Top 3 Mortgage Lenders in Royal Oak

As the nation's largest mortgage lender and headquartered just 20 minutes from Royal Oak in Detroit, Rocket Mortgage offers exceptional digital mortgage experience with highly competitive rates. Their fully online application process, rapid approval times, and extensive loan options make them a top choice for Royal Oak residents. They maintain an A+ BBB rating and are particularly strong with first-time homebuyers and refinancing.

Flagstar Bank is one of Michigan's largest banks with a strong mortgage division located just minutes from Royal Oak in Troy. They offer competitive rates and a wide variety of loan programs, including specialized options for self-employed borrowers. Their local presence allows for personalized service while maintaining the resources of a major financial institution. Flagstar is particularly known for their construction lending expertise and portfolio loan options.

While headquartered in Flint, Dort Financial Credit Union serves the entire southeastern Michigan region including Royal Oak and is highly regarded for their exceptional member service and competitive rates. As a credit union, they typically offer lower fees and more personalized service than large banks. They have strong expertise with first-time homebuyer programs and offer unique benefits like rate matching guarantees. Their long history and community-focused approach make them a trusted local option.