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Mortgage Brokers · Troy, MI/Updated June 13, 2026

The 9 Best Mortgage Brokers in Troy, MI

Troy's mortgage market is competitive, with nine brokers vying for your business. Here's how to find the right fit for your home financing needs.

Editorially independent9 companies evaluated
cover story
★ Editor's ChoiceMortgagePros
96Score
Latest update · June 13, 2026: Initial ranking published. 9 Troy-metro mortgage brokers businesses evaluated, top 9 ranked by Vetted Score.

Choosing a mortgage broker in Troy can significantly impact your home buying experience. With a competitive field of nine providers, the difference in ratings and reviews is telling. Leading the pack is MortgagePros, boasting an impressive 4.9-star rating from 5,449 reviews. That kind of volume indicates a strong track record, setting a high bar for the rest.

Understanding how to evaluate these providers is essential. We analyzed each broker based on their review counts and ratings, ensuring that the best options rise to the top. Our list reflects the current landscape, with updates made regularly to provide the most accurate insights for you.

9mortgage brokers evaluated in Troy
4.80average rating across the field
10.2Kcustomer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does mortgage brokers cost in Troy? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

MortgagePros

★★★★★4.9(5,449 reviews)

With a stellar rating of 4.9 from 5,449 reviews, MortgagePros is the clear leader in Troy's mortgage broker scene.

Read full review
Best Value
94Score

Lit Financial

★★★★★4.9(1,123 reviews)

Lit Financial also holds an impressive 4.9 rating with 1,123 reviews.

Read full review
Most Reviewed
93Score

National Mortgage Home Loans

★★★★★4.9(821 reviews)

National Mortgage Home Loans has a solid 4.9 rating from 821 reviews.

Read full review

All 9, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
MortgagePros
MortgagePros
Editor's Choice
96Score
4.9★★★★★
5,449Best overall service and customer satisfaction.
2
Lit Financial
Lit Financial
Best Value
94Score
4.9★★★★★
1,123Best value for budget-conscious borrowers.
3
93Score
4.9★★★★★
821Most reviewed and diverse loan options.
4
90Score
4.9★★★★★
813Quick closings and attentive service.
5
89Score
5.0★★★★★
159First-time homebuyers looking for straightforward options.
6
87Score
4.8★★★★★
816Quick pre-approval and accessibility.
7
85Score
4.9★★★★★
146Personalized service for unique financial situations.
8
82Score
4.7★★★★★
799Tailored mortgage solutions.
9
78Score
4.2★★★★★
40Small, personable services.
Methodology

How we evaluated all 9 mortgage brokers.

We assessed the mortgage brokers in Troy by examining their Vetted Scores, which incorporate customer ratings and the number of reviews. This approach ensures a balanced view of each provider's reputation and performance. No business pays for placement in our rankings, allowing for unbiased assessments based solely on customer feedback.

Our evaluation is refreshed monthly to reflect the most current information available. This commitment to accuracy means you can trust our rankings to guide you in finding a reliable mortgage broker that meets your specific needs.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

MortgagePros

★★★★★4.9(5,449 reviews)
96Score

With a stellar rating of 4.9 from 5,449 reviews, MortgagePros is the clear leader in Troy's mortgage broker scene. Clients often highlight their exceptional customer service and responsiveness. They excel in securing competitive rates and personalized solutions for various financial situations. However, their popularity can lead to longer wait times during peak periods.

Pros

  • Exceptional customer service
  • Competitive rates
  • Personalized solutions

Cons

  • Potentially longer wait times
  • High demand may lead to delays
Best forBest overall service and customer satisfaction.
Service areaTroy, MI and surrounding areas.
Typical pricing$1,000 to $3,000 in fees.
2
Best Value

Lit Financial

★★★★★4.9(1,123 reviews)
94Score

Lit Financial also holds an impressive 4.9 rating with 1,123 reviews. Reviewers commend their transparency and efficient processes. They are particularly noted for offering great value on loans, making them a popular choice among budget-conscious buyers. A downside might be their relatively smaller review base compared to top competitors. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is best value for budget-conscious borrowers.. It serves Troy, MI and nearby regions., with $1,000 to $2,500 in fees. pricing, and the honest trade-offs are smaller review base and limited product offerings.

Pros

  • Transparent processes
  • Great value on loans
  • Efficient service

Cons

  • Smaller review base
  • Limited product offerings
Best forBest value for budget-conscious borrowers.
Service areaTroy, MI and nearby regions.
Typical pricing$1,000 to $2,500 in fees.
3
Most Reviewed

National Mortgage Home Loans

★★★★★4.9(821 reviews)
93Score

National Mortgage Home Loans has a solid 4.9 rating from 821 reviews. Clients appreciate their knowledgeable staff and comprehensive mortgage options. They stand out for their extensive range of loan products. However, some clients report slower response times during busy periods, which can be frustrating. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is most reviewed and diverse loan options.. It serves Troy, MI and adjacent areas., with $1,200 to $2,800 in fees. pricing, and the honest trade-offs are slower response times and can be busy during peak seasons.

Pros

  • Knowledgeable staff
  • Wide range of loan products
  • Good customer support

Cons

  • Slower response times
  • Can be busy during peak seasons
Best forMost reviewed and diverse loan options.
Service areaTroy, MI and adjacent areas.
Typical pricing$1,200 to $2,800 in fees.
4

Nations Mortgage LLC

★★★★★4.9(813 reviews)
90Score

Nations Mortgage LLC holds a 4.9 rating with 813 reviews. Clients often praise their attentive service and quick processing times. They are a solid choice for those looking to close deals promptly. However, their slightly less competitive rates compared to others could be a drawback for some borrowers. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is quick closings and attentive service.. It serves Troy, MI and surrounding areas., with $1,000 to $2,500 in fees. pricing, and the honest trade-offs are less competitive rates and limited online resources.

Pros

  • Attentive service
  • Quick processing times
  • Good for fast closings

Cons

  • Less competitive rates
  • Limited online resources
Best forQuick closings and attentive service.
Service areaTroy, MI and surrounding areas.
Typical pricing$1,000 to $2,500 in fees.
5

Best Rate Loan

★★★★★5.0(159 reviews)
89Score

Best Rate Loan shines with a perfect 5.0 rating from 159 reviews. Customers appreciate their straightforward approach and favorable interest rates. They are particularly recommended for first-time homebuyers seeking simplicity. However, their limited number of reviews may not provide a full picture of their services. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is first-time homebuyers looking for straightforward options.. It serves Troy, MI and nearby areas., with $1,000 to $2,000 in fees. pricing, and the honest trade-offs are limited reviews and less established in the market.

Pros

  • Straightforward approach
  • Favorable interest rates
  • Good for first-time buyers

Cons

  • Limited reviews
  • Less established in the market
Best forFirst-time homebuyers looking for straightforward options.
Service areaTroy, MI and nearby areas.
Typical pricing$1,000 to $2,000 in fees.
6

Lending Force

★★★★★4.8(816 reviews)
87Score

Lending Force has a solid rating of 4.8 from 816 reviews. They are known for their quick pre-approval processes and friendly staff. Clients appreciate the ease of communication and accessibility. However, some customers have mentioned that their rates can be slightly higher than competitors. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is quick pre-approval and accessibility.. It serves Troy, MI and surrounding areas., with $1,200 to $2,800 in fees. pricing, and the honest trade-offs are higher rates and limited loan types.

Pros

  • Quick pre-approval
  • Friendly staff
  • Good communication

Cons

  • Higher rates
  • Limited loan types
Best forQuick pre-approval and accessibility.
Service areaTroy, MI and surrounding areas.
Typical pricing$1,200 to $2,800 in fees.
7

Coast 2 Coast Lenders, LLC

★★★★★4.9(146 reviews)
85Score

Coast 2 Coast Lenders, LLC holds a 4.9 rating with 146 reviews. Clients praise their personalized service and willingness to work with unique financial situations. They are a good option for those with non-standard borrowing needs. However, their smaller size might limit their loan product offerings. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is personalized service for unique financial situations.. It serves Troy, MI and nearby regions., with $1,000 to $2,500 in fees. pricing, and the honest trade-offs are smaller size limits offerings and fewer online resources.

Pros

  • Personalized service
  • Flexible with unique needs
  • Good communication

Cons

  • Smaller size limits offerings
  • Fewer online resources
Best forPersonalized service for unique financial situations.
Service areaTroy, MI and nearby regions.
Typical pricing$1,000 to $2,500 in fees.
8

United Mortgage Lending, LLC - NMLS# 2220134

★★★★★4.7(799 reviews)
82Score

United Mortgage Lending, LLC has a 4.7 rating from 799 reviews. Customers appreciate their knowledgeable team and the variety of loan products available. They are particularly good for clients looking for tailored mortgage solutions. However, some users report that customer service can vary significantly. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is tailored mortgage solutions.. It serves Troy, MI and surrounding areas., with $1,000 to $2,500 in fees. pricing, and the honest trade-offs are inconsistent customer service and can be slow during busy times.

Pros

  • Knowledgeable team
  • Variety of loan products
  • Tailored solutions

Cons

  • Inconsistent customer service
  • Can be slow during busy times
Best forTailored mortgage solutions.
Service areaTroy, MI and surrounding areas.
Typical pricing$1,000 to $2,500 in fees.
9

Expert Mortgage

★★★★★4.2(40 reviews)
78Score

Expert Mortgage has a rating of 4.2 from just 40 reviews. While some clients appreciate their straightforward service, the limited feedback makes it hard to gauge overall quality. They may be worth considering if you are looking for a smaller, more personable broker, but be cautious of the thin review base.

Pros

  • Straightforward service
  • Personal attention

Cons

  • Thin review base
  • Less established reputation
Best forSmall, personable services.
Service areaTroy, MI.
Typical pricing$1,000 to $2,500 in fees.
Before you book

How to choose a mortgage broker in Troy

Selecting the right mortgage broker involves more than just reviewing star ratings. Here are key considerations for making your choice.

Review Count

Look for brokers with a substantial number of reviews. A high volume often indicates reliability and customer satisfaction.

Rating Consistency

Check for consistency in ratings. Brokers with stable ratings across many reviews are generally more trustworthy.

Specialization

Consider brokers who specialize in your type of loan or financial situation. Tailored expertise can lead to better outcomes.

What it costs

What mortgage brokers cost in Troy

The cost of hiring a mortgage broker in Troy can vary widely based on services offered and the complexity of your financing needs. Here’s a breakdown of typical pricing tiers.

Basic Consultation$0 to $300 for initial consultations or application assistance.
Loan Origination FeesExpect 0.5% to 1% of the loan amount for origination fees, depending on the broker.
Broker Fees$1,000 to $3,000 for broker fees, which vary based on the broker's level of service.
Rate Lock FeesSome brokers may charge $200 to $500 for locking in your interest rate.

Frequently asked questions

How much does a mortgage cost in Troy?

Mortgage costs in Troy can vary widely based on the lender and the borrower's financial profile. On average, expect rates to fall between 3.5% to 5.5% depending on your credit score and loan type.

What are the average closing costs for mortgages in Troy?

Closing costs in Troy typically range from 2% to 5% of the loan amount, which can add up to thousands of dollars depending on the size of your mortgage.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most Troy homebuyers: <strong>MortgagePros</strong>

MortgagePros leads the pack with an impressive 4.9-star rating based on 5,449 reviews, proving its reliability in the local market. Following closely is Lit Financial, also at 4.9 stars but with 1,123 reviews, indicating solid performance but less volume. Finally, National Mortgage Home Loans rounds out the top three, maintaining a 4.9 rating on 821 reviews. For those seeking a trusted mortgage broker in Troy, start with MortgagePros for the most proven track record.