Top Picks · Baytown
Best Mortgage Brokers in Baytown, TX
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 13 mortgage brokers in Baytown, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is World Finance with a 4.9-star rating from 567 Google reviews and an RNM Score of 87/100. Also in the top tier: Texan Credit Corporation and Guarantee Mortgage, LLC. The average rating across all listed mortgage brokers in Baytown is 4.9 stars from 184 reviews per business on average.
Mortgage brokers in Baytown: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
World Finance
World Finance stands out as the top-ranked broker in Baytown due to its strong reputation and comprehensive mortgage services.
Most Reviewed
Guarantee Mortgage, LLC
A high review count indicates trust and customer satisfaction, making Guarantee Mortgage a reliable choice for borrowers.
When choosing a mortgage broker, compare rates and fees across multiple lenders, and read recent reviews to ensure the broker has experience with your specific loan type.
Local Market Snapshot
13
Businesses listed
4.9★
Avg rating
184
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Baytown's top-rated mortgage broker with 4.9 stars from 567 reviews.
2215-B N Alexander Dr, Baytown, TX 77520, USABaytown's top-rated mortgage broker with a 4.9★ average from nearly 500 reviews.
2225 N Alexander Dr, Baytown, TX 77520, USAA Baytown mortgage broker with a perfect 5.0★ rating from over 350 reviews.
2770 North Farm to Market 565 Road, Mont Belvieu, TX 77523, USAMortgage Brokers Rankings in Baytown, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | World Finance2215-B N Alexander Dr, Baytown, TX 77520, USA | 4.9★ | 567 |
| #2 | Texan Credit Corporation2225 N Alexander Dr, Baytown, TX 77520, USA | 4.9★ | 480 |
| #3 | Guarantee Mortgage, LLC2770 North Farm to Market 565 Road, Mont Belvieu, TX 77523, USA | 5.0★ | 354 |
| #4 | Susana Toledo, Bilingual Mortgage Lender300 N Main St Suite B, Baytown, TX 77520, USA | 5.0★ | 41 |
| #5 | Main Street Mortgage801 S Main St, Georgetown, TX 78626, USA | 5.0★ | 43 |
| #6 | Toledo Finance2123 N Alexander Dr, Baytown, TX 77520, USA | 4.7★ | 89 |
| #7 | Thrive Mortgage22118 Market Pl Dr, New Caney, TX 77357, USA | 5.0★ | 124 |
| #8 | Rachelle Aaron-PrimeLending, Sr. Loan Originator, NMLS#17958911340 Eagle Dr #2, Baytown, TX 77523, USA | 4.9★ | 78 |
| #9 | Sentinel Mortgage Corporation7232 Eastpoint Blvd, Baytown, TX 77521, USA | — | — |
| #10 | Mortgage, Bank of America4000 Garth Rd, Baytown, TX 77521, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Baytown
Baytown's top-rated mortgage broker with a flawless 5.0-star rating from 41 reviews.
300 N Main St Suite B, Baytown, TX 77520, USA
5.0 stars from 43 reviews, making them a top-rated mortgage broker in Baytown.
801 S Main St, Georgetown, TX 78626, USA
Top-rated Baytown mortgage broker with 4.7 stars from 89 reviews.
2123 N Alexander Dr, Baytown, TX 77520, USA
Baytown's top-rated mortgage broker with a perfect 5.0★ score from 124 reviews.
22118 Market Pl Dr, New Caney, TX 77357, USA
Rated 4.9 stars from 78 Google reviews, this trusted Baytown mortgage broker excels.
11340 Eagle Dr #2, Baytown, TX 77523, USA
Baytown mortgage broker with no online reviews yet, offering a fresh start for clients.
7232 Eastpoint Blvd, Baytown, TX 77521, USA
Baytown mortgage broker with no customer ratings yet based on 0 Google reviews.
4000 Garth Rd, Baytown, TX 77521, USA
5.0 stars from 38 reviews, reflecting exceptional client satisfaction in Baytown.
2770 FM 565, Mont Belvieu, TX 77523, USA
Baytown's top-rated mortgage broker with 4.9 stars from over 140 reviews.
2703 N Alexander Dr, Baytown, TX 77520, USA
Trusted Baytown mortgage broker with 4.5 stars from 64 Google reviews.
3409 Garth Rd, Baytown, TX 77521, USA
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Mortgage Brokers in Baytown, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | World Finance | 87/100 | 4.9 ★ | 567 |
| 2 | Texan Credit Corporation | 87/100 | 4.9 ★ | 480 |
| 3 | Guarantee Mortgage, LLC | 88/100 | 5.0 ★ | 354 |
| 4 | Susana Toledo, Bilingual Mortgage Lender | 79/100 | 5.0 ★ | 41 |
| 5 | Main Street Mortgage | 79/100 | 5.0 ★ | 43 |
| 6 | Toledo Finance | 78/100 | 4.7 ★ | 89 |
| 7 | Thrive Mortgage | 85/100 | 5.0 ★ | 124 |
| 8 | Rachelle Aaron-PrimeLending, Sr. Loan Originator, NMLS#179589 | 80/100 | 4.9 ★ | 78 |
| 9 | Sentinel Mortgage Corporation | 3/100 | — | 0 |
| 10 | Mortgage, Bank of America | 3/100 | — | 0 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Baytown
What does a mortgage broker do differently than going directly to a bank in Baytown?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Baytown?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in TX?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 4, 2026.
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