Low Cost · Houston
Cheap Mortgage Brokers in Houston, TX — Best Prices
Compare mortgage brokers prices in Houston to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Houston, TX by verified customer ratings and review volume. The highest-rated is Champions Mortgage with a 4.9-star rating from 618 verified reviews. Also in the top tier: Loan Factory and Lock It Lending. The average rating across all listed mortgage brokers in Houston is 4.9 stars from 532 reviews per business on average.
Mortgage brokers in Houston: 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
532
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Champions Mortgage
2940 Riverby Rd Suite #205, Houston, TX 77020, USA
Loan Factory
10008 Bellaire Blvd STE 203, Houston, TX 77072, USA
Lock It Lending
11111 Richmond Ave #250, Houston, TX 77082, USA
Mortgage Brokers Rankings in Houston, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Champions Mortgage2940 Riverby Rd Suite #205, Houston, TX 77020, USA | 4.9★ | 618 |
| #2 | Loan Factory10008 Bellaire Blvd STE 203, Houston, TX 77072, USA | 5.0★ | 1,412 |
| #3 | Lock It Lending11111 Richmond Ave #250, Houston, TX 77082, USA | 5.0★ | 1,519 |
| #4 | Blink Lending & Investments615 Heights Blvd Ste 100, Houston, TX 77007, USA | 5.0★ | 374 |
| #5 | Noble Mortgage & Investments11767 Katy Fwy # 500, Houston, TX 77079, USA | 5.0★ | 388 |
| #6 | Christine Nguyen - Home Loans Texas Mortgage Loan Officer5300 Memorial Dr # 420, Houston, TX 77007, USA | 5.0★ | 56 |
| #7 | Angel Pina, Mortgage Broker2101 Crawford St STE 108, Houston, TX 77002, USA | 4.8★ | 31 |
| #8 | Cornerstone Home Lending | Corporate1177 W Loop S #700, Houston, TX 77027, USA | 4.8★ | 552 |
| #9 | Beyond Mortgage, LLC5135 Birdwood Rd, Houston, TX 77096, USA | 5.0★ | 153 |
| #10 | New Era Lending LLC1500 S Dairy Ashford Rd suite 363, Houston, TX 77077, USA | 4.9★ | 895 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Houston
Blink Lending & Investments
615 Heights Blvd Ste 100, Houston, TX 77007, USA
Noble Mortgage & Investments
11767 Katy Fwy # 500, Houston, TX 77079, USA
Christine Nguyen - Home Loans Texas Mortgage Loan Officer
5300 Memorial Dr # 420, Houston, TX 77007, USA
Angel Pina, Mortgage Broker
2101 Crawford St STE 108, Houston, TX 77002, USA
Cornerstone Home Lending | Corporate
1177 W Loop S #700, Houston, TX 77027, USA
Beyond Mortgage, LLC
5135 Birdwood Rd, Houston, TX 77096, USA
New Era Lending LLC
1500 S Dairy Ashford Rd suite 363, Houston, TX 77077, USA
Envoy Mortgage
952 Echo Ln Suite 190, Houston, TX 77024, USA
Top One Mortgage, LLC (Houston - NMLS # 257832)
7001 Corporate Dr #100a, Houston, TX 77036, USA
Network Funding, LP
10370 Richmond Ave #900, Houston, TX 77042, USA
James J Ward | Fairway Home Mortgage Branch Manager
3311 Richmond Ave #329, Houston, TX 77098, USA
Texas Loan Star Inc
2233 Yale St, Houston, TX 77008, USA
Boxwood Mortgage LLC
2700 Post Oak Blvd 21st St, Houston, TX 77056, USA
Houston Mortgage Brokers
22206 Highland Knolls Dr Unit C, Katy, TX 77450, USA
Texas Top Mortgage, LLC nmls#2229954
2525 Robinhood St #1100, Houston, TX 77005, USA
Safetrust Mortgage - Alexandre Murphy
2500 E T C Jester Blvd Suite 278, Houston, TX 77008, USA
Matador Lending
5718 Westheimer Rd Suite 1000, Houston, TX 77057, USA
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Frequently Asked Questions — Mortgage Brokers in Houston
What does a mortgage broker do differently than going directly to a bank in Houston?
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 Houston?
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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