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Same-Day Mortgage Brokers in Murphy, TX
Can't wait a week? These mortgage brokers in Murphy offer same-day or next-day appointments. Call now to check availability.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Murphy, TX by verified customer ratings and review volume. The highest-rated is The Modern Lending Group with a 5.0-star rating from 27 verified reviews. Also in the top tier: Mortgage, Bank of America and Jamie Saylor. The average rating across all listed mortgage brokers in Murphy is 4.8 stars from 282 reviews per business on average.
Mortgage brokers in Murphy: 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
4.8★
Avg rating
282
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
The Modern Lending Group
7214 S State Hwy 78 #10, Sachse, TX 75048, USA
Mortgage, Bank of America
1301 FM 544, Wylie, TX 75098, USA
Jamie Saylor
201 Calloway St, Wylie, TX 75098, USA
Mortgage Brokers Rankings in Murphy, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | The Modern Lending Group7214 S State Hwy 78 #10, Sachse, TX 75048, USA | 5.0★ | 27 |
| #2 | Mortgage, Bank of America1301 FM 544, Wylie, TX 75098, USA | 1.0★ | 1 |
| #3 | Jamie Saylor201 Calloway St, Wylie, TX 75098, USA | 5.0★ | 25 |
| #4 | Jeremiah Vensel | Mortgage Group201 Calloway St Unit A, Wylie, TX 75098, USA | 5.0★ | 37 |
| #5 | W R Starkey Mortgage201 N Ballard Ave, Wylie, TX 75098, USA | — | — |
| #6 | Fairway Independent Mortgage Corporation375 Cedar Sage Dr #250, Garland, TX 75040, USA | 5.0★ | 281 |
| #7 | Elevate Home Mortgage101 E Park Blvd Suite 600, Plano, TX 75074, USA | 5.0★ | 100 |
| #8 | Vstar Lending LLC3112 N Jupiter Rd #213A, Garland, TX 75044, USA | 4.9★ | 41 |
| #9 | Highlands Residential Mortgage - Allen Branch - Anthony D'Iorio333 E Bethany Dr Unit A-100, Allen, TX 75002, USA | 5.0★ | 1 |
| #10 | Mortgage and Beyond1900 Jay Ell Dr, Richardson, TX 75081, USA | 4.9★ | 93 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Murphy
Jeremiah Vensel | Mortgage Group
201 Calloway St Unit A, Wylie, TX 75098, USA
W R Starkey Mortgage
201 N Ballard Ave, Wylie, TX 75098, USA
Fairway Independent Mortgage Corporation
375 Cedar Sage Dr #250, Garland, TX 75040, USA
Elevate Home Mortgage
101 E Park Blvd Suite 600, Plano, TX 75074, USA
Vstar Lending LLC
3112 N Jupiter Rd #213A, Garland, TX 75044, USA
Highlands Residential Mortgage - Allen Branch - Anthony D'Iorio
333 E Bethany Dr Unit A-100, Allen, TX 75002, USA
H2 Lending LLC
1721 W Plano Pkwy Ste 221, Plano, TX 75075, USA
Allen Location of Fairway Independent Mortgage Corp. Porch Light NMLS 2289
825 Watters Creek Blvd #340, Allen, TX 75013, USA
Anthony Patton, Mortgage Loan Officer, NMLS 516808
825 Watters Creek Blvd #260, Allen, TX 75013, USA
Senior Loan Officer
825 Watters Creek Blvd #340, Allen, TX 75013, USA
Loan Java
601 N Plano Rd, Richardson, TX 75081, USA
TJL MORTGAGE
825 Watters Creek Blvd Building M Suite 250, Allen, TX 75013, USA
Bobbie Searson, Mortgage Broker NMLS #234180
9320 Crockett Dr, Rowlett, TX 75089, USA
Highlands Residential Mortgage
950 W Bethany Dr suite 800, Allen, TX 75013, USA
Sam Brock- Highlands Residential Mortgage
950 W Bethany Dr suite 800, Allen, TX 75013, USA
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Frequently Asked Questions — Mortgage Brokers in Murphy
What does a mortgage broker do differently than going directly to a bank in Murphy?
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 Murphy?
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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