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Real Reviews · Federal Way
Top-Reviewed Mortgage Brokers in Federal Way, TX
What are customers actually saying? Read verified reviews for mortgage brokers in Federal Way — every rating is from a real customer.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Federal Way, TX by verified customer ratings and review volume. The highest-rated is Waterstone Mortgage - Keller, TX with a 5.0-star rating from 221 verified reviews. Also in the top tier: Sean Bone at Guaranteed Rate Affinity (NMLS #197443) and Lori Kolbye Team, Mortgage Advisor nmls 2085158. The average rating across all listed mortgage brokers in Federal Way is 4.9 stars from 79 reviews per business on average.
Mortgage brokers in Federal Way: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 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
79
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
Waterstone Mortgage - Keller, TX
550 Reserve St Suite 250, Offices 220 & 221, Southlake, TX 76092, USA
Sean Bone at Guaranteed Rate Affinity (NMLS #197443)
550 Reserve St Suite 250, Office 246, Southlake, TX 76092, USA
Lori Kolbye Team, Mortgage Advisor nmls 2085158
550 Reserve St #190, Southlake, TX 76092, USA
Mortgage Brokers Rankings in Federal Way, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Waterstone Mortgage - Keller, TX550 Reserve St Suite 250, Offices 220 & 221, Southlake, TX 76092, USA | 5.0★ | 221 |
| #2 | Sean Bone at Guaranteed Rate Affinity (NMLS #197443)550 Reserve St Suite 250, Office 246, Southlake, TX 76092, USA | 5.0★ | 3 |
| #3 | Lori Kolbye Team, Mortgage Advisor nmls 2085158550 Reserve St #190, Southlake, TX 76092, USA | 5.0★ | 27 |
| #4 | Caleb Buczek at Rate (NMLS #1087661)640 N Carroll Ave Suite 100 - Office 3, Southlake, TX 76092, USA | 5.0★ | 56 |
| #5 | Guild Mortgage Company1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA | 4.8★ | 58 |
| #6 | Lone Star Financing1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA | 5.0★ | 5 |
| #7 | Guild Mortgage - Kyle DaPron1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA | 5.0★ | 53 |
| #8 | Guild Mortgage - Raymond Norris1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA | 5.0★ | 57 |
| #9 | The Dunmire Team1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA | 5.0★ | 63 |
| #10 | Prime Rate, Inc.1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA | 5.0★ | 37 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Federal Way
Caleb Buczek at Rate (NMLS #1087661)
640 N Carroll Ave Suite 100 - Office 3, Southlake, TX 76092, USA
Guild Mortgage Company
1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA
Lone Star Financing
1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA
Guild Mortgage - Kyle DaPron
1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA
Guild Mortgage - Raymond Norris
1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA
The Dunmire Team
1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA
Prime Rate, Inc.
1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA
American Smart Lending
1560 E Southlake Blvd Ste 100, Southlake, TX 76092, USA
Merica Mortgage
950 E State Hwy 114 Ste 160, Southlake, TX 76092, USA
Matt Schwartz - CrossCountry Mortgage
185 S Kimball Ave #130, Southlake, TX 76092, USA
Derek Altoonian at Rate (NMLS #384396)
7121 Colleyville Blvd Suite 102, Colleyville, TX 76034, USA
Shawn Richard Mortgage Team at Rate (NMLS #925408)
7121 Colleyville Blvd Suite 102, Colleyville, TX 76034, USA
Rate
7121 Colleyville Blvd Suite 102, Colleyville, TX 76034, USA
Tony Martin, CMA | Guaranteed Rate
7121 Colleyville Blvd Suite 102, Colleyville, TX 76034, USA
MiMutual Mortgage - Grapevine, TX
323 W Northwest Hwy, Grapevine, TX 76051, USA
Nuwave Lending - Grapevine
129 S Main St #260, Grapevine, TX 76051, USA
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Frequently Asked Questions — Mortgage Brokers in Federal Way
What does a mortgage broker do differently than going directly to a bank in Federal Way?
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 Federal Way?
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: June 1, 2026.
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