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Pricing Guide · Commerce
Mortgage Brokers Cost in Commerce, TX — 2026 Price Guide
What should you pay for mortgage brokers in Commerce? See real 2026 price ranges from local pros and get free quotes to compare.
As of May 2026, RatingsNearMe ranks 5 mortgage brokers in Commerce, TX by verified customer ratings and review volume. The highest-rated is Stone Lake Mortgage with a 4.8-star rating from 117 verified reviews. Also in the top tier: Dennis P Hudson "The Mortgage Gentleman" and THE JZ TEAM-SOUTHWEST FUNDING, LP. The average rating across all listed mortgage brokers in Commerce is 4.8 stars from 40 reviews per business on average.
Mortgage brokers in Commerce: 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
5
Businesses listed
4.8★
Avg rating
40
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Stone Lake Mortgage
4780 Co Rd 3521, Greenville, TX 75402, USA
Dennis P Hudson "The Mortgage Gentleman"
2931 Ridge Rd W ste 101 1093, Rockwall, TX 75032, USA
THE JZ TEAM-SOUTHWEST FUNDING, LP
1650 S John King Blvd Suite A, Rockwall, TX 75032, USA
Mortgage Brokers Rankings in Commerce, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Stone Lake Mortgage4780 Co Rd 3521, Greenville, TX 75402, USA | 4.8★ | 117 |
| #2 | Dennis P Hudson "The Mortgage Gentleman"2931 Ridge Rd W ste 101 1093, Rockwall, TX 75032, USA | 5.0★ | 15 |
| #3 | THE JZ TEAM-SOUTHWEST FUNDING, LP1650 S John King Blvd Suite A, Rockwall, TX 75032, USA | 4.5★ | 8 |
| #4 | Rockwall Mortgage Co105 W Kaufman St, Rockwall, TX 75087, USA | 5.0★ | 4 |
| #5 | Nathan Carver - Premier Lending, Inc.1605 Co Rd 377, Van Alstyne, TX 75495, USA | 4.9★ | 55 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Commerce
Rockwall Mortgage Co
105 W Kaufman St, Rockwall, TX 75087, USA
Nathan Carver - Premier Lending, Inc.
1605 Co Rd 377, Van Alstyne, TX 75495, USA
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Frequently Asked Questions — Mortgage Brokers in Commerce
What does a mortgage broker do differently than going directly to a bank in Commerce?
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 Commerce?
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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