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Licensed · Saint Paul
Licensed & Insured Mortgage Brokers in Saint Paul, TX
Every mortgage brokers listed here carries proper licensing and insurance in TX. Protect yourself — always verify credentials before work begins.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Saint Paul, TX by verified customer ratings and review volume. The highest-rated is W R Starkey Mortgage. Also in the top tier: Jeremiah Vensel | Mortgage Group and Jamie Saylor. The average rating across all listed mortgage brokers in Saint Paul is 4.8 stars from 266 reviews per business on average.
Mortgage brokers in Saint Paul: 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
4.8★
Avg rating
266
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
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 Brokers Rankings in Saint Paul, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | W R Starkey Mortgage201 N Ballard Ave, Wylie, TX 75098, USA | — | — |
| #2 | Jeremiah Vensel | Mortgage Group201 Calloway St Unit A, Wylie, TX 75098, USA | 5.0★ | 37 |
| #3 | Jamie Saylor201 Calloway St, Wylie, TX 75098, USA | 5.0★ | 25 |
| #4 | Mortgage, Bank of America1301 FM 544, Wylie, TX 75098, USA | 1.0★ | 1 |
| #5 | The Modern Lending Group7214 S State Hwy 78 #10, Sachse, TX 75048, USA | 5.0★ | 27 |
| #6 | Bobbie Searson, Mortgage Broker NMLS #2341809320 Crockett Dr, Rowlett, TX 75089, USA | 5.0★ | 1 |
| #7 | Fairway Independent Mortgage Corporation375 Cedar Sage Dr #250, Garland, TX 75040, USA | 5.0★ | 281 |
| #8 | Dennis P Hudson "The Mortgage Gentleman"2931 Ridge Rd W ste 101 1093, Rockwall, TX 75032, USA | 5.0★ | 15 |
| #9 | Highlands Residential Mortgage - Allen Branch - Anthony D'Iorio333 E Bethany Dr Unit A-100, Allen, TX 75002, USA | 5.0★ | 1 |
| #10 | Competitive Home Lending450 Century Pkwy Ste 250, Allen, TX 75013, USA | 4.9★ | 59 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Saint Paul
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
Bobbie Searson, Mortgage Broker NMLS #234180
9320 Crockett Dr, Rowlett, TX 75089, USA
Fairway Independent Mortgage Corporation
375 Cedar Sage Dr #250, Garland, TX 75040, USA
Dennis P Hudson "The Mortgage Gentleman"
2931 Ridge Rd W ste 101 1093, Rockwall, TX 75032, USA
Highlands Residential Mortgage - Allen Branch - Anthony D'Iorio
333 E Bethany Dr Unit A-100, Allen, TX 75002, USA
Competitive Home Lending
450 Century Pkwy Ste 250, 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
Allen Location of Fairway Independent Mortgage Corp. Porch Light NMLS 2289
825 Watters Creek Blvd #340, Allen, TX 75013, USA
TJL MORTGAGE
825 Watters Creek Blvd Building M Suite 250, Allen, TX 75013, 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
Churchill Mortgage - Allen
950 W Bethany Dr #550, Allen, TX 75013, USA
American Mortgage Company
1002 Raintree Cir STE 100, Allen, TX 75013, USA
Inspired Buy Real Estate
800 North Watters Road Suite 180, Allen, TX 75013, USA
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Frequently Asked Questions — Mortgage Brokers in Saint Paul
What does a mortgage broker do differently than going directly to a bank in Saint Paul?
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 Saint Paul?
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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