Shopping for a mortgage in Troy shouldn't feel like guessing. These five lending pros each solve the problem a little differently, and one of them might be exactly the fit you need.
The Troy Mortgage Landscape, Explained
Troy sits in Oakland County, roughly 17 miles north of Detroit, and it's one of the region's most competitive housing markets. Inventory stays tight, listings move fast, and the buyer pool skews toward corporate relocations and move-up professionals tied to the Big Beaver corridor. That pace rewards borrowers who get pre-approved early and lenders who can turn a clean file quickly. The bigger shift is how loans get priced. Independent brokers shop wholesale lenders, sometimes dozens of them, while retail banks and credit unions can only offer their own shelf of products. For you, that difference shows up in rate, program fit, and how creative a lender can get when your situation is anything but vanilla.
How We Evaluated These Lenders
We looked at the same factors for every entry. First, service scope: which loan programs can you actually access, from conventional and FHA to jumbo, VA, DSCR, reverse, and commercial. Second, pricing transparency: does the lender explain how it shops lenders, what fees apply, and what tools you can use before you apply. Third, local fit: is there a real presence in Troy and Oakland County, with loan officers who know appraisal trends and closing timelines. Fourth, track record and credentials: licensing footprint, NMLS registration, review volume, and third-party ratings. Fifth, borrower experience: calculators, pre-approval speed, and how easy it is to reach a human. Each business below stood out on different combinations of these factors, so weigh them against what your own file looks like.
Here's a quick side-by-side of the five, so you can see how their strengths line up before you dig into the details.
| Provider | Best For |
|---|---|
| Riverbank Finance | Borrowers who want a deep program menu and zero-lender-fee options |
| Adam DeCraene | Mortgage Loan Originator in Troy, Michigan — Licensed in 34 States + DC | West Capital Lending | Multi-state borrowers who want one loan officer shopping 175 lenders |
| Clear2 Mortgage | Troy buyers who need speed and hyper-local market knowledge |
| United Mortgage Lending LLC | Borrowers who prioritize hands-on communication and follow-through |
| Union Home Mortgage - Troy Branch | Borrowers who want a big-brand lender with a local branch office |
The Five, One by One
#1 Riverbank Finance
A screenshot of the Riverbank Finance website.
Riverbank Finance is a licensed Michigan mortgage broker serving Troy and the wider Oakland County market, and it brokers rather than lends directly. That means your loan gets shopped across multiple wholesale lenders, and the company notes zero lender fee options are available on many programs. The program list is broad: conventional, FHA, VA, USDA, jumbo, reverse, renovation, construction, HELOC, and even Michigan doctor loans and DSCR loans for investors. First-time buyers in Troy can also explore down payment assistance. The site leans heavily on calculators, from amortization schedules to transfer tax and title insurance estimators, which helps you sanity-check numbers before you call. You can see the full Troy page and program menu at Riverbank Finance.
#2 Adam DeCraene | Mortgage Loan Originator in Troy, Michigan — Licensed in 34 States + DC | West Capital Lending
A screenshot of the Adam DeCraene website.
Adam DeCraene is a Mortgage Loan Originator with West Capital Lending, Inc., working out of 755 West Big Beaver Rd, Suite 1725 in Troy. His model is simple: instead of selling you one bank's products, he shops 175 wholesale lenders to match your situation with the right loan. That covers purchases, refinances, HELOCs, VA, FHA, jumbo, investor, reverse mortgage, and commercial loans. He's personally licensed in 34 states plus DC, which matters if you're relocating or buying in another market. The credentials are solid: NMLS# 2811542, a 4.9 rating on Experience.com, and West Capital Lending's 4.8 out of 5 across 4,600+ borrower reviews with an A+ BBB rating. You can explore the loan programs and calculators at Adam DeCraene.
#3 Clear2 Mortgage
A screenshot of the Clear2 Mortgage website.
Clear2 Mortgage is based in Troy at 2600 W Big Beaver Road, Suite 100, so its loan officers are genuinely embedded in the market they serve. As an independent broker, the firm shops 50+ wholesale lenders and advertises a 30-day guaranteed close. The team talks openly about Troy's dynamics: a median home price around $430,000, roughly 20 average days on market, and year-over-year appreciation near 5.2%. That local read helps when you need a same-day pre-approval letter to compete on a fast-moving listing. Loan options include 30-year fixed, FHA, jumbo, VA, and non-QM products, backed by tools like a pre-approval letter request and refinance analysis. Details are at Clear2 Mortgage.
#4 United Mortgage Lending LLC
A screenshot of the United Mortgage Lending LLC website.
United Mortgage Lending LLC positions itself as a broker built around service, with an in-house team supporting its branches and loan officers from start to finish. The pitch is that servicing the loan end-to-end saves you time, and the company emphasizes follow-through: when it says it can fund a loan, it funds it. Purchase and refinance are the core offerings, and the site keeps things lean with today's rates, a mortgage calculator, and client reviews front and center. The reviews highlight communication, with borrowers calling out being kept informed at every step from application to closing. If you value a single point of contact and a team that answers the phone, this is worth a look. Start at United Mortgage Lending LLC.
#5 Union Home Mortgage - Troy Branch
A screenshot of the Union Home Mortgage - Troy Branch website.
Union Home Mortgage runs a Troy branch at 830 Kirts Blvd, Suite 305, giving you a physical office and named loan officers you can reach directly. The product lineup covers conventional, refinancing, FHA, VA, USDA, rehab, and new home construction loans, plus optional home insurance through the same organization. Because it's a larger lender, you get institutional resources and a formal branch structure, with loan officers like Ken Debus and Riam Seman listed with their own NMLS numbers and direct lines. The tradeoff is that you're working within one company's product set rather than a wholesale marketplace. Still, for borrowers who prefer a recognizable brand and a local branch, it's a practical option. See the branch page at Union Home Mortgage - Troy Branch.
How to Pick the Right Fit for Your File
Start with your situation, not the lender's marketing. If your file is straightforward, a conventional purchase with solid credit and documented income, almost any of these five can get you a competitive offer. The calculus changes when things get complicated. Self-employed income, investment properties, a reverse mortgage question, or a relocation across state lines all narrow the field fast. Ask each loan officer two questions early: how many lenders will you actually shop for me, and are you licensed in the state where the property sits. Then check the boring stuff. Confirm the NMLS number, read a handful of recent reviews, and ask what fees you'll pay at closing. Finally, pay attention to responsiveness. In a market where listings move in about 20 days, a lender who takes two days to return a call costs you real money.
Where Automation Fits Into Your Mortgage Search
You don't need to automate the relationship, but you should automate the homework. Use online calculators to model payments, extra-payment scenarios, and refinance-versus-HELOC comparisons before you ever pick up the phone. Adam DeCraene's site, for example, offers DSCR, extra payments, refinance versus HELOC, VA, and Michigan mortgage calculators plus state estimators. Riverbank Finance bundles amortization, property tax proration, and home value tools. Run your numbers through two or three of these, save the outputs, and bring them to your first conversation. That way you're comparing real scenarios instead of vague rate quotes, and you'll spot quickly which lender is actually engaging with your numbers.
The Bottom Line
Troy gives you real choice, and that's a good problem to have. Riverbank Finance stands out for program depth and zero-lender-fee options. Adam DeCraene is the pick if you want one loan officer shopping 175 wholesale lenders across 34 states and DC, which is hard to match for flexibility. Clear2 Mortgage wins on local speed and market knowledge. United Mortgage Lending LLC leans on communication and end-to-end service. Union Home Mortgage offers the comfort of a recognizable brand with a Troy branch. Call two or three, ask the hard questions, and compare the loan estimates side by side. The right lender is the one whose process matches how you actually buy.