CityVettedCityvetted
Independent. Never pay-to-play.
Mortgage Brokers · Garland, TX/Updated June 13, 2026

The 10 Best Mortgage Brokers in Garland, TX

Finding a mortgage broker in Garland means navigating a competitive market with promising options. Here's how to choose the best for your needs.

Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceLock It Mortgage
96Score
Latest update · June 13, 2026: Initial ranking published. 10 Garland-metro mortgage brokers businesses evaluated, top 10 ranked by Vetted Score.

Garland's mortgage market is marked by a mix of established firms and newer players, creating a competitive landscape. With a total of 10 evaluated providers, the combined reviews highlight a growing trust among consumers, although many businesses are still building their reputations.

Our ranking focuses on the Vetted Score, which reflects customer feedback and service quality. We ensure that no company pays for placement in our rankings, providing you with an unbiased look at the best mortgage brokers in the area.

10mortgage brokers evaluated in Garland
4.79average rating across the field
2.2Kcustomer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does mortgage brokers cost in Garland? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

Lock It Mortgage

★★★★★5.0(848 reviews)

Lock It Mortgage has an impressive 5-star rating from 848 reviews.

Read full review
Best Value
95Score

Fairway Independent Mortgage Corporation

★★★★★5.0(300 reviews)

With a solid 5-star rating from 300 reviews, Fairway Independent Mortgage Corporation is known for competitive rates and excellent customer support.

Read full review
Most Reviewed
92Score

Fairway Home Mortgage - The Heritage Group

★★★★★4.9(222 reviews)

Fairway Home Mortgage - The Heritage Group holds a 4.9-star rating from 222 reviews.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
Lock It Mortgage
Lock It Mortgage
Editor's Choice
96Score
5.0★★★★★
848Quick and personalized mortgage services
2
95Score
5.0★★★★★
300Affordable mortgage options with great service
3
92Score
4.9★★★★★
222First-time homebuyers seeking guidance
4
88Score
5.0★★★★★
63Personalized mortgage solutions
5
87Score
4.9★★★★★
41Fast and simple mortgage applications
6
82Score
4.5★★★★★
616Thorough mortgage guidance
7
80Score
5.0★★★★★
13Personalized mortgage assistance
8
79Score
4.7★★★★★
14Creative mortgage solutions
9
78Score
5.0★★★★★
5Personalized service for small loans
10
78Score
3.9★★★★★
30Creative mortgage options
Methodology

How we evaluated all 10 mortgage brokers.

To evaluate the mortgage brokers in Garland, we assessed each provider based on their customer ratings, review counts, and overall reliability. The businesses listed here received a thorough review, factoring in the number of reviews to gauge trustworthiness.

We refresh our rankings monthly to reflect any changes in ratings or customer feedback. This commitment to transparency means you can trust the information we provide as you seek the right mortgage broker.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

Lock It Mortgage

★★★★★5.0(848 reviews)
96Score

Lock It Mortgage has an impressive 5-star rating from 848 reviews. Customers frequently commend their quick response times and personalized service, making them an excellent choice for those seeking a seamless mortgage process. However, their high volume of clients can sometimes lead to longer wait times for updates during peak periods.

Pros

  • Fast response times
  • Personalized service
  • High customer satisfaction

Cons

  • Potential delays during busy times
  • Limited physical locations
Best forQuick and personalized mortgage services
Service areaGarland, TX
Typical pricing$1,500 to $3,000
2
Best Value

Fairway Independent Mortgage Corporation

★★★★★5.0(300 reviews)
95Score

With a solid 5-star rating from 300 reviews, Fairway Independent Mortgage Corporation is known for competitive rates and excellent customer support. Many clients appreciate the transparency in their mortgage process. A notable downside is that they may have less availability compared to larger firms, which could affect response times. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is affordable mortgage options with great service. It serves Garland, TX, with $1,200 to $2,800 pricing, and the honest trade-offs are less availability during peak times and limited physical locations.

Pros

  • Competitive rates
  • Transparent processes
  • Strong customer support

Cons

  • Less availability during peak times
  • Limited physical locations
Best forAffordable mortgage options with great service
Service areaGarland, TX
Typical pricing$1,200 to $2,800
3
Most Reviewed

Fairway Home Mortgage - The Heritage Group

★★★★★4.9(222 reviews)
92Score

Fairway Home Mortgage - The Heritage Group holds a 4.9-star rating from 222 reviews. Clients praise their knowledgeable staff and the ease of the application process. They excel in first-time homebuyer programs, but some reviewers mention that their fees can be higher than average, which is something to consider. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is first-time homebuyers seeking guidance. It serves Garland, TX, with $1,500 to $3,500 pricing, and the honest trade-offs are higher fees than some competitors and limited options for refinancing.

Pros

  • Knowledgeable staff
  • Easy application process
  • Great for first-time buyers

Cons

  • Higher fees than some competitors
  • Limited options for refinancing
Best forFirst-time homebuyers seeking guidance
Service areaGarland, TX
Typical pricing$1,500 to $3,500
4

Promise Mortgage LLC

★★★★★5.0(63 reviews)
88Score

Promise Mortgage LLC has a perfect 5-star rating from 63 reviews. Clients highlight their attentive customer service and dedication to finding the best mortgage solutions. However, their limited number of reviews means they are still building a reputation in the market. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is personalized mortgage solutions. It serves Garland, TX, with $1,000 to $2,500 pricing, and the honest trade-offs are limited reviews and less established reputation.

Pros

  • Attentive customer service
  • Custom mortgage solutions

Cons

  • Limited reviews
  • Less established reputation
Best forPersonalized mortgage solutions
Service areaGarland, TX
Typical pricing$1,000 to $2,500
5

Vstar Lending LLC

★★★★★4.9(41 reviews)
87Score

Vstar Lending LLC holds a 4.9-star rating from 41 reviews. Customers appreciate their straightforward approach and quick turnaround times. However, as a newer player in the market, they have a smaller review base, which may leave some potential clients cautious. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is fast and simple mortgage applications. It serves Garland, TX, with $1,200 to $2,800 pricing, and the honest trade-offs are smaller review base and limited service options.

Pros

  • Straightforward process
  • Quick turnaround times

Cons

  • Smaller review base
  • Limited service options
Best forFast and simple mortgage applications
Service areaGarland, TX
Typical pricing$1,200 to $2,800
6

August REI

★★★★★4.5(616 reviews)
82Score

August REI has a solid 4.5-star rating from 616 reviews. Many clients commend their thoroughness and expertise in the mortgage process. However, some customers have reported communication issues, which could affect your experience during busy times. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is thorough mortgage guidance. It serves Garland, TX, with $1,500 to $3,500 pricing, and the honest trade-offs are communication issues reported and longer processing times.

Pros

  • Thorough and knowledgeable staff
  • Strong client base

Cons

  • Communication issues reported
  • Longer processing times
Best forThorough mortgage guidance
Service areaGarland, TX
Typical pricing$1,500 to $3,500
7

Kristy Osborn | Fairway Home Mortgage

★★★★★5.0(13 reviews)
80Score

Kristy Osborn at Fairway Home Mortgage has a perfect 5-star rating from 13 reviews. Clients praise her personalized attention and responsiveness, which is ideal for those needing guidance. However, her limited number of reviews may not provide a full picture of her services. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is personalized mortgage assistance. It serves Garland, TX, with $1,200 to $2,800 pricing, and the honest trade-offs are limited reviews and less established reputation.

Pros

  • Personalized attention
  • Highly responsive

Cons

  • Limited reviews
  • Less established reputation
Best forPersonalized mortgage assistance
Service areaGarland, TX
Typical pricing$1,200 to $2,800
8
79Score

Cuesta Mortgage powered by Not Your Average Lender holds a 4.7-star rating from 14 reviews. Clients appreciate their unique approach and willingness to work with various financial situations. However, the low number of reviews makes their overall performance hard to gauge. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is creative mortgage solutions. It serves Garland, TX, with $1,000 to $2,500 pricing, and the honest trade-offs are few reviews and less established in the community.

Pros

  • Unique approach
  • Flexible with financial situations

Cons

  • Few reviews
  • Less established in the community
Best forCreative mortgage solutions
Service areaGarland, TX
Typical pricing$1,000 to $2,500
9

Revolution Mortgage

★★★★★5.0(5 reviews)
78Score

Revolution Mortgage has a perfect 5-star rating from 5 reviews. While clients express high satisfaction with their services, the extremely low number of reviews raises concerns about their experience level and reliability. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is personalized service for small loans. It serves Garland, TX, with $1,000 to $2,500 pricing, and the honest trade-offs are very few reviews and limited track record.

Pros

  • High satisfaction from clients
  • Personalized service

Cons

  • Very few reviews
  • Limited track record
Best forPersonalized service for small loans
Service areaGarland, TX
Typical pricing$1,000 to $2,500
10

Not Your Average Lender

★★★★★3.9(30 reviews)
78Score

Not Your Average Lender has a 3.9-star rating from 30 reviews. Clients appreciate their creative solutions but have raised concerns about customer service and responsiveness. The mixed reviews suggest you may want to consider other options first. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is creative mortgage options. It serves Garland, TX, with $1,200 to $2,800 pricing, and the honest trade-offs are mixed customer service feedback and inconsistent responsiveness.

Pros

  • Creative mortgage solutions
  • Diverse product offerings

Cons

  • Mixed customer service feedback
  • Inconsistent responsiveness
Best forCreative mortgage options
Service areaGarland, TX
Typical pricing$1,200 to $2,800
Before you book

How to choose a mortgage broker in Garland

Selecting the right mortgage broker involves understanding their service area, responsiveness, and licensing. Here's what to look for:

Check service area

Ensure the broker serves your specific neighborhood or city within Garland, as local expertise can impact your mortgage experience.

Assess response times

A quick response is crucial. Look for brokers who prioritize communication and can answer your questions promptly.

Verify licensing and credentials

Confirm that the broker is licensed in Texas and has the necessary qualifications to guide you through the mortgage process.

What it costs

What mortgage brokers cost in Garland

Mortgage broker fees can vary widely based on the services offered and the complexity of your mortgage needs. Here's what to expect:

No-cost optionsSome brokers may offer no upfront fees, earning commissions from lenders instead.
Flat fee servicesExpect to pay between $1,000 to $3,000 for flat-fee services, depending on the broker and the mortgage complexity.
Percentage of the loan amountBrokers may charge 1% to 2% of the loan amount as their fee, which can vary based on the lender and product.
Additional feesBe aware of potential additional costs, such as application fees or processing fees, which can add up.

Frequently asked questions

How much does mortgage brokerage cost in Garland?

Typical fees for mortgage brokerage services in Garland range from $1,000 to $3,000, depending on the complexity of the loan and the broker's commission structure.

What is the average mortgage interest rate in Garland?

As of now, average mortgage interest rates in Garland hover around 6.5% to 7%, but these can vary based on individual credit profiles and market conditions.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most Garland homebuyers: <strong>Lock It Mortgage</strong>

If you're looking for a reliable mortgage broker in Garland, Lock It Mortgage is the clear choice. With 848 reviews and a perfect 5-star rating, they have established themselves as the go-to for homebuyers needing straightforward support in navigating their mortgage options. If you prefer a larger firm with a solid reputation, Fairway Independent Mortgage Corporation is also an excellent option, boasting a 5-star rating from 300 reviews. For those seeking personalized service with a proven track record, Fairway Home Mortgage - The Heritage Group offers a strong balance of quality and experience, rated at 4.9 stars from 222 reviews. Choose based on your needs, and you’ll find the right fit in this evolving market.