Real Reviews · Garland
Top-Reviewed Mortgage Brokers in Garland, TX
What are customers actually saying? Read verified reviews for mortgage brokers in Garland — every rating is from a real customer.
As of May 2026, RatingsNearMe ranks 12 mortgage brokers in Garland, TX by verified customer ratings and review volume. The highest-rated is Lock It Mortgage with a 5.0-star rating from 745 verified reviews. Also in the top tier: August REI and Fairway Independent Mortgage Corporation. The average rating across all listed mortgage brokers in Garland is 4.8 stars from 201 reviews per business on average.
Mortgage brokers in Garland: 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
12
Businesses listed
4.8★
Avg rating
201
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Lock It Mortgage
3901 W Walnut St, Garland, TX 75042, USA
August REI
3960 Broadway Blvd #107, Garland, TX 75043, USA
Fairway Independent Mortgage Corporation
375 Cedar Sage Dr #250, Garland, TX 75040, USA
Mortgage Brokers Rankings in Garland, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Lock It Mortgage3901 W Walnut St, Garland, TX 75042, USA | 5.0★ | 745 |
| #2 | August REI3960 Broadway Blvd #107, Garland, TX 75043, USA | 4.5★ | 570 |
| #3 | Fairway Independent Mortgage Corporation375 Cedar Sage Dr #250, Garland, TX 75040, USA | 5.0★ | 281 |
| #4 | Vstar Lending LLC3112 N Jupiter Rd #213A, Garland, TX 75044, USA | 4.9★ | 41 |
| #5 | Fairway Home Mortgage - The Heritage Group1417 E Interstate 30 Suite 5, Garland, TX 75043, USA | 4.9★ | 222 |
| #6 | Promise Mortgage LLC4306 Curlew Ln, Garland, TX 75043, USA | 5.0★ | 61 |
| #7 | Not Your Average Lender310 E Interstate 30 Suite M101, Garland, TX 75043, USA | 3.9★ | 30 |
| #8 | Lightning Lending3544 W Walnut St, Garland, TX 75042, USA | — | — |
| #9 | George Rodriguez - Mortgage Broker5050 Quorum Dr #600, Dallas, TX 75254, USA | 5.0★ | 5 |
| #10 | The Modern Lending Group7214 S State Hwy 78 #10, Sachse, TX 75048, USA | 5.0★ | 27 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Garland
Vstar Lending LLC
3112 N Jupiter Rd #213A, Garland, TX 75044, USA
Fairway Home Mortgage - The Heritage Group
1417 E Interstate 30 Suite 5, Garland, TX 75043, USA
Not Your Average Lender
310 E Interstate 30 Suite M101, Garland, TX 75043, USA
Lightning Lending
3544 W Walnut St, Garland, TX 75042, USA
George Rodriguez - Mortgage Broker
5050 Quorum Dr #600, Dallas, TX 75254, USA
The Modern Lending Group
7214 S State Hwy 78 #10, Sachse, TX 75048, USA
The Cooksey Branch of Cross Country Mortgage, LLC.
15851 Dallas Pkwy Suite 700, Addison, TX 75001, USA
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Frequently Asked Questions — Mortgage Brokers in Garland
What does a mortgage broker do differently than going directly to a bank in Garland?
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 Garland?
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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