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Top Picks · Lucas
Best Mortgage Brokers in Lucas, TX
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Lucas, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is W R Starkey Mortgage. Also in the top tier: Mortgage, Bank of America and Highlands Residential Mortgage - Allen Branch - Anthony D'Iorio. The average rating across all listed mortgage brokers in Lucas is 4.8 stars from 261 reviews per business on average.
Mortgage brokers in Lucas: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
261
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
New to Google, this Wylie mortgage broker has no customer reviews yet.
201 N Ballard Ave, Wylie, TX 75098, USAEarns a perfect 5.0-star rating from early Google reviews.
333 E Bethany Dr Unit A-100, Allen, TX 75002, USAMortgage Brokers Rankings in Lucas, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | W R Starkey Mortgage201 N Ballard Ave, Wylie, TX 75098, USA | — | — |
| #2 | Mortgage, Bank of America1301 FM 544, Wylie, TX 75098, USA | 1.0★ | 1 |
| #3 | Highlands Residential Mortgage - Allen Branch - Anthony D'Iorio333 E Bethany Dr Unit A-100, Allen, TX 75002, USA | 5.0★ | 1 |
| #4 | Jeremiah Vensel | Mortgage Group201 Calloway St Unit A, Wylie, TX 75098, USA | 5.0★ | 37 |
| #5 | Jamie Saylor201 Calloway St, Wylie, TX 75098, USA | 5.0★ | 25 |
| #6 | Competitive Home Lending450 Century Pkwy Ste 250, Allen, TX 75013, USA | 4.9★ | 59 |
| #7 | American Mortgage Company1002 Raintree Cir STE 100, Allen, TX 75013, USA | 5.0★ | 87 |
| #8 | Anthony Patton, Mortgage Loan Officer, NMLS 516808825 Watters Creek Blvd #260, Allen, TX 75013, USA | 4.8★ | 4 |
| #9 | Senior Loan Officer825 Watters Creek Blvd #340, Allen, TX 75013, USA | — | — |
| #10 | Allen Location of Fairway Independent Mortgage Corp. Porch Light NMLS 2289825 Watters Creek Blvd #340, Allen, TX 75013, USA | 5.0★ | 124 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Lucas
Rated 5.0 stars from 37 Google reviews, this Wylie mortgage broker is highly trusted.
201 Calloway St Unit A, Wylie, TX 75098, USA
Wylie mortgage broker with a perfect 5.0-star rating from 25 Google reviews.
201 Calloway St, Wylie, TX 75098, USA
Rated 4.9 stars from 59 Google reviews, this Plano mortgage broker is highly trusted.
450 Century Pkwy Ste 250, Allen, TX 75013, USA
Trusted by 87 clients with a perfect 5.0-star rating on Google.
1002 Raintree Cir STE 100, Allen, TX 75013, USA
4.8 stars from 4 Google reviews, reflecting strong local client satisfaction.
825 Watters Creek Blvd #260, Allen, TX 75013, USA
This business has no customer reviews yet to help inform your decision.
825 Watters Creek Blvd #340, Allen, TX 75013, USA
Trusted by 124 clients for consistently exceptional 5.0-star mortgage service in Allen.
825 Watters Creek Blvd #340, Allen, TX 75013, USA
Top-rated Allen mortgage broker with a perfect 5.0-star rating from 21 reviews.
825 Watters Creek Blvd Building M Suite 250, Allen, TX 75013, USA
Top-rated Allen mortgage broker with a flawless 5.0-star rating from early clients.
945 Stockton Dr #8100, Allen, TX 75013, USA
Earned a perfect 5.0-star rating from nearly 90 Google reviews in Allen.
800 North Watters Road Suite 180, Allen, TX 75013, USA
Trusted by thousands, this Allen mortgage broker holds a perfect 5.0-star rating.
950 W Bethany Dr suite 800, Allen, TX 75013, USA
Proudly holds a perfect 5.0-star rating from 30 Google reviews in Allen.
950 W Bethany Dr suite 800, Allen, TX 75013, USA
Earns a perfect 5.0-star rating from 9 Google reviews in Allen.
950 W Bethany Dr, Allen, TX 75013, USA
Consistently earns perfect 5.0-star ratings from its customers in Allen.
950 W Bethany Dr #550, Allen, TX 75013, USA
59 Google reviews yield a perfect 5.0-star rating for this Allen mortgage broker.
1020 W Exchange Pkwy Suite 1130, Allen, TX 75013, USA
Earns a perfect 5.0-star rating from 27 reviews in Garland.
7214 S State Hwy 78 #10, Sachse, TX 75048, USA
Trusted by locals with a 4.9-star rating from over 140 reviews.
2111 Eldorado Pkwy #102, McKinney, TX 75070, USA
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Mortgage Brokers in Lucas, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | W R Starkey Mortgage | 3/100 | — | 0 |
| 2 | Mortgage, Bank of America | 14/100 | 1.0 ★ | 1 |
| 3 | Highlands Residential Mortgage - Allen Branch - Anthony D'Iorio | 62/100 | 5.0 ★ | 1 |
| 4 | Jeremiah Vensel | Mortgage Group | 78/100 | 5.0 ★ | 37 |
| 5 | Jamie Saylor | 76/100 | 5.0 ★ | 25 |
| 6 | Competitive Home Lending | 79/100 | 4.9 ★ | 59 |
| 7 | American Mortgage Company | 94/100 | 5.0 ★ | 87 |
| 8 | Anthony Patton, Mortgage Loan Officer, NMLS 516808 | 64/100 | 4.8 ★ | 4 |
| 9 | Senior Loan Officer | 3/100 | — | 0 |
| 10 | Allen Location of Fairway Independent Mortgage Corp. Porch Light NMLS 2289 | 85/100 | 5.0 ★ | 124 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Lucas
What does a mortgage broker do differently than going directly to a bank in Lucas?
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 Lucas?
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: July 4, 2026.
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