8. Skyrocket Financial (Best for Highest-to-Earnings Ratio Individuals) eight. Flagstar (Best for Small Funds) Flagstar Bank, based inside Troy, Michigan, come because the a home loan company the good news is now offers a number of from financial properties. Flagstar are an alternative financial, however it brings a wide range of discounts membership and you can financial qualities past mortgage loans, making it already demonstrating flexible.