Mortgage Lenders and Brokers in Troy, Michigan
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Troy, Michigan mortgage lenders include Flagstar Bank NAFlagstar Bank NA5151 Corporate Dr, Troy, MI 48098D3.3 ★Texas Ratio: 35.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA260 John R Rd, Troy, MI 48083A+5.0 ★Texas Ratio: 3.68%, Huntington National BankHuntington National Bank2301 W Big Beaver Rd, Troy, MI 48084A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association3754 Rochester Rd, Troy, MI 48083A+5.0 ★Texas Ratio: 3.22%, Superior National BankSuperior National Bank363 W Big Beaver Rd, Troy, MI 48084A+5.0 ★Texas Ratio: 4.32%, Bank of America NABank of America NA150 E Maple Rd, Troy, MI 48083A+5.0 ★Texas Ratio: 4.14%, Citizens Bank, NACitizens Bank, NA1250 W 14 Mile Rd, Troy, MI 48083A+5.0 ★Texas Ratio: 5.44%, PNC Bank N.A.PNC Bank N.A.725 E Big Beaver Rd, Troy, MI 48083A+5.0 ★Texas Ratio: 4.24%, Independent BankIndependent Bank201 W Big Beaver Rd, Troy, MI 48084A5.0 ★Texas Ratio: 6.46%, and Towne Mortgage CompanyTowne Mortgage Company6010 Rochester Rd, Troy, MI 48085 1301A+5.0 ★Texas Ratio: 2.54%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Troy, Michigan in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Troy are listed first, then lenders elsewhere in Michigan, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Troy, Michigan
Market share is the lender's share of all home loans closed in Troy, Michigan. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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2 offices in Troy 5151 Corporate Dr, Troy, MI 48098 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo, HELOC | 35 +5 HELOCs |
2.5% | 75% | $379,000 | View |
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3 offices in Troy 260 John R Rd, Troy, MI 48083 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 35 +3 HELOCs |
2.5% | 83.7% | $444,428 | View |
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1 office in Troy 2301 W Big Beaver Rd, Troy, MI 48084 A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo, HELOC | 31 +47 HELOCs |
2.2% | 75% | $549,516 | View |
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3 offices in Troy 3754 Rochester Rd, Troy, MI 48083 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 13 +20 HELOCs |
0.9% | 100% | $312,692 | View |
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1 office in Troy 363 W Big Beaver Rd, Troy, MI 48084 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 9 | 0.6% | 100% | $356,111 | View |
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3 offices in Troy 150 E Maple Rd, Troy, MI 48083 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 8 +37 HELOCs |
0.6% | 61.5% | $292,500 | View |
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2 offices in Troy 1250 W 14 Mile Rd, Troy, MI 48083 A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, Jumbo, HELOC | 5 +100 HELOCs |
0.4% | 83.3% | $405,000 | View |
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★ 1.7 stars, 3 reviews 2 offices in Troy 725 E Big Beaver Rd, Troy, MI 48083 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 5 +16 HELOCs |
0.4% | 83.3% | $269,000 | View |
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1 office in Troy 201 W Big Beaver Rd, Troy, MI 48084 A5.0 ★Texas Ratio: 6.46% |
Conventional, HELOC | 3 +1 HELOCs |
0.2% | 75% | $405,000 | View |
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6010 Rochester Rd, Troy, MI 48085 1301 A+5.0 ★Texas Ratio: 2.54% |
FHA | 1 | 0.1% | 100% | $255,000 | View |
Polish-Am Federal Credit Union
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Conventional | 2 | 0.1% | 100% | $275,000 | |
Ross Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $235,000 | |
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4555 Investment Dr, Troy, MI 48098 6338 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 68 +20 HELOCs |
4.8% | 94.8% | $350,294 | View |
Lake Michigan Credit Union
734 W Long Lake Rd, Troy, MI 48098 |
Conventional, Jumbo, HELOC | 41 +20 HELOCs |
2.9% | 93.2% | $477,926 | |
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3930 S State Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 4.12% |
Conventional, Jumbo, HELOC | 37 +3 HELOCs |
2.6% | 100% | $431,756 | View |
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1960 E Big Beaver Rd, Troy, MI 48083 2021 A+5.0 ★Texas Ratio: 5.37% |
Conventional, HELOC | 27 +22 HELOCs |
1.9% | 75.7% | $253,888 | View |
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6010 Rochester Rd, Troy, MI 48085 1301 A+5.0 ★Texas Ratio: 2.54% |
Conventional, HELOC | 12 +30 HELOCs |
0.9% | 92.9% | $257,500 | View |
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7310 Woodward Ave, Detroit, MI 48202 A+5.0 ★Texas Ratio: 4.91% |
Conventional | 12 | 0.9% | 100% | $386,666 | View |
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2001 W Maple Rd, Troy, MI 48084 A+5.0 ★Texas Ratio: 4.92% |
Conventional, HELOC | 8 +1 HELOCs |
0.6% | 88.9% | $332,500 | View |
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255 E Maple Rd, Troy, MI 48083 A+5.0 ★Texas Ratio: 1.86% |
Conventional | 7 | 0.5% | 87.5% | $263,571 | View |
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340 E Huron St, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 5.54% |
Conventional, HELOC | 6 +2 HELOCs |
0.4% | 100% | $358,333 | View |
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53950 Gratiot Ave, Chesterfield, MI 48051 A5.0 ★Texas Ratio: 6.84% |
Conventional, HELOC | 6 +1 HELOCs |
0.4% | 85.7% | $256,666 | View |
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1494 John R Rd, Troy, MI 48083 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 5 +31 HELOCs |
0.4% | 83.3% | $249,000 | View |
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34100 Woodward Ave, Birmingham, MI 48009 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 4 | 0.3% | 66.7% | $375,000 | View |
Member First Mortgage, LLC
650 W 5th St, Clare, MI 48617 |
Conventional | 4 | 0.3% | 80% | $680,000 | |
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30 E Long Lake Rd, Troy, MI 48085 4712 A+5.0 ★Texas Ratio: 5.61% |
Conventional, HELOC | 3 +3 HELOCs |
0.2% | 100% | $135,000 | View |
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3082 Coolidge Hwy, Berkley, MI 48072 A+5.0 ★Texas Ratio: 5.97% |
Conventional, HELOC | 3 +3 HELOCs |
0.2% | 100% | $238,333 | View |
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3501 Hamlin Rd, Auburn Hills, MI 48326 A+5.0 ★Texas Ratio: 0.54% |
Conventional, HELOC | 3 +3 HELOCs |
0.2% | 100% | $141,666 | View |
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2469 Cedar Street, Delhi Township, MI 48842 A-4.9 ★Texas Ratio: 16.59% |
Conventional, Jumbo | 3 | 0.2% | 100% | $941,666 | View |
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3333 Deposit Dr Ne, Grand Rapids, MI 49546 A5.0 ★Texas Ratio: 8.47% |
Conventional | 3 | 0.2% | 100% | $291,666 | View |
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2936 Wilder Rd, Bay City, MI 48706 A+5.0 ★Texas Ratio: 3.16% |
Conventional | 3 | 0.2% | 100% | $431,666 | View |
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1025 E Grand River Ave, Brighton, MI 48116 1803 A+5.0 ★Texas Ratio: 1.78% |
Conventional, HELOC | 2 +1 HELOCs |
0.1% | 100% | $75,000 | View |
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★ 1 stars, 1 review 2222 Packard St, Ann Arbor, MI 48104 6368 A5.0 ★Texas Ratio: 6.91% |
Conventional, HELOC | 2 +1 HELOCs |
0.1% | 100% | $30,000 | View |
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2015 Washtenaw Ave, Ann Arbor, MI 48104 A+5.0 ★Texas Ratio: 3.82% |
Conventional, FHA | 2 | 0.1% | 100% | $250,000 | View |
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2910 Carpenter Rd, Ann Arbor, MI 48108 A+5.0 ★Texas Ratio: 1.86% |
Conventional, HELOC | 1 +7 HELOCs |
0.1% | 100% | $65,000 | View |
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6081 B Dr N, Battle Creek, MI 49014 8367 A+5.0 ★Texas Ratio: 3.56% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $285,000 | View |
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2543 S Sherman Rd, Applegate, MI 48401 A+5.0 ★Texas Ratio: 0.17% |
Conventional | 1 | 0.1% | 100% | $365,000 | View |
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22315 Michigan Ave, Dearborn, MI 48124 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 1 | 0.1% | 100% | $535,000 | View |
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1352 S Main St, Adrian, MI 49221 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.1% | 100% | $325,000 | View |
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49 N Benzie Blvd, Beulah, MI 49617 A+5.0 ★Texas Ratio: 1.81% |
Conventional | 1 | 0.1% | 100% | $485,000 | View |
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22855 Gibraltar Rd, Flat Rock, MI 48134 A+5.0 ★Texas Ratio: 2.18% |
Conventional | 1 | 0.1% | 100% | $305,000 | View |
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6611 Chicago Rd, Warren, MI 48092 1685 A+5.0 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.1% | 100% | $45,000 | View |
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2410 Gaynor Ave NW, Grand Rapids, MI 49544 1830 A+5.0 ★Texas Ratio: 2.16% |
Conventional | 1 | 0.1% | 100% | $95,000 | View |
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625 N Main St, Clawson, MI 48017 1529 A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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8171 E 10 Mile Rd, Center Line, MI 48015 1449 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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4141 Jackson Rd, Ann Arbor, MI 48103 1827 A+5.0 ★Texas Ratio: 1.03% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Community Financial
12483 State St, Atlanta, MI 49709 |
HELOC | 0 +1 HELOCs |
0% | 0% | ||
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5750 Baypointe Blvd, Clarkston, MI 48346 3192 A+5.0 ★Texas Ratio: 4.06% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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120 Ottawa Ave Nw, Grand Rapids, MI 49503 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 378 +9 HELOCs |
26.8% | 93.2% | $422,248 | |
Rocket Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 224 +1 HELOCs |
15.9% | 90.3% | $311,339 | |
Mortgage Center LC
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Conventional, FHA, Jumbo | 36 | 2.6% | 94.7% | $471,111 | |
Staunton Financial Inc
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Conventional, VA | 34 | 2.4% | 97.1% | $416,176 | |
Mortgage 1 Incorporated
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Conventional, FHA | 14 | 1% | 100% | $386,428 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 8 | 0.6% | 100% | $295,000 | |
Msu Federal Credit Union
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Conventional, HELOC | 4 +7 HELOCs |
0.3% | 80% | $287,500 | |
Ccf - Auburn Hills Branch
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Conventional | 4 | 0.3% | 80% | $72,500 | |
Legacy Mortgage
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Conventional | 3 | 0.2% | 100% | $308,333 | |
St. James Mortgage Corporation
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Conventional | 3 | 0.2% | 100% | $281,666 | |
Michigan Mutual, Inc
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Conventional | 2 | 0.1% | 100% | $285,000 | |
Success Mortgage Partners, Inc
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Conventional | 2 | 0.1% | 100% | $370,000 | |
Uif Corporation
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Conventional | 1 | 0.1% | 100% | $275,000 | |
The Loan Store, Inc
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Conventional, VA, Jumbo, HELOC | 25 +6 HELOCs |
1.8% | 100% | $384,200 | |
Newrez LLC
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Conventional, VA, Jumbo | 18 | 1.3% | 81.8% | $347,222 | |
Nationstar Mortgage
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Conventional | 18 | 1.3% | 94.7% | $220,555 | |
Provident Funding Associates
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Conventional | 16 | 1.1% | 94.4% | $406,875 | |
Union Home Mortgage Corp.
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Conventional, HELOC | 14 +1 HELOCs |
1% | 100% | $346,428 | |
loanDepot.com LLC
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Conventional, HELOC | 8 +2 HELOCs |
0.6% | 88.9% | $280,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 8 | 0.6% | 88.9% | $313,750 | |
Spring Eq, LLC
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Conventional, HELOC | 7 +3 HELOCs |
0.5% | 35% | $85,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 7 +1 HELOCs |
0.5% | 100% | $387,857 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 7 | 0.5% | 77.8% | $273,571 | View |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 6 | 0.4% | 100% | $301,666 | View |
Zillow Home Loans, LLC
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Conventional, FHA | 6 | 0.4% | 100% | $381,666 | |
Resicentral LLC
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Conventional | 5 | 0.4% | 100% | $415,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 0.4% | 62.5% | $319,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 4 | 0.3% | 100% | $257,500 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 0.3% | 66.7% | $320,000 | View |
Mutual of Omaha Mortgage
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Conventional | 4 | 0.3% | 100% | $420,000 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 0.3% | 100% | $360,000 | |
Plaza Home Mortgage, Inc
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Conventional | 4 | 0.3% | 66.7% | $240,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 3 +3 HELOCs |
0.2% | 37.5% | $435,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 3 | 0.2% | 50% | $365,000 | View |
Sage Home Loans Corporation
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Conventional | 3 | 0.2% | 50% | $391,666 | |
Guidance Residential, LLC
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Conventional | 3 | 0.2% | 100% | $535,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 3 | 0.2% | 100% | $408,333 | |
V.I.P. Mortgage, Inc.
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Conventional, FHA | 3 | 0.2% | 100% | $395,000 | |
Nexera Holding LLC
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Conventional | 3 | 0.2% | 100% | $295,000 | |
Carrington Mortgage Services LLC
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Conventional | 3 | 0.2% | 33.3% | $175,000 | |
The Mortgage Link, Inc.
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Conventional | 3 | 0.2% | 100% | $411,666 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +2 HELOCs |
0.1% | 40% | $60,000 | View |
Navy Federal Credit Union
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Conventional, HELOC | 2 +2 HELOCs |
0.1% | 100% | $110,000 | |
Alliant Credit Union
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Conventional | 2 | 0.1% | 100% | $535,000 | |
Ruoff Mortgage Company
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Conventional | 2 | 0.1% | 100% | $250,000 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 2 | 0.1% | 100% | $380,000 | |
Everett Financial, Inc.
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Conventional | 2 | 0.1% | 100% | $235,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.1% | 40% | $455,000 | |
Kind Lending, LLC
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Conventional | 2 | 0.1% | 50% | $425,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 0.1% | 57.9% | $85,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.1% | 100% | $335,000 | View |
Amerisave Mortgage Company
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Conventional | 2 | 0.1% | 18.2% | $60,000 | |
Cmg Mortgage Inc
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Conventional | 2 | 0.1% | 100% | $450,000 | |
New Wave Lending Group Inc
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Conventional | 2 | 0.1% | 100% | $445,000 | |
Weichert Financial Services
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Conventional | 2 | 0.1% | 100% | $405,000 | |
Cardinal Financial Company, Li
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Conventional | 2 | 0.1% | 100% | $310,000 | |
The Anderson Financial Group, Inc.
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Conventional | 2 | 0.1% | 100% | $405,000 | |
Mortgage Research Center
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VA | 2 | 0.1% | 100% | $380,000 | |
Lower, LLC
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Conventional, FHA | 2 | 0.1% | 100% | $375,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.1% | 100% | $350,000 | View |
Tomo Mortgage LLC
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Conventional | 2 | 0.1% | 66.7% | $545,000 | |
Champions Funding, LLC
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Conventional | 2 | 0.1% | 100% | $285,000 | |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $395,000 | |
Pentagon Federal Credit Union
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VA, HELOC | 1 +1 HELOCs |
0.1% | 100% | $515,000 | |
EMM Loans LLC
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Conventional | 1 | 0.1% | 100% | $465,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Primelending
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Conventional | 1 | 0.1% | 100% | $345,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.1% | 100% | $355,000 | View |
Nbkc Bank
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Conventional | 1 | 0.1% | 100% | $595,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $325,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.1% | 50% | $295,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.1% | 100% | $305,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.1% | 100% | $485,000 | |
Plus Relocation Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $765,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.1% | 100% | $365,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.1% | 100% | $225,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.1% | 100% | $175,000 | |
Lufthansa Employee Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $45,000 | |
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A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.1% | 100% | $805,000 | View |
Ez Fundings Inc
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Illinois State Credit Union
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Conventional | 1 | 0.1% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
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A+5.0 ★Texas Ratio: 5.26% |
Conventional | 1 | 0.1% | 100% | $555,000 | View |
Stg Mortgage Inc
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Conventional | 1 | 0.1% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 3.84% |
Conventional | 1 | 0.1% | 100% | $335,000 | |
Intouch Credit Union
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $415,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.1% | 100% | $435,000 | |
Baxter Credit Union
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Conventional, Jumbo | 1 | 0.1% | 100% | $905,000 | |
Affinity Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $375,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.1% | 100% | $705,000 | View |
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A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.1% | 100% | $325,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 0.1% | 100% | $485,000 | |
21St Mortgage
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Conventional | 1 | 0.1% | 100% | $55,000 | |
Texana Bank
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Conventional | 1 | 0.1% | 100% | $635,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional, Jumbo | 1 | 0.1% | 100% | $825,000 | View |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.1% | 100% | $225,000 | |
Figure Lending LLC
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.10% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Troy Mortgage Rate Trends
Daily average mortgage rates for Michigan compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Troy, Michigan
Looking for mortgage lenders near me or mortgage brokers near me in Troy? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Troy in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Troy, MI
Use these to narrow the list above. Each category shows how many Troy, MI lenders fit and what that kind of lender is usually best for.
Who Lends in Troy, MI
Independent mortgage companies closed 64.3 percent of home loans in Troy, Michigan in 2025, banks 18.1 percent and credit unions 17.7 percent. Towne Mortgage Company was the largest mortgage company, Flagstar Bank NA the largest bank and Polish-Am Federal Credit Union the largest credit union. Among lenders headquartered in Michigan, Flagstar Bank NA led with 35 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Michigan. State real estate transfer tax of $3.75 per $500 (0.75 percent) plus a county transfer tax of $0.55 per $500 (0.11 percent), customarily paid by the seller. No mortgage recording tax.
More Michigan Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Troy, MI
By home loans closed in 2025, Flagstar Bank NA was the largest mortgage lender in Troy, Michigan with 35 loans, about 2.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Troy, Michigan, Michigan Schools and Governmen approved the highest share of completed applications in 2025 at 94.8 percent, against a 88.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Troy, Michigan in 2025, led by United Wholesale Mortgage with 16. 9 lenders closed VA loans, led by United Wholesale Mortgage. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 44 banks and 37 credit unions closed home loans in Troy, Michigan in 2025, alongside 75 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Troy, Michigan during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Troy, Michigan for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Troy. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
