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4.5+ Stars · Royse City
Highly Rated Mortgage Brokers in Royse City, TX
Only the best make this list. These mortgage brokers in Royse City have earned 4.5+ star ratings from real customers — consistently.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Royse City, TX by verified customer ratings and review volume. The highest-rated is THE JZ TEAM-SOUTHWEST FUNDING, LP with a 4.5-star rating from 8 verified reviews. Also in the top tier: Rockwall Mortgage Co and Dennis P Hudson "The Mortgage Gentleman". The average rating across all listed mortgage brokers in Royse City is 4.7 stars from 44 reviews per business on average.
Mortgage brokers in Royse City: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.7★
Avg rating
44
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
THE JZ TEAM-SOUTHWEST FUNDING, LP
1650 S John King Blvd Suite A, Rockwall, TX 75032, USA
Rockwall Mortgage Co
105 W Kaufman St, Rockwall, TX 75087, USA
Dennis P Hudson "The Mortgage Gentleman"
2931 Ridge Rd W ste 101 1093, Rockwall, TX 75032, USA
Mortgage Brokers Rankings in Royse City, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | THE JZ TEAM-SOUTHWEST FUNDING, LP1650 S John King Blvd Suite A, Rockwall, TX 75032, USA | 4.5★ | 8 |
| #2 | Rockwall Mortgage Co105 W Kaufman St, Rockwall, TX 75087, USA | 5.0★ | 4 |
| #3 | Dennis P Hudson "The Mortgage Gentleman"2931 Ridge Rd W ste 101 1093, Rockwall, TX 75032, USA | 5.0★ | 15 |
| #4 | Summit Funding, Inc.2313 Ridge Rd Suite 105, Rockwall, TX 75087, USA | 4.8★ | 78 |
| #5 | The Jenay Bowen Team - CrossCountry Mortgage2313 Ridge Rd Suite 105B, Rockwall, TX 75087, USA | 5.0★ | 51 |
| #6 | William Branch Group - CrossCountry Mortgage6540 Alliance Dr #130, Rockwall, TX 75032, USA | 4.9★ | 119 |
| #7 | Craig Lemp - Revolution Mortgage - Heath Tx6520 Alliance Dr #130, Rockwall, TX 75032, USA | 5.0★ | 4 |
| #8 | Integrity Mortgage Corporation of Texas5 Horizon Ct, Rockwall, TX 75032, USA | 5.0★ | 266 |
| #9 | Jesse Young -Neighborhood Loans2701 Sunset Ridge Dr, Rockwall, TX 75032, USA | 5.0★ | 112 |
| #10 | Sherri Crayne - Highlands Residential Mortgage2701 Sunset Ridge Dr, Rockwall, TX 75032, USA | 4.7★ | 12 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Royse City
Summit Funding, Inc.
2313 Ridge Rd Suite 105, Rockwall, TX 75087, USA
The Jenay Bowen Team - CrossCountry Mortgage
2313 Ridge Rd Suite 105B, Rockwall, TX 75087, USA
William Branch Group - CrossCountry Mortgage
6540 Alliance Dr #130, Rockwall, TX 75032, USA
Craig Lemp - Revolution Mortgage - Heath Tx
6520 Alliance Dr #130, Rockwall, TX 75032, USA
Integrity Mortgage Corporation of Texas
5 Horizon Ct, Rockwall, TX 75032, USA
Jesse Young -Neighborhood Loans
2701 Sunset Ridge Dr, Rockwall, TX 75032, USA
Sherri Crayne - Highlands Residential Mortgage
2701 Sunset Ridge Dr, Rockwall, TX 75032, USA
Reverse TX Mortgage
311 E Interstate 30 #103, Rockwall, TX 75087, USA
Mortgage Resource of Texas
311 E Interstate 30 #103, Rockwall, TX 75087, USA
Mark Eastin-Clear Modern Mortgage
1215 Arista Dr #102, Rockwall, TX 75032, USA
Lone Star Reverse Mortgage
6105 Volunteer Pl, Rockwall, TX 75032, USA
Bobbie Searson, Mortgage Broker NMLS #234180
9320 Crockett Dr, Rowlett, TX 75089, USA
W R Starkey Mortgage
201 N Ballard Ave, Wylie, TX 75098, USA
Jeremiah Vensel | Mortgage Group
201 Calloway St Unit A, Wylie, TX 75098, USA
Jamie Saylor
201 Calloway St, Wylie, TX 75098, USA
Mortgage, Bank of America
1301 FM 544, Wylie, TX 75098, USA
The Modern Lending Group
7214 S State Hwy 78 #10, Sachse, TX 75048, USA
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Frequently Asked Questions — Mortgage Brokers in Royse City
What does a mortgage broker do differently than going directly to a bank in Royse City?
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 Royse City?
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: June 1, 2026.
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