proper licensing and insurance in MI. Protect yourself — always verify credentials before work begins.
As of May 2026, RatingsNearMe ranks 15 mortgage brokers in Pontiac, MI by verified customer ratings and review volume. The highest-rated is United Wholesale Mortgage (UWM) - Main Campus with a 4.1-star rating from 2,849 verified reviews. Also in the top tier: Align Lending and Opus Home Loans. The average rating across all listed mortgage brokers in Pontiac is 4.7 stars from 230 reviews per business on average.
Mortgage brokers in Pontiac: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
15
Businesses listed
4.7★
Avg rating
230
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
United Wholesale Mortgage (UWM) - Main Campus
585 S Blvd E, Pontiac, MI 48341, USA
Align Lending
2625 Pontiac Lake Rd, Waterford Township, MI 48328, USA
Opus Home Loans
6001 N Adams Rd # 150, Bloomfield Hills, MI 48304, USA
Mortgage Brokers Rankings in Pontiac, MI
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | United Wholesale Mortgage (UWM) - Main Campus585 S Blvd E, Pontiac, MI 48341, USA | 4.1★ | 2,849 |
| #2 | Align Lending2625 Pontiac Lake Rd, Waterford Township, MI 48328, USA | 5.0★ | 112 |
| #3 | Opus Home Loans6001 N Adams Rd # 150, Bloomfield Hills, MI 48304, USA | 5.0★ | 65 |
| #4 | Mortgage Veterans3520 Pontiac Lake Rd, Waterford Township, MI 48328, USA | 5.0★ | 44 |
| #5 | BrokerX585 S Blvd E, Pontiac, MI 48341, USA | 4.5★ | 16 |
| #6 | Range Lending, LLC61 S Squirrel Rd, Auburn Hills, MI 48326, USA | 4.7★ | 72 |
| #7 | Lynn Marie Oates - Mortgage Loan Officer2901 Auburn Rd Suite 200, Auburn Hills, MI 48326, USA | 5.0★ | 56 |
| #8 | Splendor Home Loans2824 Davison Ave, Auburn Hills, MI 48326, USA | 5.0★ | 48 |
| #9 | Endurance Lending Group41000 Woodward Ave Suite 350 East, Bloomfield Hills, MI 48304, USA | 5.0★ | 27 |
| #10 | OWNLAND CAPITAL40900 Woodward Ave #111, Bloomfield Hills, MI 48304, USA | 5.0★ | 39 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Pontiac
Mortgage Veterans
3520 Pontiac Lake Rd, Waterford Township, MI 48328, USA
BrokerX
585 S Blvd E, Pontiac, MI 48341, USA
Range Lending, LLC
61 S Squirrel Rd, Auburn Hills, MI 48326, USA
Lynn Marie Oates - Mortgage Loan Officer
2901 Auburn Rd Suite 200, Auburn Hills, MI 48326, USA
Splendor Home Loans
2824 Davison Ave, Auburn Hills, MI 48326, USA
Endurance Lending Group
41000 Woodward Ave Suite 350 East, Bloomfield Hills, MI 48304, USA
OWNLAND CAPITAL
40900 Woodward Ave #111, Bloomfield Hills, MI 48304, USA
Greg Goddard at CrossCountry Mortgage
43252 Woodward Ave suite #202, Bloomfield Hills, MI 48302, USA
Steve Stork at CrossCountry Mortgage, LLC
43252 Woodward Ave suite #202, Bloomfield Township, MI 48302, USA
St James Mortgage Corporation
42676 Woodward Ave, Bloomfield Hills, MI 48304, USA
Carpe Diem Visions
41000 Woodward Ave Suite 350 East - #4092, Bloomfield Hills, MI 48304, USA
United Wholesale Mortgage (UWM) - South Campus
700 Ring Rd, Pontiac, MI 48341, USA
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Frequently Asked Questions — Mortgage Brokers in Pontiac
What does a mortgage broker do differently than going directly to a bank in Pontiac?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Pontiac?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in MI?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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