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Top Picks · Melissa
Best Mortgage Brokers in Melissa, 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 20 mortgage brokers in Melissa, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Gail Hillman at CrossCountry Mortgage with a 4.8-star rating from 54 Google reviews and an RNM Score of 88/100. Also in the top tier: Tammy Costas, Mortgage Lender NMLS #316464 and Nathan Carver - Premier Lending, Inc.. The average rating across all listed mortgage brokers in Melissa is 5 stars from 74 reviews per business on average.
Mortgage brokers in Melissa: 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
20
Businesses listed
5★
Avg rating
74
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by local clients with a 4.8-star rating from 54 reviews.
500 S Tennessee St Suite D Office 1, McKinney, TX 75069, USAMcKinney mortgage broker with a perfect 5.0-star rating from 19 reviews.
Serving all of Texas and Oklahoma, 321 N Central Expy #204, McKinney, TX 75070, USATop-rated local mortgage broker with 4.9 stars from 55 Google reviews.
1605 Co Rd 377, Van Alstyne, TX 75495, USAMortgage Brokers Rankings in Melissa, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Gail Hillman at CrossCountry Mortgage500 S Tennessee St Suite D Office 1, McKinney, TX 75069, USA | 4.8★ | 54 |
| #2 | Tammy Costas, Mortgage Lender NMLS #316464Serving all of Texas and Oklahoma, 321 N Central Expy #204, McKinney, TX 75070, USA | 5.0★ | 19 |
| #3 | Nathan Carver - Premier Lending, Inc.1605 Co Rd 377, Van Alstyne, TX 75495, USA | 4.9★ | 55 |
| #4 | Fairway Independent Mortgage Corporation | The Eric White Team2111 Eldorado Pkwy #102, McKinney, TX 75070, USA | 4.9★ | 142 |
| #5 | Ryan Gibson, Senior Mortgage Broker120 E Marshall St Suite B, Van Alstyne, TX 75495, USA | 5.0★ | 48 |
| #6 | Mike Remington - Benchmark Mortgage1402 S Custer Rd #901, McKinney, TX 75072, USA | 5.0★ | 13 |
| #7 | Tom Sherman - Benchmark Mortgage1402 S Custer Rd #901, McKinney, TX 75070, USA | 5.0★ | 82 |
| #8 | CORE Mortgage1402 S Custer Rd #204, McKinney, TX 75072, USA | 4.8★ | 231 |
| #9 | Lendid Home Loans5900 S Lake Forest Dr Ste 300, McKinney, TX 75070, USA | 5.0★ | 204 |
| #10 | Caprock Home Loans130 N Preston Rd, Prosper, TX 75078, USA | 5.0★ | 95 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Melissa
Trusted by locals with a 4.9-star rating from over 140 reviews.
2111 Eldorado Pkwy #102, McKinney, TX 75070, USA
Proudly rated 5.0 stars from 48 Google reviews in Allen, TX.
120 E Marshall St Suite B, Van Alstyne, TX 75495, USA
13 Google reviews give this McKinney mortgage broker a perfect 5.0-star rating.
1402 S Custer Rd #901, McKinney, TX 75072, USA
Rated 5.0 stars from 82 Google reviews, this McKinney broker is highly trusted.
1402 S Custer Rd #901, McKinney, TX 75070, USA
Trusted by over 200 clients with a stellar 4.8-star average rating.
1402 S Custer Rd #204, McKinney, TX 75072, USA
Allen's top-rated mortgage broker with a perfect 5.0★ score from over 200 reviews.
5900 S Lake Forest Dr Ste 300, McKinney, TX 75070, USA
Trusted by 95 clients with a flawless 5.0-star rating in Frisco, TX.
130 N Preston Rd, Prosper, TX 75078, USA
5.0 stars from four reviews, reflecting exceptional client satisfaction in Converse.
130 N Preston Rd Ste 318, Prosper, TX 75078, USA
Boasts a perfect 5.0-star rating from 33 Google reviews.
7300 State Hwy 121 Ste 314, McKinney, TX 75070, USA
Kyle's top-rated mortgage broker with a perfect 5.0 stars from 21 reviews.
7300 State Hwy 121 Ste 314, McKinney, TX 75070, USA
5.0 stars from 65 Google reviews, reflecting exceptional client satisfaction.
7300 State Hwy 121 suite 300, McKinney, TX 75070, USA
Top-rated Allen mortgage broker with a flawless 5.0-star rating from early clients.
945 Stockton Dr #8100, Allen, TX 75013, USA
Earned a 4.9-star rating from 155 Google reviews, reflecting exceptional client satisfaction.
14083 Badlands Dr, Frisco, TX 75035, USA
59 Google reviews yield a perfect 5.0-star rating for this Allen mortgage broker.
1020 W Exchange Pkwy Suite 1130, Allen, TX 75013, USA
5.0 stars from 22 Google reviews, reflecting exceptional client satisfaction.
6800 Weiskopf Ave suite 150, McKinney, TX 75070, USA
Trusted by 87 clients with a perfect 5.0-star rating on Google.
1002 Raintree Cir STE 100, Allen, TX 75013, USA
Earned a perfect 5.0-star rating from nearly 90 Google reviews in Allen.
800 North Watters Road Suite 180, Allen, TX 75013, USA
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Mortgage Brokers in Melissa, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Gail Hillman at CrossCountry Mortgage | 88/100 | 4.8 ★ | 54 |
| 2 | Tammy Costas, Mortgage Lender NMLS #316464 | 86/100 | 5.0 ★ | 19 |
| 3 | Nathan Carver - Premier Lending, Inc. | 82/100 | 4.9 ★ | 55 |
| 4 | Fairway Independent Mortgage Corporation | The Eric White Team | 87/100 | 4.9 ★ | 142 |
| 5 | Ryan Gibson, Senior Mortgage Broker | 79/100 | 5.0 ★ | 48 |
| 6 | Mike Remington - Benchmark Mortgage | 76/100 | 5.0 ★ | 13 |
| 7 | Tom Sherman - Benchmark Mortgage | 86/100 | 5.0 ★ | 82 |
| 8 | CORE Mortgage | 96/100 | 4.8 ★ | 231 |
| 9 | Lendid Home Loans | 99/100 | 5.0 ★ | 204 |
| 10 | Caprock Home Loans | 83/100 | 5.0 ★ | 95 |
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 Melissa
What does a mortgage broker do differently than going directly to a bank in Melissa?
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 Melissa?
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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