Licensed · Troy
Licensed & Insured Mortgage Brokers in Troy, 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 14 mortgage brokers in Troy, MI by verified customer ratings and review volume. The highest-rated is Vema Mortgage LLC with a 5.0-star rating from 1,134 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
14
Businesses listed
4.9★
Avg rating
613
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Vema Mortgage LLC
3250 W Big Beaver Rd Suite 540, Troy, MI 48084, USA
Lit Financial
3221 W Big Beaver Rd, Troy, MI 48084, USA
Afex Lending
2800 Livernois Rd #135, Troy, MI 48083, USA
Mortgage 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 | Nations Mortgage LLC3310 W Big Beaver Rd #300, Troy, MI 48084, USA | 4.9★ | 773 |
| #5 | Lending Force50 W Big Beaver Rd #300, Troy, MI 48084, USA | 4.8★ | 774 |
| #6 | United Mortgage Lending, LLC - NMLS# 2220134999 W Big Beaver Rd 3rd Floor, Troy, MI 48084, USA | 4.8★ | 651 |
| #7 | Safetrust Mortgage LLC100 E Big Beaver Rd Suite 930B, Troy, MI 48083, USA | 5.0★ | 500 |
| #8 | National Mortgage Funding3310 W Big Beaver Rd Suite 105, Troy, MI 48084, USA | 5.0★ | 294 |
| #9 | MortgageUSA, LLC3250 W Big Beaver Rd Suite 342, Troy, MI 48084, USA | 4.9★ | 159 |
| #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 May 2026
All Mortgage Brokers in Troy
Nations Mortgage LLC
3310 W Big Beaver Rd #300, Troy, MI 48084, USA
Lending Force
50 W Big Beaver Rd #300, Troy, MI 48084, USA
United Mortgage Lending, LLC - NMLS# 2220134
999 W Big Beaver Rd 3rd Floor, Troy, MI 48084, USA
Safetrust Mortgage LLC
100 E Big Beaver Rd Suite 930B, Troy, MI 48083, USA
National Mortgage Funding
3310 W Big Beaver Rd Suite 105, Troy, MI 48084, USA
MortgageUSA, LLC
3250 W Big Beaver Rd Suite 342, Troy, MI 48084, USA
Meta Mortgage LLC
5600 New King Dr, Troy, MI 48098, USA
Mortgage One Funding
1055 W Maple Rd Suite 200, Clawson, MI 48017, USA
C4D MORTGAGE
100 E Big Beaver Rd #940, Troy, MI 48083, USA
Lend-A-Loan
340 E Big Beaver Rd Bldg. C, Suite #400, Troy, MI 48083, USA
Ease Mortgage
1050 Wilshire Dr Suite 300, Troy, MI 48084, USA
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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: May 17, 2026.
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