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Cheap Mortgage Brokers in Cross Roads, TX — Best Prices
Compare mortgage brokers prices in Cross Roads to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Cross Roads, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Highlands Residential Mortgage Denton with a 5.0-star rating from 148 Google reviews and an RNM Score of 86/100. Also in the top tier: Planet Home Lending, LLC - Denton and Fairway Independent Mortgage Corporation. The average rating across all listed mortgage brokers in Cross Roads is 4.9 stars from 78 reviews per business on average.
Mortgage brokers in Cross Roads: 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.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
78
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Top-rated Denton mortgage broker with a perfect 5.0★ rating from over 140 reviews.
2300 San Jacinto Blvd, Denton, TX 76205, USA5.0 stars from 10 Google reviews, reflecting exceptional local client satisfaction.
2701 Wind River Ln Suite B, Denton, TX 76210, USARated 4.9 stars from 141 Google reviews, a top-rated Denton mortgage broker.
2442 Lillian Miller Pkwy #100, Denton, TX 76205, USAMortgage Brokers Rankings in Cross Roads, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Highlands Residential Mortgage Denton2300 San Jacinto Blvd, Denton, TX 76205, USA | 5.0★ | 148 |
| #2 | Planet Home Lending, LLC - Denton2701 Wind River Ln Suite B, Denton, TX 76210, USA | 5.0★ | 10 |
| #3 | Fairway Independent Mortgage Corporation2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA | 4.9★ | 141 |
| #4 | Robert Tokarczyk | Fairway Independent Mortgage Corporation Loan Officer2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA | 5.0★ | 12 |
| #5 | Carlos Rascon, Mortgage Lender NMLS #22607041430 Robinson Rd #530, Corinth, TX 76210, USA | 5.0★ | 26 |
| #6 | Primary Residential Mortgage, Inc. - Lending With Passion Division1430 Robinson Rd #430, Corinth, TX 76210, USA | 5.0★ | 128 |
| #7 | NFM Lending - Denton101 S Locust St Suite 703, Denton, TX 76201, USA | 4.9★ | 133 |
| #8 | Loans with Wes Gregg100 W Oak St Suite G-109, Denton, TX 76201, USA | 5.0★ | 141 |
| #9 | The Mortgage Brewer at Summit Lending100 W Oak St, Denton, TX 76201, USA | 5.0★ | 128 |
| #10 | Academy Mortgage207 W Hickory St #312, Denton, TX 76201, USA | 4.9★ | 37 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Cross Roads
Rated 5.0 stars from 12 Google reviews, this Denton broker is highly trusted.
2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA
Rated 5.0 stars from 26 Google reviews, this Denton mortgage broker is highly trusted.
1430 Robinson Rd #530, Corinth, TX 76210, USA
Top-rated Denton mortgage broker with a flawless 5.0-star rating from over 120 reviews.
1430 Robinson Rd #430, Corinth, TX 76210, USA
Denton mortgage broker with a 4.9-star rating from over 130 Google reviews.
101 S Locust St Suite 703, Denton, TX 76201, USA
Top-rated Denton mortgage broker with a perfect 5.0 rating from over 140 reviews.
100 W Oak St Suite G-109, Denton, TX 76201, USA
Rated 5.0 stars from 128 Google reviews, this Denton mortgage broker is top-rated.
100 W Oak St, Denton, TX 76201, USA
Rated 4.9 stars from 37 Google reviews, this Denton mortgage broker is highly trusted.
207 W Hickory St #312, Denton, TX 76201, USA
Trusted by local clients, this Denton mortgage broker holds a solid 4.3-star rating from 11 reviews.
211 Fort Worth Dr #A, Denton, TX 76201, USA
5.0 stars from a handful of Google reviews shows exceptional local client satisfaction.
400 W Oak St, Denton, TX 76201, USA
Rated 5.0 stars from 23 Google reviews, this Denton mortgage broker is highly trusted.
1908 Hollister Ln, Denton, TX 76210, USA
5.0 stars from 52 reviews, reflecting exceptional client satisfaction in Frisco.
2770 Main St #221, Frisco, TX 75033, USA
5.0-star rating from 75 Google reviews in Frisco, TX.
4400 Main St, Frisco, TX 75033, USA
Consistently rated 4.8 stars from 165 Google reviews for trusted mortgage guidance.
3000 Village Pkwy #400, Highland Village, TX 75077, USA
Rated 5.0 stars from 50 Google reviews, trusted by Flower Mound clients.
2630 Justin Rd Bldg 4, Ste 4206, Highland Village, TX 75077, USA
95 Google reviews with a perfect 5.0-star rating from Richardson clients.
9355 John W. Elliott Dr 25 Suite 25604, Frisco, TX 75033, USA
5.0 stars from over 150 Google reviews in Frisco, TX.
202 S Coleman St Suite 300A, Prosper, TX 75078, USA
5.0 stars from 20 reviews, reflecting exceptional client satisfaction in Frisco.
8519 Brown Stone Ln, Frisco, TX 75033, USA
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Mortgage Brokers in Cross Roads, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Highlands Residential Mortgage Denton | 86/100 | 5.0 ★ | 148 |
| 2 | Planet Home Lending, LLC - Denton | 71/100 | 5.0 ★ | 10 |
| 3 | Fairway Independent Mortgage Corporation | 84/100 | 4.9 ★ | 141 |
| 4 | Robert Tokarczyk | Fairway Independent Mortgage Corporation Loan Officer | 72/100 | 5.0 ★ | 12 |
| 5 | Carlos Rascon, Mortgage Lender NMLS #2260704 | 76/100 | 5.0 ★ | 26 |
| 6 | Primary Residential Mortgage, Inc. - Lending With Passion Division | 85/100 | 5.0 ★ | 128 |
| 7 | NFM Lending - Denton | 83/100 | 4.9 ★ | 133 |
| 8 | Loans with Wes Gregg | 85/100 | 5.0 ★ | 141 |
| 9 | The Mortgage Brewer at Summit Lending | 85/100 | 5.0 ★ | 128 |
| 10 | Academy Mortgage | 76/100 | 4.9 ★ | 37 |
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 Cross Roads
What does a mortgage broker do differently than going directly to a bank in Cross Roads?
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 Cross Roads?
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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