Low Cost · Troy
Cheap Mortgage Brokers in Troy, MI — Best Prices
Compare mortgage brokers prices in Troy to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of July 2026, RatingsNearMe ranks 14 mortgage brokers in Troy, MI by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Vema Mortgage LLC with a 5.0-star rating from 1,134 Google reviews and an RNM Score of 88/100. Also in the top tier: Lit Financial and Afex Lending. The average rating across all listed mortgage brokers in Troy is 4.9 stars from 613 reviews per business on average.
Mortgage brokers in Troy: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Lend-A-Loan
Lend-A-Loan is consistently top-ranked for its strong reputation, competitive rates, and excellent customer service in the Troy area.
Most Reviewed
Lend-A-Loan
A high number of reviews indicates broad customer experience and trust, helping you gauge service reliability.
When choosing a mortgage broker in Troy, compare loan options and fees from multiple brokers, and read recent reviews to ensure the broker fits your specific financial situation.
Local Market Snapshot
14
Businesses listed
4.9★
Avg rating
613
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by 1,134 clients, this Troy mortgage broker holds a perfect 5.0-star rating.
3250 W Big Beaver Rd Suite 540, Troy, MI 48084, USATrusted by hundreds of local clients, earning a stellar 4.9-star rating.
3221 W Big Beaver Rd, Troy, MI 48084, USAHundreds of 5.0-star Google reviews highlight this Troy mortgage broker's trusted reputation.
2800 Livernois Rd #135, Troy, MI 48083, USAMortgage Brokers Rankings in Troy, MI
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Vema Mortgage LLC3250 W Big Beaver Rd Suite 540, Troy, MI 48084, USA | 5.0★ | 1,134 |
| #2 | Lit Financial3221 W Big Beaver Rd, Troy, MI 48084, USA | 4.9★ | 969 |
| #3 | Afex Lending2800 Livernois Rd #135, Troy, MI 48083, USA | 5.0★ | 799 |
| #4 | Lending Force50 W Big Beaver Rd #300, Troy, MI 48084, USA | 4.8★ | 774 |
| #5 | MortgageUSA, LLC3250 W Big Beaver Rd Suite 342, Troy, MI 48084, USA | 4.9★ | 159 |
| #6 | Nations Mortgage LLC3310 W Big Beaver Rd #300, Troy, MI 48084, USA | 4.9★ | 773 |
| #7 | United Mortgage Lending, LLC - NMLS# 2220134999 W Big Beaver Rd 3rd Floor, Troy, MI 48084, USA | 4.8★ | 651 |
| #8 | Safetrust Mortgage LLC100 E Big Beaver Rd Suite 930B, Troy, MI 48083, USA | 5.0★ | 500 |
| #9 | National Mortgage Funding3310 W Big Beaver Rd Suite 105, Troy, MI 48084, USA | 5.0★ | 294 |
| #10 | Meta Mortgage LLC5600 New King Dr, Troy, MI 48098, USA | 4.9★ | 196 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Troy
Trusted by hundreds of local clients with an exceptional 4.8-star average rating.
50 W Big Beaver Rd #300, Troy, MI 48084, USA
A trusted local mortgage broker with a 4.9-star rating from over 150 reviews.
3250 W Big Beaver Rd Suite 342, Troy, MI 48084, USA
Over 770 Google reviews average a stellar 4.9-star rating for this Troy mortgage broker.
3310 W Big Beaver Rd #300, Troy, MI 48084, USA
Earning a stellar 4.8 stars from over 650 Google reviews.
999 W Big Beaver Rd 3rd Floor, Troy, MI 48084, USA
5.0-star rating from 500 Google reviews in Troy, MI.
100 E Big Beaver Rd Suite 930B, Troy, MI 48083, USA
Troy mortgage broker with a perfect 5.0-star rating from nearly 300 reviews.
3310 W Big Beaver Rd Suite 105, Troy, MI 48084, USA
Troy's top-rated mortgage broker, boasting a 4.9-star average from nearly 200 reviews.
5600 New King Dr, Troy, MI 48098, USA
Troy's top-rated mortgage broker with a perfect 5.0-star score from 677 reviews.
100 E Big Beaver Rd #940, Troy, MI 48083, USA
4.9-star rating from 675 Google reviews, reflecting exceptional client satisfaction.
340 E Big Beaver Rd Bldg. C, Suite #400, Troy, MI 48083, USA
Trusted by over 640 clients with an exceptional 4.9-star Google rating.
1055 W Maple Rd Suite 200, Clawson, MI 48017, USA
Earned a 4.8-star rating from 345 Google reviews, reflecting strong client trust.
1050 Wilshire Dr Suite 300, Troy, MI 48084, USA
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Mortgage Brokers in Troy, MI — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Vema Mortgage LLC | 88/100 | 5.0 ★ | 1,134 |
| 2 | Lit Financial | 87/100 | 4.9 ★ | 969 |
| 3 | Afex Lending | 88/100 | 5.0 ★ | 799 |
| 4 | Lending Force | 85/100 | 4.8 ★ | 774 |
| 5 | MortgageUSA, LLC | 84/100 | 4.9 ★ | 159 |
| 6 | Nations Mortgage LLC | 87/100 | 4.9 ★ | 773 |
| 7 | United Mortgage Lending, LLC - NMLS# 2220134 | 85/100 | 4.8 ★ | 651 |
| 8 | Safetrust Mortgage LLC | 88/100 | 5.0 ★ | 500 |
| 9 | National Mortgage Funding | 88/100 | 5.0 ★ | 294 |
| 10 | Meta Mortgage LLC | 85/100 | 4.9 ★ | 196 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Troy
What does a mortgage broker do differently than going directly to a bank in Troy?
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 Troy?
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: July 4, 2026.
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