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  1. United States
  2. Top Mortgage Brokers
  3. Mortgage Brokers in Texas
  4. Waco

Top Mortgage Brokers In Waco

Waco Mortgage Brokers stats: Key insights from this page’s listings Updated
Businesses listed
10
Average rating
5.0 446 reviews
Typical service price
$200 – $375 Median of 18 priced services
Most-offered services
Mortgage ServicesConsultation ServicesCustomer SupportReal Estate ServicesHome Buying Services
What customers praise
recommend×17highly recommend×7on time×3attention to detail×3
Mortgage brokerWaco, TX

1

Robbie Hetland, SWBC Mortgage

Known for personalized, fast service where clients can actually speak with a team member, SWBC Mortgage helps navigate the home buying process with clear guidance. They specialize in managing complex closings efficiently, which customers appreciate when timing is tight. The team’s friendly approach makes the experience smoother, even when challenges arise.

Services & Prices
Home Buyers Consultation $50 - $100
Real Estate Closing Assistance $300 - $500
Mortgage Application Support $200 - $400
Title Insurance Processing $150 - $300
View Profile
(254) 855-1895
Open 9:00 AM - 5:00 PM
601 Franklin Ave #4f, Waco, TX 76701
General Services
Home Buying Services
2

The Jones Team - SWBC Mortgage

The Jones Team at SWBC Mortgage specializes in personalized mortgage solutions with fast, customized quotes and a wide range of loan options, including FHA, VA, Jumbo, and USDA programs. Clients appreciate their efficient communication and patient guidance throughout the home financing process, though some experiences may involve navigating complex paperwork.

View Profile
(254) 652-6370
Open 8:00 AM - 5:00 PM
1508 N Valley Mills Dr, Waco, TX 76710
3

Thrive Mortgage - Waco

Thrive Mortgage, now part of Lower.com, offers a fully digital mortgage experience with a focus on transparency and clear communication. Their services include home purchase loans, refinancing, and home equity options, supported by knowledgeable agents who guide clients through each step. Customers appreciate their thoroughness and responsiveness, though the fully online process may feel less… more...

Thrive Mortgage, now part of Lower.com, offers a fully digital mortgage experience with a focus on transparency and clear communication. Their services include home purchase loans, refinancing, and home equity options, supported by knowledgeable agents who guide clients through each step. Customers appreciate their thoroughness and responsiveness, though the fully online process may feel less personal to some.

Services & Prices
Loan Qualification $100 - $200
Mortgage Application Assistance $200 - $400
Loan Recommendations $150 - $250
Financial Consultation $50 - $150
View Profile
(877) 241-2701
Open 9:00 AM - 5:00 PM
510 Austin Ave Ste 25208, Waco, TX 76701
General Services
Mortgage Services
4

Trent Miller, SWBC Mortgage - Loan Officer

Known for clear communication and timely updates, this mortgage team helps guide buyers smoothly through the loan process. They offer attentive support from application to closing, with quick responses via phone, text, or email. Customers appreciate their transparency and thoroughness, though some note the process can still feel complex at times.

View Profile
(254) 300-7349
Closed Now
601 Franklin Ave #4f, Waco, TX 76701
5

The Koehn Mortgage Group Powered by Coast2Coast Mortgage Lending

The Koehn Mortgage Group Powered by Coast2Coast Mortgage Lending focuses on guiding clients through complex home financing, especially in challenging market conditions. Their team offers mortgage brokerage services with clear communication and responsive support. Customers appreciate the helpful, attentive approach, though experiences may vary depending on individual team members.

Services & Prices
Home Mortgage $2000 - $5000
Refinancing $1500 - $4000
Mortgage Pre-Approval $300 - $700
Buyer Representation $2500 - $8000
View Profile
(254) 405-6690
Open 8:00 AM - 8:00 PM
1600 Lake Air Dr, Waco, TX 76710
General Services
Mortgage Services
Where they are 10 on the map Click a pin for the profile and directions
6

SWBC Mortgage Waco - Main

SWBC Mortgage Waco - Main focuses on helping clients find mortgage loans that fit their needs, with a team known for clear communication and responsiveness. They guide first-time and experienced homebuyers through the loan process, aiming to make it smooth and timely. Customers appreciate the attentive service and straightforward answers throughout.

Services & Prices
Home Loan $1500 - $3000
Refinancing $1500 - $2500
First-Time Homebuyer Assistance $500 - $1000
Application Preparation $200 - $500
View Profile
(254) 741-9440
Open 8:00 AM - 5:00 PM
500 N Valley Mills Dr Suite 213, Waco, TX 76710
General Services
Mortgage Services
7

Brazos Group - Fairway Home Mortgage

Known for clear communication and strong responsiveness, Brazos Group - Fairway Home Mortgage helps clients navigate home financing with ease. Their team offers mortgage brokerage services, keeping borrowers informed and promptly addressing any issues that arise. Customers appreciate their friendly approach and reliable support throughout the loan process.

Services & Prices
First-Time Home Buyer Loans $200 - $400
Refinancing $250 - $450
VA Loans $300 - $500
Consultations $50 - $100
View Profile
(254) 870-6705
Open 9:00 AM - 5:00 PM
217 S 4th St Suite 210, Waco, TX 76701
General Services
Mortgage Services
8

Sarah Jamar - Loan Officer

Known for guiding clients through a smooth and responsive mortgage process, this loan officer works with a team offering a wide range of loan options tailored to individual needs. Customers appreciate the clear communication and ease throughout home financing, often highlighting the helpful online tools and attentive support.

Services & Prices
Home Buying Assistance $3000 - $8000
Market Analysis $1000 - $3000
Negotiation Services $2000 - $5000
Initial Consultation $100 - $200
View Profile
(336) 413-6590
Open 9:00 AM - 5:00 PM
217 S 4th St Ste 210, Waco, TX 76701
General Services
Real Estate Services
9

Jonathon Roberts — Loan Officer

Specializing in helping first-time homebuyers, this loan officer and his team focus on making the mortgage process manageable and supportive. They assist with loan options and guidance throughout home financing, with customers noting the team’s helpfulness and expertise. Some find the office a bit tricky to locate initially.

View Profile
(254) 449-4338
Open 9:00 AM - 5:00 PM
217 S 4th St Ste 210, Waco, TX 76701
10

Cory Smith - First State Bank Mortgage

Known for detailed guidance and clear communication, Cory Smith at First State Bank Mortgage helps borrowers navigate home purchases, refinancing, and cash-out options with ease. Specializing in FHA loans, down payment assistance, and low down payment programs, the team is praised for responsiveness and making the mortgage process manageable.

Services & Prices
Home Purchase Loans $2000 - $5000
Refinancing $2000 - $5000
Cash-Out Refinancing $2500 - $6000
FHA Loans $1500 - $4000
View Profile
(254) 723-8341
Open 9:00 AM - 5:00 PM
719 N New Rd, Waco, TX 76710
General Services
Mortgage Services

Waco Mortgage Statistics

Home-purchase lending in Mclennan County and home costs in Waco, TX (latest HMDA and Census data)

Lenders made 2,955 home-purchase loans in Mclennan County in 2025 (average about $332,000) and denied 543 — 16% of decided applications, compared with 19% across Texas, according to federal mortgage data (HMDA, CFPB). In Waco, the median home is worth $221,700 and 52% of owners have a mortgage, paying a median $1,737 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
2,955▲ 7%2,774 in 2024
Denial rate
16%TX 19%
Median home value
$221,700TX $283,800
Monthly cost with a mortgage
$1,737median · TX $2,106
Refinance loans made (Mclennan County, 2025)
1,136 · 854 in 2024
Home-improvement loans made (2025)
239
Average home-purchase loan
$332,000 (TX $364,000)
Owners with a mortgage
52% · 31% of them spend 30%+ of income on housing
Median household income
$54,365 (TX $78,476)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Mclennan County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Frequently asked questions

8 questions
What does a mortgage broker do?
Mortgage brokers connect borrowers with lenders, helping find the best loan options and rates. They handle paperwork and negotiations, simplifying the mortgage process.
How do I choose the best mortgage broker in Waco?
Consider brokers with high ratings and verified reviews. TrustAnalytica ranks brokers by review quality, volume, and profile claims, ensuring a data-driven choice.
Are free consultations common with mortgage brokers?
Yes, many mortgage brokers offer free consultations to discuss your needs and potential loan options before you commit.
What questions should I ask a mortgage broker?
Ask about loan options, interest rates, fees, and the total cost over the loan term. Inquire about their experience and how they handle the application process.
How are mortgage broker fees typically structured?
Mortgage brokers usually earn through lender commissions or borrower fees, often a small percentage of the loan amount. Always clarify fee structures upfront.
Do I need a mortgage broker in Texas?
While not required, a mortgage broker can simplify the loan process by finding suitable lenders and negotiating terms, especially beneficial for first-time buyers.
How long does the mortgage process take with a broker?
The mortgage process typically takes 30 to 45 days, but timelines can vary based on lender requirements and document readiness.
What services do mortgage brokers in Waco offer?
Waco mortgage brokers offer loan comparison, application assistance, rate negotiation, and guidance through the closing process, ensuring a smooth transaction.

General information, not financial advice — consult a qualified professional.

Our Methodology

Best 10 mortgage broker list assembly and recognition by TrustAnalytica for Waco is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.

We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).

Rankings are frequently updated to reflect the latest reviews from trusted sources.

Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.

TrustAnalytica's procedure for listing mortgage broker companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 mortgage broker category.

The Process

1

Business Verification

Verified mortgage broker listings in Waco are based on robust online activity and Google reviews, ensuring credibility.

2

Business Details

Comprehensive mortgage broker profiles offer vital details for informed decisions in Waco.

3

Reviews And Ratings

Real-time customer ratings guide our mortgage broker rankings in Waco, reflecting genuine reputation.

4

SEO And Keywords

Our SEO strategy elevates the visibility of top mortgage broker providers in Waco.

5

AI Search Visibility

Every mortgage broker listing in Waco is published with structured data that AI search tools like ChatGPT, Perplexity and Google AI Overviews can read and cite.