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Highest Rated · Waxahachie
Top-Rated Mortgage Brokers in Waxahachie, TX
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Waxahachie, TX by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Krista Taylor - Mortgage Street with a 5.0-star rating from 3 Google reviews and an RNM Score of 66/100. Also in the top tier: Cowtown Lending Services, LLC powered by Barrett Financial Group, L.L.C and John Walling Mortgage Broker. The average rating across all listed mortgage brokers in Waxahachie is 4.4 stars from 42 reviews per business on average.
Mortgage brokers in Waxahachie: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.4★
Avg rating
42
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Taylor’s top-rated mortgage broker with a perfect 5.0 score from 3 reviews.
104 Broadhead Rd, Waxahachie, TX 75165, USARated 5.0 stars from 17 Google reviews, this local mortgage broker is highly recommended.
208 Buckskin Dr, Waxahachie, TX 75167, USAA five-star rating from four Google reviews reflects exceptional client satisfaction.
7211 Hamilton Dr, Midlothian, TX 76065, USAMortgage Brokers Rankings in Waxahachie, TX
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Krista Taylor - Mortgage Street104 Broadhead Rd, Waxahachie, TX 75165, USA | 5.0★ | 3 |
| #2 | Cowtown Lending Services, LLC powered by Barrett Financial Group, L.L.C208 Buckskin Dr, Waxahachie, TX 75167, USA | 5.0★ | 17 |
| #3 | John Walling Mortgage Broker7211 Hamilton Dr, Midlothian, TX 76065, USA | 5.0★ | 4 |
| #4 | Angie Thomas Broker/Owner- AT Home Southern Realty3611 Whispering Hills Ct, Midlothian, TX 76065, USA | 5.0★ | 6 |
| #5 | Trinity Oaks Mortgage421 Century Way #100, Red Oak, TX 75154, USA | 4.9★ | 253 |
| #6 | Happy Home Lending501 Magnolia Ln, Glenn Heights, TX 75154, USA | 4.9★ | 39 |
| #7 | Prime Lending200 N 14th St, Midlothian, TX 76065, USA | — | — |
| #8 | Mid America Mortgage Southwest229 S 9th St, Midlothian, TX 76065, USA | 5.0★ | 31 |
| #9 | Mary Eubanks MBA, RE/MAX Frontier803 W Main St, Midlothian, TX 76065, USA | 5.0★ | 14 |
| #10 | Jeremy Finnestad (NMLS#2163031) - The Wood Group of Fairway Mortgage3530 Jaycee Dr, Midlothian, TX 76065, USA | 5.0★ | 4 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Waxahachie
Rated 5.0 stars from 6 Google reviews, this Midlothian broker is highly trusted.
3611 Whispering Hills Ct, Midlothian, TX 76065, USA
Trusted by 253 clients with a stellar 4.9-star average rating.
421 Century Way #100, Red Oak, TX 75154, USA
Duncanville mortgage broker with a 4.9-star rating from 39 customer reviews.
501 Magnolia Ln, Glenn Heights, TX 75154, USA
No reviews yet; check back for customer experiences with this Midlothian mortgage broker.
200 N 14th St, Midlothian, TX 76065, USA
5.0-star rating from 31 Google reviews for this Midlothian mortgage broker.
229 S 9th St, Midlothian, TX 76065, USA
Rated 5.0 stars from 14 Google reviews, this Midlothian mortgage broker is highly trusted.
803 W Main St, Midlothian, TX 76065, USA
Earns a perfect 5.0-star rating from four local customers.
3530 Jaycee Dr, Midlothian, TX 76065, USA
Mixed 1.0-star rating based on only one Google review.
156 W Belt Line Rd, Cedar Hill, TX 75104, USA
Mixed 2.6-star rating from a handful of Google reviews.
610 Uptown Blvd ste 2000, Cedar Hill, TX 75104, USA
Proudly rated 4.6 stars from over 20 local Google reviews.
610 Uptown Blvd ste 2000, Cedar Hill, TX 75104, USA
Trusted by 68 clients with a perfect 5.0-star rating in Duncanville.
1801 N Hampton Rd #458, DeSoto, TX 75115, USA
Lancaster mortgage broker with no customer reviews yet; first client feedback pending.
Meadowview, 2925 Goldenrod Dr, Lancaster, TX 75134, USA
This business has no Google reviews yet, offering a chance for first feedback.
1001 Robbie Mince Wy, DeSoto, TX 75115, USA
Mixed 3.0-star rating from 4 Google reviews suggests inconsistent customer experiences.
303 S Main St, Duncanville, TX 75116, USA
Trusted by hundreds of local clients, this broker holds a flawless 5.0-star rating.
785 W Wheatland Rd Ste 407, Duncanville, TX 75116, USA
This business has no Google reviews yet, so customer experiences are unconfirmed.
1400 Judy Ln, Mansfield, TX 76063, USA
4.7 stars from 14 Google reviews, reflecting strong local client satisfaction.
407 N Cedar Ridge Dr #235, Duncanville, TX 75116, USA
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Mortgage Brokers in Waxahachie, TX — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Krista Taylor - Mortgage Street | 66/100 | 5.0 ★ | 3 |
| 2 | Cowtown Lending Services, LLC powered by Barrett Financial Group, L.L.C | 77/100 | 5.0 ★ | 17 |
| 3 | John Walling Mortgage Broker | 70/100 | 5.0 ★ | 4 |
| 4 | Angie Thomas Broker/Owner- AT Home Southern Realty | 81/100 | 5.0 ★ | 6 |
| 5 | Trinity Oaks Mortgage | 98/100 | 4.9 ★ | 253 |
| 6 | Happy Home Lending | 88/100 | 4.9 ★ | 39 |
| 7 | Prime Lending | 7/100 | — | 0 |
| 8 | Mid America Mortgage Southwest | 89/100 | 5.0 ★ | 31 |
| 9 | Mary Eubanks MBA, RE/MAX Frontier | 85/100 | 5.0 ★ | 14 |
| 10 | Jeremy Finnestad (NMLS#2163031) - The Wood Group of Fairway Mortgage | 79/100 | 5.0 ★ | 4 |
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 Waxahachie
What does a mortgage broker do differently than going directly to a bank in Waxahachie?
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 Waxahachie?
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 5, 2026.
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