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Highest Rated · Gainesville
Top-Rated Mortgage Brokers in Gainesville, TX
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Gainesville, TX by verified customer ratings and review volume. The highest-rated is Chad Rutherford - Eagle Mortgage Company with a 5.0-star rating from 124 verified reviews. Also in the top tier: Alexandra O'Malley - Mortgage Advisor and The Mortgage Brewer at Summit Lending. The average rating across all listed mortgage brokers in Gainesville is 5 stars from 72 reviews per business on average.
Mortgage brokers in Gainesville: 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
5★
Avg rating
72
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
Chad Rutherford - Eagle Mortgage Company
306 W Main St Suite B, Gunter, TX 75058, USA
Alexandra O'Malley - Mortgage Advisor
400 W Oak St, Denton, TX 76201, USA
The Mortgage Brewer at Summit Lending
100 W Oak St, Denton, TX 76201, USA
Mortgage Brokers Rankings in Gainesville, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Chad Rutherford - Eagle Mortgage Company306 W Main St Suite B, Gunter, TX 75058, USA | 5.0★ | 124 |
| #2 | Alexandra O'Malley - Mortgage Advisor400 W Oak St, Denton, TX 76201, USA | 5.0★ | 1 |
| #3 | The Mortgage Brewer at Summit Lending100 W Oak St, Denton, TX 76201, USA | 5.0★ | 128 |
| #4 | Loans with Wes Gregg100 W Oak St Suite G-109, Denton, TX 76201, USA | 5.0★ | 141 |
| #5 | Academy Mortgage207 W Hickory St #312, Denton, TX 76201, USA | 4.9★ | 37 |
| #6 | NFM Lending - Denton101 S Locust St Suite 703, Denton, TX 76201, USA | 4.9★ | 133 |
| #7 | Affiliated Mortgage Lending211 Fort Worth Dr #A, Denton, TX 76201, USA | 4.3★ | 11 |
| #8 | Highlands Residential Mortgage Denton2300 San Jacinto Blvd, Denton, TX 76205, USA | 5.0★ | 148 |
| #9 | Fairway Independent Mortgage Corporation2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA | 4.9★ | 141 |
| #10 | Robert Tokarczyk | Fairway Independent Mortgage Corporation Loan Officer2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA | 5.0★ | 12 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Gainesville
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
NFM Lending - Denton
101 S Locust St Suite 703, Denton, TX 76201, USA
Affiliated Mortgage Lending
211 Fort Worth Dr #A, Denton, TX 76201, USA
Highlands Residential Mortgage Denton
2300 San Jacinto Blvd, Denton, TX 76205, USA
Fairway Independent Mortgage Corporation
2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA
Robert Tokarczyk | Fairway Independent Mortgage Corporation Loan Officer
2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA
Planet Home Lending, LLC - Denton
2701 Wind River Ln Suite B, Denton, TX 76210, USA
Cultivate Mortgage
1908 Hollister Ln, Denton, TX 76210, USA
Primary Residential Mortgage, Inc. - Lending With Passion Division
1430 Robinson Rd #430, Corinth, TX 76210, USA
Carlos Rascon, Mortgage Lender NMLS #2260704
1430 Robinson Rd #530, Corinth, TX 76210, USA
Justin Hill - Eagle Mortgage Company - NMLS# 2009477
202 S Coleman St Suite 300A, Prosper, TX 75078, USA
Caprock Home Loans
130 N Preston Rd, Prosper, TX 75078, USA
Private Mortgage Group
130 N Preston Rd Ste 318, Prosper, TX 75078, USA
Ryan Gibson, Senior Mortgage Broker
120 E Marshall St Suite B, Van Alstyne, TX 75495, USA
David Park - Mortgage Broker - Edge Home Finance
1424 8th St, Argyle, TX 76226, USA
Alliance Mortgage Group
2770 Main St #221, Frisco, TX 75033, USA
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Frequently Asked Questions — Mortgage Brokers in Gainesville
What does a mortgage broker do differently than going directly to a bank in Gainesville?
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 Gainesville?
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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