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We don't have mortgage brokers listed specifically in Commerce yet — these top-rated pros from Rowlett serve your area and are available for calls and quotes today.
10+ Years · Commerce
Experienced Mortgage Brokers in Commerce, TX
Experience matters. These mortgage brokers in Commerce have years of proven work behind them — and the reviews to back it up.
As of July 2026, RatingsNearMe ranks 5 mortgage brokers in Commerce, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Stone Lake Mortgage with a 4.8-star rating from 117 Google reviews and an RNM Score of 81/100. Also in the top tier: Dennis P Hudson "The Mortgage Gentleman" and THE JZ TEAM-SOUTHWEST FUNDING, LP. The average rating across all listed mortgage brokers in Commerce is 4.8 stars from 40 reviews per business on average.
Mortgage brokers in Commerce: 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.
Local Market Snapshot
5
Businesses listed
4.8★
Avg rating
40
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Rowlett mortgage broker with a 4.8-star rating from 117 reviews.
4780 Co Rd 3521, Greenville, TX 75402, USARockwall mortgage broker with a perfect 5.0 rating from 15 Google reviews.
2931 Ridge Rd W ste 101 1093, Rockwall, TX 75032, USARockwall mortgage broker with a strong 4.5-star rating from 8 reviews.
1650 S John King Blvd Suite A, Rockwall, TX 75032, USAMortgage Brokers Rankings in Commerce, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Stone Lake Mortgage4780 Co Rd 3521, Greenville, TX 75402, USA | 4.8★ | 117 |
| #2 | Dennis P Hudson "The Mortgage Gentleman"2931 Ridge Rd W ste 101 1093, Rockwall, TX 75032, USA | 5.0★ | 15 |
| #3 | THE JZ TEAM-SOUTHWEST FUNDING, LP1650 S John King Blvd Suite A, Rockwall, TX 75032, USA | 4.5★ | 8 |
| #4 | Rockwall Mortgage Co105 W Kaufman St, Rockwall, TX 75087, USA | 5.0★ | 4 |
| #5 | Nathan Carver - Premier Lending, Inc.1605 Co Rd 377, Van Alstyne, TX 75495, USA | 4.9★ | 55 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Commerce
Rockwall mortgage broker with a flawless 5.0-star rating from 4 Google reviews.
105 W Kaufman St, Rockwall, TX 75087, USA
Top-rated local mortgage broker with 4.9 stars from 55 Google reviews.
1605 Co Rd 377, Van Alstyne, TX 75495, USA
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Mortgage Brokers in Commerce, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Stone Lake Mortgage | 81/100 | 4.8 ★ | 117 |
| 2 | Dennis P Hudson "The Mortgage Gentleman" | 73/100 | 5.0 ★ | 15 |
| 3 | THE JZ TEAM-SOUTHWEST FUNDING, LP | 62/100 | 4.5 ★ | 8 |
| 4 | Rockwall Mortgage Co | 67/100 | 5.0 ★ | 4 |
| 5 | Nathan Carver - Premier Lending, Inc. | 82/100 | 4.9 ★ | 55 |
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 Commerce
What does a mortgage broker do differently than going directly to a bank in Commerce?
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 Commerce?
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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