Pricing Guide · Pearland
Mortgage Brokers Cost in Pearland, TX — 2026 Price Guide
What should you pay for mortgage brokers in Pearland? See real 2026 price ranges from local pros and get free quotes to compare.
As of July 2026, RatingsNearMe ranks 11 mortgage brokers in Pearland, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is LB Lending with a 5.0-star rating from 116 Google reviews and an RNM Score of 96/100. Also in the top tier: Jose Alvarez TX Lender Clear Home Loans Inc and Clear Home Loans, Danny Alvarez, VP Of Mortgage Lending. The average rating across all listed mortgage brokers in Pearland is 5 stars from 45 reviews per business on average.
Mortgage brokers in Pearland: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Esperanza Garcia - Clear Choice Home Loans, LLC
Esperanza Garcia is top-ranked for her strong local reputation and personalized service in Pearland.
Most Reviewed
Esperanza Garcia - Clear Choice Home Loans, LLC
A high review count indicates broad customer trust and consistent service quality.
When choosing a mortgage broker in Pearland, compare loan options and fees from multiple brokers, and read recent reviews to ensure they align with your specific needs.
Local Market Snapshot
11
Businesses listed
5★
Avg rating
45
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Pearland's top-rated mortgage broker with a perfect 5.0★ from 116 reviews.
2880 Broadway Bend Dr Building 3, Pearland, TX 77584, USAPearland's top-rated mortgage broker with a perfect 5.0★ score from 173 reviews.
11960 W Broadway St Suite 220, Pearland, TX 77584, USA5.0-star rating from 55 Google reviews for a trusted Pearland mortgage broker.
11960 W Broadway St Ste. 220, Pearland, TX 77584, USAMortgage Brokers Rankings in Pearland, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | LB Lending2880 Broadway Bend Dr Building 3, Pearland, TX 77584, USA | 5.0★ | 116 |
| #2 | Jose Alvarez TX Lender Clear Home Loans Inc11960 W Broadway St Suite 220, Pearland, TX 77584, USA | 5.0★ | 173 |
| #3 | Clear Home Loans, Danny Alvarez, VP Of Mortgage Lending11960 W Broadway St Ste. 220, Pearland, TX 77584, USA | 5.0★ | 55 |
| #4 | Mortgage Associates1506 E Broadway St Suite 102, Pearland, TX 77581, USA | 5.0★ | 41 |
| #5 | Esperanza Garcia - Clear Choice Home Loans, LLC11960 W Broadway St Ste 220, Pearland, TX 77584, USA | 5.0★ | 12 |
| #6 | Clear Home Loans Inc: Eugenio Guajardo, VP of Mortgage Lending11960 W Broadway St suite 220, Pearland, TX 77584, USA | 5.0★ | 12 |
| #7 | Mortgage Options Of Texas LLC2404 S Grand Blvd #220A, Pearland, TX 77581, USA | 4.8★ | 20 |
| #8 | Gateway Mortgage Group1000 Broadway St #110b, Pearland, TX 77581, USA | 5.0★ | 3 |
| #9 | Flagstone Financial - Mortgage4900 Woodway Dr Ste 1060, Houston, TX 77056, USA | 4.9★ | 56 |
| #10 | Yesenia Benavides Lender VP Clear Home Loans Inc.11960 W Broadway St Suite 220, Pearland, TX 77584, USA | 5.0★ | 7 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Pearland
Pearland's top-rated mortgage broker with a perfect 5.0★ rating from 41 reviews.
1506 E Broadway St Suite 102, Pearland, TX 77581, USA
5.0-star rating from 12 Google reviews in Pearland, TX.
11960 W Broadway St Ste 220, Pearland, TX 77584, USA
5.0 stars from 12 Google reviews, reflecting exceptional local client satisfaction.
11960 W Broadway St suite 220, Pearland, TX 77584, USA
Rated 4.8 stars from 20 Google reviews, a trusted local mortgage choice.
2404 S Grand Blvd #220A, Pearland, TX 77581, USA
Trusted Pearland mortgage broker with a perfect 5.0-star rating from recent clients.
1000 Broadway St #110b, Pearland, TX 77581, USA
Pearland mortgage broker with a 4.9-star rating from over 50 Google reviews.
4900 Woodway Dr Ste 1060, Houston, TX 77056, USA
Trusted Pearland mortgage broker with a perfect 5.0 rating from 7 reviews.
11960 W Broadway St Suite 220, Pearland, TX 77584, USA
5.0 stars from 5 Google reviews, reflecting exceptional local client satisfaction.
2743 Smith Ranch Rd Unit 303, Pearland, TX 77584, USA
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Mortgage Brokers in Pearland, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | LB Lending | 96/100 | 5.0 ★ | 116 |
| 2 | Jose Alvarez TX Lender Clear Home Loans Inc | 90/100 | 5.0 ★ | 173 |
| 3 | Clear Home Loans, Danny Alvarez, VP Of Mortgage Lending | 84/100 | 5.0 ★ | 55 |
| 4 | Mortgage Associates | 79/100 | 5.0 ★ | 41 |
| 5 | Esperanza Garcia - Clear Choice Home Loans, LLC | 84/100 | 5.0 ★ | 12 |
| 6 | Clear Home Loans Inc: Eugenio Guajardo, VP of Mortgage Lending | 84/100 | 5.0 ★ | 12 |
| 7 | Mortgage Options Of Texas LLC | 83/100 | 4.8 ★ | 20 |
| 8 | Gateway Mortgage Group | 69/100 | 5.0 ★ | 3 |
| 9 | Flagstone Financial - Mortgage | 79/100 | 4.9 ★ | 56 |
| 10 | Yesenia Benavides Lender VP Clear Home Loans Inc. | 70/100 | 5.0 ★ | 7 |
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 Pearland
What does a mortgage broker do differently than going directly to a bank in Pearland?
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 Pearland?
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 5, 2026.
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