The 5 Best Mortgage Lenders & Brokers in Birmingham, MI
Last updated September 26, 2026 · ranked from 2,579 Google reviews · How we rank
All five entries in this guide to the best mortgage lenders and brokers in Birmingham, MI are located within the city. Better Neighbor Mortgage, LLC leads the list with a 5-star Google rating from 166 reviews, followed by Frank Swartz, NMLS #406422, with a 5-star rating from 163 reviews. Third-ranked Swift Home Loans has the largest Google review count among these entries: 2,062 reviews and a 4.8-star rating. Better Rate Mortgage takes fourth place with 4.8 stars from 151 reviews, while Prolific Mortgage rounds out the five with 4.4 stars from 37 reviews. The list brings together five Birmingham, MI options, with Google ratings and review counts providing a clear point of comparison.
Top picks at a glance
1Better Neighbor Mortgage, LLCReviewers praise clear explanations of loan options, borrowing costs and cash-to-close figures, plus patient answers for first-time buyers.
2Frank Swartz, NMLS #406422Reviewers describe a fast, straightforward mortgage process, thorough guidance and refinancing completed as promised.
3Swift Home LoansSwift Home Loans offers access to wholesale mortgage pricing, while reviewers describe knowledgeable guidance and attention to individual borrowing needs.
5.0(166)· Google5.0 out of 5 from 166 reviews (Google rating)
Mortgage broker
Closed today
Clear explanations of borrowing costs help Better Neighbor Mortgage, LLC earn the No. 1 spot. Reviewers describe guidance through loan options, interest rates, APR, lender fees, PMI and cash-to-close figures, while first-time buyers praise a smooth process and patient answers. The brokerage handles home purchases and refinancing from 280 N Old Woodward Ave in Birmingham, MI. Its 5-star Google rating across 166 reviews supports that feedback, and weekday hours run from 8 a.m. to 6 p.m.
Purchase and refinance
Detailed cost explanations
First-time buyer guidance
“My husband and I worked with Will to purchase our first home. We had the best experience and cannot recommend him enough! Him and his team made the loan process smooth, efficient and easy, especially with us being first time homebuyers. …”
5.0(163)· Google5.0 out of 5 from 163 reviews (Google rating)
Mortgage lender
A 5-star Google rating across 163 reviews supports Frank Swartz’s No. 2 spot, with supplied reviews describing a fast, straightforward mortgage process and a refinance completed as promised. One borrower specifically calls him helpful and thorough; another credits Swartz and his team with a seamless, professional refinance. A Citizens Bank mortgage loan officer listed under NMLS #406422, Swartz has an office at 725 S Adams Rd, Suite 286, in Birmingham, MI, with a wheelchair-accessible entrance and parking.
Thorough mortgage guidance
Smooth refinance experience
Wheelchair-accessible office
“Frank Swartz made our mortgage process fast and simple. Extremely helpful and thorough. Will recommend him to others!”
4.8(2,062)· Google4.8 out of 5 from 2062 reviews (Google rating)
Mortgage broker
Closed today
Rate-and-cost shopping helps earn Swift Home Loans the No. 3 spot, alongside a 4.8-star Google rating from 2,062 reviews. Located at 805 E Maple Rd in Birmingham, MI, the business describes a brokerage approach that gives borrowers access to wholesale mortgage pricing, with no up-front credit pulls required. Positive review excerpts describe questions being answered, attention to individual borrowing needs, and knowledgeable guidance through lending. Those details support its place for borrowers who value comparison shopping and help understanding the process.
Rate-and-cost shopping
Wholesale pricing access
4.8-star Google rating
“Jamie was phenomenal to work with. She answered every question I had and listened to what my needs were to make sure that we got a loan that was exactly what we needed. I have worked with Swift loans before as well and I would definite…”
4.8(151)· Google4.8 out of 5 from 151 reviews (Google rating)
Mortgage lender
Open now · closes 12:00 AM
Clear explanations and responsive communication earn Better Rate Mortgage the No. 4 spot. Reviewers describe having their questions answered, understanding each step of the loan process, and receiving reassuring support through closing. Several also highlight patience and professionalism during home buying. The lender holds a 4.8-star Google rating from 151 reviews and is located at 390 Park St, Suite 100, in Birmingham, MI. Its stated focus on transparency and customer support aligns with those specific accounts.
Clear process explanations
Responsive communication
Support through closing
“Sammy Khraishi was an exceptional person to work with. He was very reassuring throughout the entire process. He made sure that we felt heard and was great at making sure we understood the steps of the entire process. He was also very car…”
4.4(37)· Google4.4 out of 5 from 37 reviews (Google rating)
Mortgage lender
Borrower accounts of clear explanations and help through closing earn Prolific Mortgage the No. 5 spot. Reviewers describe transparency, guidance for a buyer unfamiliar with the homebuying process, and efforts to complete refinances despite obstacles. One homebuyer specifically praises support through underwriting and closing. Located at 166 W Maple Rd, Suite 200, in Birmingham, MI, the lender has a 4.4-star Google rating from 37 reviews. Its strongest recommendation comes from those specific accounts of hands-on mortgage assistance.
Homebuyer guidance
Refinance support
Closing assistance
“Victor and his team were AMAZING! Complete transparency, worked as hard for us as if he were doing it for himself. My mother and I will never forget what he did for us. If Prolific had more Victors they would get nothing but 5 star revie…”
Ratings and review counts shown are Google ratings, displayed with attribution.
How we ranked this list
Each mortgage lender is scored on a Bayesian-weighted rating (its rating adjusted for how many reviews it has compared with the Birmingham category average), how recently we verified its details, and how complete its listing is. Scores and ranks are stored, so the order only changes when the underlying data changes.
Mortgage Lenders & Brokers in Birmingham, MI: common questions
Which mortgage companies in this guide have the highest Google ratings?
Vema Mortgage has a 5.0 rating from 1,137 reviews, followed among the 5.0-rated entries by Loanville with 378, National Mortgage Funding with 309, Better Neighbor Mortgage with 166 and Frank Swartz with 163. Swift Home Loans has the most reviews overall, with 2,062 and a 4.8 rating.
Which offices are located in Birmingham, MI?
Swift Home Loans is at 805 E Maple Rd, Birmingham, MI; Better Neighbor Mortgage is at 280 N Old Woodward Ave, Birmingham, MI; Frank Swartz is at 725 S Adams Rd, Suite 286, Birmingham, MI; and Better Rate Mortgage is at 390 Park St, Suite 100, Birmingham, MI.
Which mortgage offices list weekend or late hours?
Better Rate Mortgage in Birmingham, MI and National Mortgage Funding in Troy list 24-hour schedules every day. Vema Mortgage lists 9 a.m.–9 p.m. daily, while Lit Financial and Sintra Mortgage list 8 a.m.–8 p.m. daily. Loanville lists Saturday hours of 9 a.m.–4 p.m., and Nations Mortgage lists Saturdays from 10 a.m.–2 p.m.
Which entries offer purchase loans and refinancing?
Better Neighbor Mortgage in Birmingham, MI explicitly provides brokerage services for both home purchases and refinancing. Loanville also lists both, including refinancing to lower payments or access equity. Lit Financial lists first-time homebuyers, refinancing and property investment, while National Mortgage Funding describes purchase and refinance services with advisor guidance on loan options, terms, rates and costs.
Which entries have reviews discussing help for first-time buyers?
Better Neighbor Mortgage in Birmingham, MI has reviews from first-time buyers describing patient answers and an efficient loan process with Will Rogan and his team. A Loanville reviewer describes working with Antonio and Dominic on a first-home purchase. A Coast 2 Coast Lenders reviewer credits Kolby Moton and Michelle with guiding them through each step as a first-time buyer.
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