Best Value · Bloomington
Affordable Mortgage Brokers in Bloomington, IN
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As of May 2026, RatingsNearMe ranks 18 mortgage brokers in Bloomington, IN by verified customer ratings and review volume. The highest-rated is Ruoff Mortgage - Bloomington with a 4.9-star rating from 157 verified reviews. Also in the top tier: First State Mortgage - Bloomington and John La Bella - Guild Mortgage. The average rating across all listed mortgage brokers in Bloomington is 5 stars from 48 reviews per business on average.
Mortgage brokers in Bloomington: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
18
Businesses listed
5★
Avg rating
48
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Ruoff Mortgage - Bloomington
1551 S Piazza Dr, Bloomington, IN 47401, USA
First State Mortgage - Bloomington
502 N Hershey Rd #1, Bloomington, IL 61704, USA
John La Bella - Guild Mortgage
205 N College Ave #315, Bloomington, IN 47404, USA
Mortgage Brokers Rankings in Bloomington, IN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Ruoff Mortgage - Bloomington1551 S Piazza Dr, Bloomington, IN 47401, USA | 4.9★ | 157 |
| #2 | First State Mortgage - Bloomington502 N Hershey Rd #1, Bloomington, IL 61704, USA | 4.8★ | 167 |
| #3 | John La Bella - Guild Mortgage205 N College Ave #315, Bloomington, IN 47404, USA | 5.0★ | 122 |
| #4 | Indiana Mortgage Company Inc.3900 S Walnut St Suite C, Bloomington, IN 47401, USA | 4.9★ | 34 |
| #5 | Jason Sumner3939 S Walnut St, Bloomington, IN 47401, USA | 5.0★ | 58 |
| #6 | North Point Home Loans LLC6640 N Utt Dr, Bloomington, IN 47408, USA | 5.0★ | 51 |
| #7 | Mortgage Masters Bloomington3939 S Walnut St #3, Bloomington, IN 47401, USA | 5.0★ | 17 |
| #8 | Heather Bozarth, Ruoff Mortgage1551 S Piazza Dr, Bloomington, IN 47401, USA | 5.0★ | 54 |
| #9 | Scott Kieffner, Ruoff Mortgage1551 S Piazza Dr, Bloomington, IN 47401, USA | 5.0★ | 32 |
| #10 | Scott Muckerheide, NMLS: 546486, PrimeLending509 E Hillside Dr STE 103, Bloomington, IN 47401, USA | 5.0★ | 14 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Bloomington
Indiana Mortgage Company Inc.
3900 S Walnut St Suite C, Bloomington, IN 47401, USA
Jason Sumner
3939 S Walnut St, Bloomington, IN 47401, USA
North Point Home Loans LLC
6640 N Utt Dr, Bloomington, IN 47408, USA
Mortgage Masters Bloomington
3939 S Walnut St #3, Bloomington, IN 47401, USA
Heather Bozarth, Ruoff Mortgage
1551 S Piazza Dr, Bloomington, IN 47401, USA
Scott Kieffner, Ruoff Mortgage
1551 S Piazza Dr, Bloomington, IN 47401, USA
Scott Muckerheide, NMLS: 546486, PrimeLending
509 E Hillside Dr STE 103, Bloomington, IN 47401, USA
Brittany Eckerle, Ruoff Mortgage
1551 S Piazza Dr, Bloomington, IN 47401, USA
Karan Rastall, Ruoff Mortgage
1551 S Piazza Dr, Bloomington, IN 47401, USA
Fifth Third Mortgage - Matthew Nikirk
3415 W 3rd St, Bloomington, IN 47404, USA
Mandi Eaton, Ruoff Mortgage
1551 S Piazza Dr, Bloomington, IN 47401, USA
Ryan Langley, Ruoff Mortgage
1551 S Piazza Dr, Bloomington, IN 47401, USA
Kathy Bowman - CMG Home Loans
3939 S Walnut St #3, Bloomington, IN 47401, USA
Vince Weddle, Ruoff Mortgage
1551 S Piazza Dr, Bloomington, IN 47401, USA
Alisha Kaye Schott - CMG Home Loans
3939 S Walnut St, Bloomington, IN 47401, USA
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Frequently Asked Questions — Mortgage Brokers in Bloomington
What does a mortgage broker do differently than going directly to a bank in Bloomington?
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 Bloomington?
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 IN?
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: May 17, 2026.
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