The 5 Best mortgage lenders in Birmingham, MI

Last updated September 26, 2026 · ranked from 2,579 Google reviews · How we rank

The five best mortgage lenders in Birmingham, MI are all 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 5 stars from 163 reviews. In third place, Swift Home Loans has a 4.8-star rating and 2,062 reviews—the largest review count among these five entries. Better Rate Mortgage ranks fourth with 4.8 stars from 151 reviews, and Prolific Mortgage rounds out the list with 4.4 stars from 37 reviews. This Birmingham, MI lineup brings together five local entries with Google ratings ranging from 4.4 to 5 stars.

1. 1

   Better Neighbor Mortgage, LLC

   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 in Birmingham, MI. Reviewers describe patient guidance for first-time buyers, prompt answers to questions, and explanations of loan options, APR, lender fees, PMI, and cash-to-close figures. Its Google listing shows a 5-star rating from 166 reviews. Located at 280 N Old Woodward Ave, the brokerage connects borrowers with lenders for home purchases and refinancing, with weekday hours from 8 a.m. to 6 p.m.

   • First-time buyer guidance
   • Loan cost explanations
   • Purchase and refinance

   “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. …”

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2. 2

   Frank Swartz, NMLS #406422

   5.0(163)· Google5.0 out of 5 from 163 reviews (Google rating)

   Mortgage lender

   A fast, straightforward mortgage process is the clearest theme in the supplied reviews for Frank Swartz, earning him the No. 2 spot. This Citizens Bank mortgage loan officer in Birmingham, MI holds a 5-star Google rating across 163 reviews. One reviewer describes him as helpful and thorough; another reports a seamless, fast refinance completed as promised. His office at 725 S Adams Rd, Suite 286, also has a wheelchair-accessible entrance and parking.

   • 163 Google reviews
   • Fast refinance feedback
   • Wheelchair-accessible entrance

   “Frank Swartz made our mortgage process fast and simple. Extremely helpful and thorough. Will recommend him to others!”

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3. 3

   Swift Home Loans

   4.8(2,062)· Google4.8 out of 5 from 2062 reviews (Google rating)

   Mortgage broker

   Closed today

   Rate comparison and borrower-specific guidance earn Swift Home Loans the No. 3 spot. Located at 805 E Maple Rd in Birmingham, MI, the mortgage broker says it shops rates and costs, provides access to wholesale mortgage pricing, and requires no up-front credit pulls. Its 4.8-star Google rating spans 2,062 reviews. Positive excerpts describe questions answered, attention to borrowers’ needs, and knowledgeable lending guidance. Those details support its placement, while negative excerpts flag repeated calls and a discrepancy between quoted and documented loan terms.

   • Rate comparison service
   • Wholesale pricing access
   • No upfront credit pulls

   “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…”

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4. 4

   Better Rate Mortgage

   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, feeling heard and understanding the steps of the loan process, with several praising patient support during home buying and closing. The lender holds a 4.8-star Google rating from 151 reviews. Located at 390 Park St, Suite 100, in Birmingham, MI, it states a focus on mortgage advice, transparency and technology that simplifies the process. Its office also has a wheelchair-accessible entrance and parking.

   • Clear process explanations
   • Responsive loan support
   • Wheelchair-accessible entrance

   “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…”

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5. 5

   Prolific Mortgage

   4.4(37)· Google4.4 out of 5 from 37 reviews (Google rating)

   Mortgage lender

   Borrower accounts of detailed explanations and persistence through refinancing obstacles earn Prolific Mortgage the No. 5 spot. Located at 166 W Maple Rd, Suite 200, Birmingham, MI, the lender holds a 4.4-star Google rating from 37 reviews. One homebuyer describes having the process explained carefully, while another credits the team’s work through underwriting and closing. Refinancing reviewers highlight getting loans closed despite obstacles and repeated documentation requests, and another customer specifically praises the team’s transparency.

   • Homebuyer process guidance
   • Refinancing follow-through
   • Transparency praised

   “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…”

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