Independent Mortgage Broker vs. Retail Banks

Learn why shopping for a mortgage with an independent broker like Team Mullenix gives Texas home buyers lower rates, broader product options, and faster closings compared to big retail banks.

Side-by-Side Comparison

See how Edge Mortgage compares to traditional commercial banks.

Feature / Criteria

Edge Mortgage Broker

Traditional Retail Bank

Wholesale Lender Access

100+ Lenders

1 Bank Only

Interest Rates

Wholesale Rates

Retail Rates

Average Turn Time

14 to 21 Days

30 to 60 Days

Loan Options

Conventional, FHA, VA, USDA, DSCR, Non-QM

Standard Retail Programs

Loan Officer Availability

Direct Cell & Evenings

Bank Hours Only

Why Work With an Independent Broker?

Wholesale Rate Competition

Retail banks mark up rates to cover high overhead costs. We shop over 100 wholesale lenders to secure lower rates for your mortgage.

Options for Complex Income

If a retail bank rejects your application due to self-employment or credit history, we have access to specialized Non-QM and bank statement programs.

Direct Communication

You work directly with Chad Mullenix and a dedicated team, avoiding automated call centers and 9-to-5 banking limits.

Ready to Compare Your Mortgage Options?

Contact Chad Mullenix today for a quick rate quote or start your pre-approval online.

Get Pre-Qualified Now Call (512) 657-8017