Top Picks · San Marcos
Best Mortgage Brokers in San Marcos, 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 10 mortgage brokers in San Marcos, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is One Real Mortgage with a 5.0-star rating from 1,242 Google reviews and an RNM Score of 100/100. Also in the top tier: The Wood Group of Fairway Independent Mortgage Corp. and Tower Loan. The average rating across all listed mortgage brokers in San Marcos is 4.9 stars from 204 reviews per business on average.
Mortgage brokers in San Marcos: 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
Travis Cummings, PrimeLending NMLS#819313
Travis Cummings is top-ranked for combining local expertise with strong customer satisfaction and a wide range of loan products.
Most Reviewed
The Wood Group of Fairway Independent Mortgage Corp.
A high review count indicates proven reliability and trust from many past clients.
Compare rates and fees among multiple brokers, and verify licensing via NMLS. Local expertise in San Marcos can help navigate regional market conditions and down payment assistance programs.
Local Market Snapshot
10
Businesses listed
4.9★
Avg rating
204
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Top-rated San Marcos mortgage broker with a perfect 5.0 score from 1,242 reviews.
400 Renaissance Center Suite 2600, office 2620, Detroit, MI 48243, USA5.0 stars from 353 Google reviews, reflecting exceptional client satisfaction.
748 W San Antonio St, New Braunfels, TX 78130, USATop-rated San Marcos mortgage broker with a perfect 5.0★ rating from 139 reviews.
208 W San Antonio St, San Marcos, TX 78666, USAMortgage Brokers Rankings in San Marcos, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | One Real Mortgage400 Renaissance Center Suite 2600, office 2620, Detroit, MI 48243, USA | 5.0★ | 1,242 |
| #2 | The Wood Group of Fairway Independent Mortgage Corp.748 W San Antonio St, New Braunfels, TX 78130, USA | 5.0★ | 353 |
| #3 | Tower Loan208 W San Antonio St, San Marcos, TX 78666, USA | 5.0★ | 139 |
| #4 | Travis Cummings, PrimeLending NMLS#8193131913 Dutton Dr #305, San Marcos, TX 78666, USA | 4.9★ | 34 |
| #5 | OneMain Financial929 TX-80 Unit B, San Marcos, TX 78666, USA | 4.1★ | 30 |
| #6 | Republic Finance900 Bugg Ln Suite 235, San Marcos, TX 78666, USA | 5.0★ | 5 |
| #7 | PNC Mortgage300 S L B J Dr, San Marcos, TX 78666, USA | 5.0★ | 1 |
| #8 | Blue Sky Mortgage Company2700 Hunter Rd # B, San Marcos, TX 78666, USA | 5.0★ | 9 |
| #9 | Acceptance Home Mortgage Corp.174 S Guadalupe St #102, San Marcos, TX 78666, USA | 5.0★ | 2 |
| #10 | DHI Mortgage10700 Pecan Park Blvd #120, Austin, TX 78750, USA | 4.6★ | 222 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in San Marcos
Trusted San Marcos mortgage broker with a 4.9-star rating from 34 reviews.
1913 Dutton Dr #305, San Marcos, TX 78666, USA
4.1 stars from 30 reviews, showing solid local reputation.
929 TX-80 Unit B, San Marcos, TX 78666, USA
Exceptional 5.0-star rating based on 5 Google reviews from local clients.
900 Bugg Ln Suite 235, San Marcos, TX 78666, USA
Exceptional 5.0-star rating from multiple Google reviews in San Marcos.
300 S L B J Dr, San Marcos, TX 78666, USA
5.0 stars from 9 Google reviews, reflecting exceptional client satisfaction.
2700 Hunter Rd # B, San Marcos, TX 78666, USA
5.0-star rating from 2 reviews in San Marcos.
174 S Guadalupe St #102, San Marcos, TX 78666, USA
Trusted by over 200 clients, this San Marcos broker holds a strong 4.6-star rating.
10700 Pecan Park Blvd #120, Austin, TX 78750, USA
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Mortgage Brokers in San Marcos, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | One Real Mortgage | 100/100 | 5.0 ★ | 1,242 |
| 2 | The Wood Group of Fairway Independent Mortgage Corp. | 100/100 | 5.0 ★ | 353 |
| 3 | Tower Loan | 85/100 | 5.0 ★ | 139 |
| 4 | Travis Cummings, PrimeLending NMLS#819313 | 88/100 | 4.9 ★ | 34 |
| 5 | OneMain Financial | 62/100 | 4.1 ★ | 30 |
| 6 | Republic Finance | 68/100 | 5.0 ★ | 5 |
| 7 | PNC Mortgage | 62/100 | 5.0 ★ | 1 |
| 8 | Blue Sky Mortgage Company | 71/100 | 5.0 ★ | 9 |
| 9 | Acceptance Home Mortgage Corp. | 64/100 | 5.0 ★ | 2 |
| 10 | DHI Mortgage | 81/100 | 4.6 ★ | 222 |
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 San Marcos
What does a mortgage broker do differently than going directly to a bank in San Marcos?
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 San Marcos?
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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