Verified · Katy
Trusted Mortgage Brokers in Katy, TX
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Katy have earned it through hundreds of verified reviews.
As of May 2026, RatingsNearMe ranks 14 mortgage brokers in Katy, TX by verified customer ratings and review volume. The highest-rated is Texas Capital Lending, A Division of InterLinc Mortgage - Katy, TX with a 4.9-star rating from 512 verified reviews. Also in the top tier: HMA Mortgage - Shealey Mortgage Team and HomeWay Mortgage. The average rating across all listed mortgage brokers in Katy is 4.9 stars from 126 reviews per business on average.
Mortgage brokers in Katy: 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
14
Businesses listed
4.9★
Avg rating
126
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Texas Capital Lending, A Division of InterLinc Mortgage - Katy, TX
24518 Kingsland Blvd, Katy, TX 77494, USA
HMA Mortgage - Shealey Mortgage Team
25140 Kingsland Blvd Suite 100, Ofc 130, Katy, TX 77494, USA
HomeWay Mortgage
23218 Red River Dr, Katy, TX 77494, USA
Mortgage Brokers Rankings in Katy, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Texas Capital Lending, A Division of InterLinc Mortgage - Katy, TX24518 Kingsland Blvd, Katy, TX 77494, USA | 4.9★ | 512 |
| #2 | HMA Mortgage - Shealey Mortgage Team25140 Kingsland Blvd Suite 100, Ofc 130, Katy, TX 77494, USA | 5.0★ | 223 |
| #3 | HomeWay Mortgage23218 Red River Dr, Katy, TX 77494, USA | 4.9★ | 206 |
| #4 | Rate Boss Mortgage23033 Grand Cir Blvd #150A, Katy, TX 77449, USA | 5.0★ | 75 |
| #5 | Texas Lending Pro, Mortgage Broker28111 S Firethorne Rd #703, Katy, TX 77494, USA | 4.9★ | 91 |
| #6 | Green Arrow Mortgage24285 Katy Fwy Suite #660, Katy, TX 77494, USA | 4.9★ | 76 |
| #7 | Bill Rapp, CCIM - Medallions Funds Capital Advisor - NMLS 22824627815 Astoria Brook Ln, Katy, TX 77494, USA | 5.0★ | 53 |
| #8 | Mitchell Mortgage Group LLC24285 Katy Fwy suite 300, Katy, TX 77494, USA | 5.0★ | 87 |
| #9 | Richard Smith, Mpire Financial Katy Texas Mortgage Broker24285 Katy Fwy Suite 300, Katy, TX 77494, USA | 4.6★ | 39 |
| #10 | BayPoint Mortgage25140 Kingsland Blvd Suite 103, Katy, TX 77494, USA | 5.0★ | 47 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Katy
Rate Boss Mortgage
23033 Grand Cir Blvd #150A, Katy, TX 77449, USA
Texas Lending Pro, Mortgage Broker
28111 S Firethorne Rd #703, Katy, TX 77494, USA
Green Arrow Mortgage
24285 Katy Fwy Suite #660, Katy, TX 77494, USA
Bill Rapp, CCIM - Medallions Funds Capital Advisor - NMLS 228246
27815 Astoria Brook Ln, Katy, TX 77494, USA
Mitchell Mortgage Group LLC
24285 Katy Fwy suite 300, Katy, TX 77494, USA
Richard Smith, Mpire Financial Katy Texas Mortgage Broker
24285 Katy Fwy Suite 300, Katy, TX 77494, USA
BayPoint Mortgage
25140 Kingsland Blvd Suite 103, Katy, TX 77494, USA
Dustin Golden, NMLS: 817993, Movement Mortgage
24275 Katy Fwy Suite #320, Katy, TX 77494, USA
Cesar Higuera | BluPrint Home Loans | Mortgage Lender NMLS # 1394557
1526 Katy Gap Rd Suite 504, Katy, TX 77494, USA
Element Home Loans w/ Rick Carrier
24200 Via Mazzini Way Suite 301, Richmond, TX 77406, USA
Supreme Lending Houston
410 W Grand Pkwy S #260, Katy, TX 77494, USA
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Frequently Asked Questions — Mortgage Brokers in Katy
What does a mortgage broker do differently than going directly to a bank in Katy?
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 Katy?
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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