Verified · Bloomington
Trusted Mortgage Brokers in Bloomington, IN
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Bloomington have earned it through hundreds of verified reviews.
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: John La Bella - Guild Mortgage and First State Mortgage - Bloomington. 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
John La Bella - Guild Mortgage
205 N College Ave #315, Bloomington, IN 47404, USA
First State Mortgage - Bloomington
502 N Hershey Rd #1, Bloomington, IL 61704, 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 | John La Bella - Guild Mortgage205 N College Ave #315, Bloomington, IN 47404, USA | 5.0★ | 122 |
| #3 | First State Mortgage - Bloomington502 N Hershey Rd #1, Bloomington, IL 61704, USA | 4.8★ | 167 |
| #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
Get Free Quotes
We'll connect you with the top mortgage brokers in Bloomington, IN.
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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.
More Home Services in Bloomington
Related Searches
More ways to find mortgage brokers in Bloomington