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Top Picks · Palmer
Best Mortgage Brokers in Palmer, TX
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Palmer, TX by verified customer ratings and review volume. The highest-rated is Krista Taylor - Mortgage Street with a 5.0-star rating from 3 verified reviews. Also in the top tier: Trinity Oaks Mortgage and Cowtown Lending Services, LLC powered by Barrett Financial Group, L.L.C. The average rating across all listed mortgage brokers in Palmer is 4.5 stars from 40 reviews per business on average.
Mortgage brokers in Palmer: 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
4.5★
Avg rating
40
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Krista Taylor - Mortgage Street
104 Broadhead Rd, Waxahachie, TX 75165, USA
Trinity Oaks Mortgage
421 Century Way #100, Red Oak, TX 75154, USA
Cowtown Lending Services, LLC powered by Barrett Financial Group, L.L.C
208 Buckskin Dr, Waxahachie, TX 75167, USA
Mortgage Brokers Rankings in Palmer, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Krista Taylor - Mortgage Street104 Broadhead Rd, Waxahachie, TX 75165, USA | 5.0★ | 3 |
| #2 | Trinity Oaks Mortgage421 Century Way #100, Red Oak, TX 75154, USA | 4.9★ | 253 |
| #3 | Cowtown Lending Services, LLC powered by Barrett Financial Group, L.L.C208 Buckskin Dr, Waxahachie, TX 75167, USA | 5.0★ | 17 |
| #4 | Happy Home Lending501 Magnolia Ln, Glenn Heights, TX 75154, USA | 4.9★ | 39 |
| #5 | John Walling Mortgage Broker7211 Hamilton Dr, Midlothian, TX 76065, USA | 5.0★ | 4 |
| #6 | Winn Mortgage LLCMeadowview, 2925 Goldenrod Dr, Lancaster, TX 75134, USA | — | — |
| #7 | LTI Mortgage / Hybrid Agent Homes1801 N Hampton Rd #458, DeSoto, TX 75115, USA | 5.0★ | 68 |
| #8 | Angie Thomas Broker/Owner- AT Home Southern Realty3611 Whispering Hills Ct, Midlothian, TX 76065, USA | 5.0★ | 6 |
| #9 | CrossCountry Mortgage LLC| Billy Killingsworth | NMLS #356509402 E Trunk St Suite G, Crandall, TX 75114, USA | 5.0★ | 6 |
| #10 | Prime Lending200 N 14th St, Midlothian, TX 76065, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Palmer
Winn Mortgage LLC
Meadowview, 2925 Goldenrod Dr, Lancaster, TX 75134, USA
LTI Mortgage / Hybrid Agent Homes
1801 N Hampton Rd #458, DeSoto, TX 75115, USA
Angie Thomas Broker/Owner- AT Home Southern Realty
3611 Whispering Hills Ct, Midlothian, TX 76065, USA
CrossCountry Mortgage LLC| Billy Killingsworth | NMLS #356509
402 E Trunk St Suite G, Crandall, TX 75114, USA
Mid America Mortgage Southwest
229 S 9th St, Midlothian, TX 76065, USA
Commercial Lending DeSoto,TX
1001 Robbie Mince Wy, DeSoto, TX 75115, USA
Mortgage, Bank of America
156 W Belt Line Rd, Cedar Hill, TX 75104, USA
Capital City Mortgage LLC Funding Your Dreams
610 Uptown Blvd ste 2000, Cedar Hill, TX 75104, USA
Fresh Start Mortgage Assistance
610 Uptown Blvd ste 2000, Cedar Hill, TX 75104, USA
Mary Eubanks MBA, RE/MAX Frontier
803 W Main St, Midlothian, TX 76065, USA
Chase Home Lending
303 S Main St, Duncanville, TX 75116, USA
US Mortgage Lenders, LLC
785 W Wheatland Rd Ste 407, Duncanville, TX 75116, USA
Jeremy Finnestad (NMLS#2163031) - The Wood Group of Fairway Mortgage
3530 Jaycee Dr, Midlothian, TX 76065, USA
Geneva Financial LLC
407 N Cedar Ridge Dr #235, Duncanville, TX 75116, USA
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Frequently Asked Questions — Mortgage Brokers in Palmer
What does a mortgage broker do differently than going directly to a bank in Palmer?
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 Palmer?
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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