10+ Years · Baytown
Experienced Mortgage Brokers in Baytown, TX
Experience matters. These mortgage brokers in Baytown have years of proven work behind them — and the reviews to back it up.
As of May 2026, RatingsNearMe ranks 13 mortgage brokers in Baytown, TX by verified customer ratings and review volume. The highest-rated is World Finance with a 4.9-star rating from 567 verified reviews. Also in the top tier: Texan Credit Corporation and Guarantee Mortgage, LLC. The average rating across all listed mortgage brokers in Baytown is 4.9 stars from 184 reviews per business on average.
Mortgage brokers in Baytown: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
13
Businesses listed
4.9★
Avg rating
184
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
World Finance
2215-B N Alexander Dr, Baytown, TX 77520, USA
Texan Credit Corporation
2225 N Alexander Dr, Baytown, TX 77520, USA
Guarantee Mortgage, LLC
2770 North Farm to Market 565 Road, Mont Belvieu, TX 77523, USA
Mortgage Brokers Rankings in Baytown, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | World Finance2215-B N Alexander Dr, Baytown, TX 77520, USA | 4.9★ | 567 |
| #2 | Texan Credit Corporation2225 N Alexander Dr, Baytown, TX 77520, USA | 4.9★ | 480 |
| #3 | Guarantee Mortgage, LLC2770 North Farm to Market 565 Road, Mont Belvieu, TX 77523, USA | 5.0★ | 354 |
| #4 | Susana Toledo, Bilingual Mortgage Lender300 N Main St Suite B, Baytown, TX 77520, USA | 5.0★ | 41 |
| #5 | Rachelle Aaron-PrimeLending, Sr. Loan Originator, NMLS#17958911340 Eagle Dr #2, Baytown, TX 77523, USA | 4.9★ | 78 |
| #6 | Toledo Finance2123 N Alexander Dr, Baytown, TX 77520, USA | 4.7★ | 89 |
| #7 | Sentinel Mortgage Corporation7232 Eastpoint Blvd, Baytown, TX 77521, USA | — | — |
| #8 | Security Finance2703 N Alexander Dr, Baytown, TX 77520, USA | 4.9★ | 145 |
| #9 | Mortgage, Bank of America4000 Garth Rd, Baytown, TX 77521, USA | — | — |
| #10 | Main Street Mortgage801 S Main St, Georgetown, TX 78626, USA | 5.0★ | 43 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Baytown
Susana Toledo, Bilingual Mortgage Lender
300 N Main St Suite B, Baytown, TX 77520, USA
Rachelle Aaron-PrimeLending, Sr. Loan Originator, NMLS#179589
11340 Eagle Dr #2, Baytown, TX 77523, USA
Toledo Finance
2123 N Alexander Dr, Baytown, TX 77520, USA
Sentinel Mortgage Corporation
7232 Eastpoint Blvd, Baytown, TX 77521, USA
Security Finance
2703 N Alexander Dr, Baytown, TX 77520, USA
Mortgage, Bank of America
4000 Garth Rd, Baytown, TX 77521, USA
Main Street Mortgage
801 S Main St, Georgetown, TX 78626, USA
Thrive Mortgage
22118 Market Pl Dr, New Caney, TX 77357, USA
Blake Hutto at Guarantee Mortgage
2770 FM 565, Mont Belvieu, TX 77523, USA
Regional Finance
3409 Garth Rd, Baytown, TX 77521, USA
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Frequently Asked Questions — Mortgage Brokers in Baytown
What does a mortgage broker do differently than going directly to a bank in Baytown?
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 Baytown?
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: May 17, 2026.
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