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Cheap Mortgage Brokers in Pilot Point, TX — Best Prices
Compare mortgage brokers prices in Pilot Point to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Pilot Point, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Chad Rutherford - Eagle Mortgage Company with a 5.0-star rating from 124 Google reviews and an RNM Score of 85/100. Also in the top tier: Justin Hill - Eagle Mortgage Company - NMLS# 2009477 and Caprock Home Loans. The average rating across all listed mortgage brokers in Pilot Point is 5 stars from 72 reviews per business on average.
Mortgage brokers in Pilot Point: 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
5★
Avg rating
72
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Top-rated Cedar Hill mortgage broker with a perfect 5.0 score from over 120 reviews.
306 W Main St Suite B, Gunter, TX 75058, USA5.0 stars from over 150 Google reviews in Frisco, TX.
202 S Coleman St Suite 300A, Prosper, TX 75078, USATrusted by 95 clients with a flawless 5.0-star rating in Frisco, TX.
130 N Preston Rd, Prosper, TX 75078, USAMortgage Brokers Rankings in Pilot Point, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Chad Rutherford - Eagle Mortgage Company306 W Main St Suite B, Gunter, TX 75058, USA | 5.0★ | 124 |
| #2 | Justin Hill - Eagle Mortgage Company - NMLS# 2009477202 S Coleman St Suite 300A, Prosper, TX 75078, USA | 5.0★ | 157 |
| #3 | Caprock Home Loans130 N Preston Rd, Prosper, TX 75078, USA | 5.0★ | 95 |
| #4 | Private Mortgage Group130 N Preston Rd Ste 318, Prosper, TX 75078, USA | 5.0★ | 4 |
| #5 | The Mortgage Brewer at Summit Lending100 W Oak St, Denton, TX 76201, USA | 5.0★ | 128 |
| #6 | Loans with Wes Gregg100 W Oak St Suite G-109, Denton, TX 76201, USA | 5.0★ | 141 |
| #7 | NFM Lending - Denton101 S Locust St Suite 703, Denton, TX 76201, USA | 4.9★ | 133 |
| #8 | Academy Mortgage207 W Hickory St #312, Denton, TX 76201, USA | 4.9★ | 37 |
| #9 | Alexandra O'Malley - Mortgage Advisor400 W Oak St, Denton, TX 76201, USA | 5.0★ | 1 |
| #10 | Highlands Residential Mortgage Denton2300 San Jacinto Blvd, Denton, TX 76205, USA | 5.0★ | 148 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Pilot Point
5.0 stars from four reviews, reflecting exceptional client satisfaction in Converse.
130 N Preston Rd Ste 318, Prosper, TX 75078, USA
Rated 5.0 stars from 128 Google reviews, this Denton mortgage broker is top-rated.
100 W Oak St, Denton, TX 76201, USA
Top-rated Denton mortgage broker with a perfect 5.0 rating from over 140 reviews.
100 W Oak St Suite G-109, Denton, TX 76201, USA
Denton mortgage broker with a 4.9-star rating from over 130 Google reviews.
101 S Locust St Suite 703, Denton, TX 76201, USA
Rated 4.9 stars from 37 Google reviews, this Denton mortgage broker is highly trusted.
207 W Hickory St #312, Denton, TX 76201, USA
5.0 stars from a handful of Google reviews shows exceptional local client satisfaction.
400 W Oak St, Denton, TX 76201, USA
Top-rated Denton mortgage broker with a perfect 5.0★ rating from over 140 reviews.
2300 San Jacinto Blvd, Denton, TX 76205, USA
Trusted by local clients, this Denton mortgage broker holds a solid 4.3-star rating from 11 reviews.
211 Fort Worth Dr #A, Denton, TX 76201, USA
Rated 4.9 stars from 141 Google reviews, a top-rated Denton mortgage broker.
2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA
Rated 5.0 stars from 12 Google reviews, this Denton broker is highly trusted.
2442 Lillian Miller Pkwy #100, Denton, TX 76205, USA
5.0 stars from 10 Google reviews, reflecting exceptional local client satisfaction.
2701 Wind River Ln Suite B, Denton, TX 76210, USA
5.0 stars from 52 reviews, reflecting exceptional client satisfaction in Frisco.
2770 Main St #221, Frisco, TX 75033, USA
5.0 stars from 20 reviews, reflecting exceptional client satisfaction in Frisco.
8519 Brown Stone Ln, Frisco, TX 75033, USA
5.0-star rating from 75 Google reviews in Frisco, TX.
4400 Main St, Frisco, TX 75033, USA
Rated 5.0 stars from 26 Google reviews, this Denton mortgage broker is highly trusted.
1430 Robinson Rd #530, Corinth, TX 76210, USA
Top-rated Denton mortgage broker with a flawless 5.0-star rating from over 120 reviews.
1430 Robinson Rd #430, Corinth, TX 76210, USA
5.0 stars from 6 reviews, reflecting exceptional client satisfaction in Frisco.
8305 Pinnacle Dr, Frisco, TX 75033, USA
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Mortgage Brokers in Pilot Point, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Chad Rutherford - Eagle Mortgage Company | 85/100 | 5.0 ★ | 124 |
| 2 | Justin Hill - Eagle Mortgage Company - NMLS# 2009477 | 86/100 | 5.0 ★ | 157 |
| 3 | Caprock Home Loans | 83/100 | 5.0 ★ | 95 |
| 4 | Private Mortgage Group | 79/100 | 5.0 ★ | 4 |
| 5 | The Mortgage Brewer at Summit Lending | 85/100 | 5.0 ★ | 128 |
| 6 | Loans with Wes Gregg | 85/100 | 5.0 ★ | 141 |
| 7 | NFM Lending - Denton | 83/100 | 4.9 ★ | 133 |
| 8 | Academy Mortgage | 76/100 | 4.9 ★ | 37 |
| 9 | Alexandra O'Malley - Mortgage Advisor | 62/100 | 5.0 ★ | 1 |
| 10 | Highlands Residential Mortgage Denton | 86/100 | 5.0 ★ | 148 |
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 Pilot Point
What does a mortgage broker do differently than going directly to a bank in Pilot Point?
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 Pilot Point?
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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