Pricing Guide · Troy
Mortgage Brokers Cost in Troy, MI — 2026 Price Guide
What should you pay for mortgage brokers in Troy? See real 2026 price ranges from local pros and get free quotes to compare.
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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