Local Pros · Cedar Park
Local Mortgage Brokers in Cedar Park, TX
Locally owned and operated mortgage brokers serving Cedar Park and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 14 mortgage brokers in Cedar Park, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Benchmark Mortgage with a 5.0-star rating from 74 Google reviews and an RNM Score of 82/100. Also in the top tier: Forty Acres Lending and Jana Merchant at CrossCountry Mortgage. The average rating across all listed mortgage brokers in Cedar Park is 5 stars from 22 reviews per business on average.
Mortgage brokers in Cedar Park: 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
Kristi Rendon, Mortgage Loan Officer, Austin TX, Annie Mac Home Mortgage
Kristi Rendon is frequently recognized as a top-ranked mortgage broker in Cedar Park due to her strong local reputation and consistent client satisfaction.
Most Reviewed
Kristi Rendon, Mortgage Loan Officer, Austin TX, Annie Mac Home Mortgage
A high number of reviews indicates a large base of past clients, which can provide more reliable insight into the broker's service quality and reliability.
When choosing a mortgage broker in Cedar Park, compare both online reviews and personal referrals to ensure you find a broker who communicates clearly and offers competitive rates. Always verify licensing and read recent feedback to gauge current service levels.
Local Market Snapshot
14
Businesses listed
5★
Avg rating
22
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from 74 Google reviews, this Cedar Park broker is highly trusted.
715 Discovery Blvd Suite 212, Cedar Park, TX 78613, USA5.0 stars from 53 Google reviews, reflecting exceptional client satisfaction.
13809 Research Blvd Suite 500, Austin, TX 78750, USAPraised by clients with a perfect 5.0-star rating across 34 reviews.
1464 E Whitestone Blvd, Cedar Park, TX 78613, USAMortgage Brokers Rankings in Cedar Park, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Benchmark Mortgage715 Discovery Blvd Suite 212, Cedar Park, TX 78613, USA | 5.0★ | 74 |
| #2 | Forty Acres Lending13809 Research Blvd Suite 500, Austin, TX 78750, USA | 5.0★ | 53 |
| #3 | Jana Merchant at CrossCountry Mortgage1464 E Whitestone Blvd, Cedar Park, TX 78613, USA | 5.0★ | 34 |
| #4 | Russell Stout | Texas Mortgage Consultants8805 Lemens Spice Trail, Austin, TX 78750, USA | 5.0★ | 9 |
| #5 | Josh Bibler - Encompass Lending Group301 Denali Pass Dr #1, Cedar Park, TX 78613, USA | 5.0★ | 31 |
| #6 | Toby Thurman - Encompass Lending301 Denali Pass Dr Unit #1, Cedar Park, TX 78613, USA | 5.0★ | 12 |
| #7 | Motto Mortgage Home Town - NMLS 1896076305 Denali Pass Dr Ste D, Cedar Park, TX 78613, USA | 4.6★ | 10 |
| #8 | Good Faith Mortgage, Mortgage Brokers, Fred Wendland, Austin, TX3000 Polar Ln Suite 502, Cedar Park, TX 78613, USA | 5.0★ | 18 |
| #9 | Nina Thomason - Good Faith Mortgage LLC3000 Polar Ln Suite 502, Cedar Park, TX 78613, USA | 5.0★ | 18 |
| #10 | Kristi Rendon, Mortgage Loan Officer, Austin TX, Annie Mac Home Mortgage1464 E Whitestone Blvd STE 1302, Cedar Park, TX 78613, USA | 5.0★ | 13 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Cedar Park
5.0 stars from 9 reviews, reflecting exceptional client satisfaction in Cedar Park.
8805 Lemens Spice Trail, Austin, TX 78750, USA
Trusted by locals with a flawless 5.0 rating from 31 Google reviews.
301 Denali Pass Dr #1, Cedar Park, TX 78613, USA
Rated 5.0 stars from 12 Google reviews, this Cedar Park mortgage broker is highly trusted.
301 Denali Pass Dr Unit #1, Cedar Park, TX 78613, USA
Trusted by clients with a strong 4.6-star rating from 10 reviews.
305 Denali Pass Dr Ste D, Cedar Park, TX 78613, USA
5.0 stars from 18 reviews, reflecting exceptional client satisfaction in Cedar Park.
3000 Polar Ln Suite 502, Cedar Park, TX 78613, USA
5.0 stars from 18 reviews, reflecting exceptional local mortgage service.
3000 Polar Ln Suite 502, Cedar Park, TX 78613, USA
5.0 stars from 13 Google reviews, reflecting exceptional client satisfaction.
1464 E Whitestone Blvd STE 1302, Cedar Park, TX 78613, USA
5.0★ rating from 6 reviews reflects exceptional client service.
301 Denali Pass Dr #1, Cedar Park, TX 78613, USA
Cedar Park mortgage broker with a perfect 5.0★ rating from 2 customer reviews.
1907 Cypress Creek Road #103, Cedar Park, TX 78613, USA
5.0-star rating from 1 Google review for this Cedar Park mortgage broker.
1907 Carriage Club Dr Ste. C, Cedar Park, TX 78613, USA
5.0 stars from 29 Google reviews, reflecting exceptional client satisfaction.
301 Denali Pass Dr #1, Cedar Park, TX 78613, USA
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Mortgage Brokers in Cedar Park, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Benchmark Mortgage | 82/100 | 5.0 ★ | 74 |
| 2 | Forty Acres Lending | 80/100 | 5.0 ★ | 53 |
| 3 | Jana Merchant at CrossCountry Mortgage | 78/100 | 5.0 ★ | 34 |
| 4 | Russell Stout | Texas Mortgage Consultants | 71/100 | 5.0 ★ | 9 |
| 5 | Josh Bibler - Encompass Lending Group | 77/100 | 5.0 ★ | 31 |
| 6 | Toby Thurman - Encompass Lending | 72/100 | 5.0 ★ | 12 |
| 7 | Motto Mortgage Home Town - NMLS 1896076 | 65/100 | 4.6 ★ | 10 |
| 8 | Good Faith Mortgage, Mortgage Brokers, Fred Wendland, Austin, TX | 74/100 | 5.0 ★ | 18 |
| 9 | Nina Thomason - Good Faith Mortgage LLC | 74/100 | 5.0 ★ | 18 |
| 10 | Kristi Rendon, Mortgage Loan Officer, Austin TX, Annie Mac Home Mortgage | 73/100 | 5.0 ★ | 13 |
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 Cedar Park
What does a mortgage broker do differently than going directly to a bank in Cedar Park?
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 Cedar Park?
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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