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Real Reviews · Cross Roads
Top-Reviewed Mortgage Brokers in Cross Roads, TX
What are customers actually saying? Read verified reviews for mortgage brokers in Cross Roads — every rating is from a real customer.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Cross Roads, TX by verified customer ratings and review volume. The highest-rated is Highlands Residential Mortgage Denton with a 5.0-star rating from 148 verified reviews. Also in the top tier: Planet Home Lending, LLC - Denton and Robert Tokarczyk | Fairway Independent Mortgage Corporation Loan Officer. 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 May 17, 2026 · Scored by 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
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Highlands Residential Mortgage Denton
2300 San Jacinto Blvd, Denton, TX 76205, USA
Planet Home Lending, LLC - Denton
2701 Wind River Ln Suite B, Denton, TX 76210, USA
Robert Tokarczyk | Fairway Independent Mortgage Corporation Loan Officer
2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA
Mortgage 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 | Robert Tokarczyk | Fairway Independent Mortgage Corporation Loan Officer2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA | 5.0★ | 12 |
| #4 | Fairway Independent Mortgage Corporation2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA | 4.9★ | 141 |
| #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 | The Mortgage Brewer at Summit Lending100 W Oak St, Denton, TX 76201, USA | 5.0★ | 128 |
| #9 | Loans with Wes Gregg100 W Oak St Suite G-109, Denton, TX 76201, USA | 5.0★ | 141 |
| #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 May 2026
All Mortgage Brokers in Cross Roads
Fairway Independent Mortgage Corporation
2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA
Carlos Rascon, Mortgage Lender NMLS #2260704
1430 Robinson Rd #530, Corinth, TX 76210, USA
Primary Residential Mortgage, Inc. - Lending With Passion Division
1430 Robinson Rd #430, Corinth, TX 76210, USA
NFM Lending - Denton
101 S Locust St Suite 703, Denton, TX 76201, USA
The Mortgage Brewer at Summit Lending
100 W Oak St, Denton, TX 76201, USA
Loans with Wes Gregg
100 W Oak St Suite G-109, Denton, TX 76201, USA
Academy Mortgage
207 W Hickory St #312, Denton, TX 76201, USA
Affiliated Mortgage Lending
211 Fort Worth Dr #A, Denton, TX 76201, USA
Alexandra O'Malley - Mortgage Advisor
400 W Oak St, Denton, TX 76201, USA
Cultivate Mortgage
1908 Hollister Ln, Denton, TX 76210, USA
Alliance Mortgage Group
2770 Main St #221, Frisco, TX 75033, USA
The Rodney Anderson Team with NFM Lending
3000 Village Pkwy #400, Highland Village, TX 75077, USA
Michelle Long
2630 Justin Rd Bldg 4, Ste 4206, Highland Village, TX 75077, USA
Richardson Mortgage
9355 John W. Elliott Dr 25 Suite 25604, Frisco, TX 75033, USA
Justin Hill - Eagle Mortgage Company - NMLS# 2009477
202 S Coleman St Suite 300A, Prosper, TX 75078, USA
McGee Residential Mortgage, LLC
8519 Brown Stone Ln, Frisco, TX 75033, USA
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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: May 17, 2026.
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