Local Pros · Richardson
Local Mortgage Brokers in Richardson, TX
Locally owned and operated mortgage brokers serving Richardson and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 5 mortgage brokers in Richardson, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Loan Java with a 5.0-star rating from 184 Google reviews and an RNM Score of 87/100. Also in the top tier: Mortgage and Beyond and Richardson Mortgage. The average rating across all listed mortgage brokers in Richardson is 5 stars from 104 reviews per business on average.
Mortgage brokers in Richardson: 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.
Best Overall
Mercantile Mortgage Corporation
Consistently recognized as a top broker in Richardson for its strong reputation and personalized service.
Most Reviewed
Loan Java
A high number of reviews indicates broad customer experience and can help identify consistent service trends.
Always compare rates and fees from multiple brokers, and check recent reviews to ensure the broker has a track record of closing loans on time in the local market.
Local Market Snapshot
5
Businesses listed
5★
Avg rating
104
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of local clients, this broker holds a flawless 5.0-star rating.
601 N Plano Rd, Richardson, TX 75081, USARated 4.9 stars from 93 Google reviews, consistently earning exceptional client feedback.
1900 Jay Ell Dr, Richardson, TX 75081, USA95 Google reviews with a perfect 5.0-star rating from Richardson clients.
9355 John W. Elliott Dr 25 Suite 25604, Frisco, TX 75033, USAMortgage Brokers Rankings in Richardson, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Loan Java601 N Plano Rd, Richardson, TX 75081, USA | 5.0★ | 184 |
| #2 | Mortgage and Beyond1900 Jay Ell Dr, Richardson, TX 75081, USA | 4.9★ | 93 |
| #3 | Richardson Mortgage9355 John W. Elliott Dr 25 Suite 25604, Frisco, TX 75033, USA | 5.0★ | 95 |
| #4 | Mercantile Mortgage Corporation1401 N Central Expy # 100B, Richardson, TX 75080, USA | 5.0★ | 50 |
| #5 | Starlink Mortgage LLC2011 N Collins Blvd #605, Richardson, TX 75080, USA | 4.9★ | 99 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Richardson
Over 50 Google reviews with a perfect 5.0-star rating from local clients.
1401 N Central Expy # 100B, Richardson, TX 75080, USA
Earned a 4.9-star rating from nearly 100 local customer reviews.
2011 N Collins Blvd #605, Richardson, TX 75080, USA
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Mortgage Brokers in Richardson, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Loan Java | 87/100 | 5.0 ★ | 184 |
| 2 | Mortgage and Beyond | 85/100 | 4.9 ★ | 93 |
| 3 | Richardson Mortgage | 83/100 | 5.0 ★ | 95 |
| 4 | Mercantile Mortgage Corporation | 80/100 | 5.0 ★ | 50 |
| 5 | Starlink Mortgage LLC | 82/100 | 4.9 ★ | 99 |
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 Richardson
What does a mortgage broker do differently than going directly to a bank in Richardson?
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 Richardson?
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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