Top Picks · Garland
Best Mortgage Brokers in Garland, 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 12 mortgage brokers in Garland, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Fairway Independent Mortgage Corporation with a 5.0-star rating from 281 Google reviews and an RNM Score of 100/100. Also in the top tier: Lock It Mortgage and USA Mortgage Group. The average rating across all listed mortgage brokers in Garland is 4.8 stars from 201 reviews per business on average.
Mortgage brokers in Garland: 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
The Cooksey Branch of Cross Country Mortgage, LLC.
The Cooksey Branch of Cross Country Mortgage, LLC. stands out for its strong local reputation and comprehensive mortgage services in Garland.
Most Reviewed
The Cooksey Branch of Cross Country Mortgage, LLC.
A high review count indicates proven reliability and customer trust, helping consumers feel confident in their choice.
When choosing a mortgage broker in Garland, compare loan options and fees across multiple brokers, and read recent reviews to ensure they align with your specific needs.
Local Market Snapshot
12
Businesses listed
4.8★
Avg rating
201
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by over 280 clients with a perfect 5.0-star rating in Garland.
375 Cedar Sage Dr #250, Garland, TX 75040, USA5.0-star rating from over 745 Google reviews in Garland, Texas.
3901 W Walnut St, Garland, TX 75042, USAEarning a 4.9-star rating from 152 Google reviews, this broker is highly trusted locally.
4001 McEwen Rd #408, Dallas, TX 75244, USAMortgage Brokers Rankings in Garland, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Fairway Independent Mortgage Corporation375 Cedar Sage Dr #250, Garland, TX 75040, USA | 5.0★ | 281 |
| #2 | Lock It Mortgage3901 W Walnut St, Garland, TX 75042, USA | 5.0★ | 745 |
| #3 | USA Mortgage Group4001 McEwen Rd #408, Dallas, TX 75244, USA | 4.9★ | 152 |
| #4 | Promise Mortgage LLC4306 Curlew Ln, Garland, TX 75043, USA | 5.0★ | 61 |
| #5 | Fairway Home Mortgage - The Heritage Group1417 E Interstate 30 Suite 5, Garland, TX 75043, USA | 4.9★ | 222 |
| #6 | The Modern Lending Group7214 S State Hwy 78 #10, Sachse, TX 75048, USA | 5.0★ | 27 |
| #7 | August REI3960 Broadway Blvd #107, Garland, TX 75043, USA | 4.5★ | 570 |
| #8 | George Rodriguez - Mortgage Broker5050 Quorum Dr #600, Dallas, TX 75254, USA | 5.0★ | 5 |
| #9 | Lightning Lending3544 W Walnut St, Garland, TX 75042, USA | — | — |
| #10 | Not Your Average Lender310 E Interstate 30 Suite M101, Garland, TX 75043, USA | 3.9★ | 30 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Garland
5.0-star rating from 61 Google reviews for a Garland mortgage broker.
4306 Curlew Ln, Garland, TX 75043, USA
Top-rated Garland mortgage broker with 4.9 stars from over 200 Google reviews.
1417 E Interstate 30 Suite 5, Garland, TX 75043, USA
Earns a perfect 5.0-star rating from 27 reviews in Garland.
7214 S State Hwy 78 #10, Sachse, TX 75048, USA
Trusted by hundreds of local clients, earning a strong 4.5-star rating from 570 reviews.
3960 Broadway Blvd #107, Garland, TX 75043, USA
Proudly maintains a perfect 5.0-star rating from a handful of Google reviews.
5050 Quorum Dr #600, Dallas, TX 75254, USA
Local mortgage broker in Garland, TX with no customer reviews yet.
3544 W Walnut St, Garland, TX 75042, USA
A local mortgage broker with 30 Google reviews averaging 3.9 stars in Garland, TX.
310 E Interstate 30 Suite M101, Garland, TX 75043, USA
4.9 stars from 41 reviews, reflecting exceptional client satisfaction in Garland.
3112 N Jupiter Rd #213A, Garland, TX 75044, USA
Earned a perfect 5.0-star rating from 78 Google reviews in Garland, TX.
15851 Dallas Pkwy Suite 700, Addison, TX 75001, USA
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Mortgage Brokers in Garland, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Fairway Independent Mortgage Corporation | 100/100 | 5.0 ★ | 281 |
| 2 | Lock It Mortgage | 88/100 | 5.0 ★ | 745 |
| 3 | USA Mortgage Group | 96/100 | 4.9 ★ | 152 |
| 4 | Promise Mortgage LLC | 84/100 | 5.0 ★ | 61 |
| 5 | Fairway Home Mortgage - The Heritage Group | 89/100 | 4.9 ★ | 222 |
| 6 | The Modern Lending Group | 76/100 | 5.0 ★ | 27 |
| 7 | August REI | 80/100 | 4.5 ★ | 570 |
| 8 | George Rodriguez - Mortgage Broker | 68/100 | 5.0 ★ | 5 |
| 9 | Lightning Lending | 3/100 | — | 0 |
| 10 | Not Your Average Lender | 58/100 | 3.9 ★ | 30 |
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 Garland
What does a mortgage broker do differently than going directly to a bank in Garland?
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 Garland?
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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