24/7 Available · Brandon
24-Hour Mortgage Brokers in Brandon, FL — Always Available
Emergencies don't keep business hours. These mortgage brokers in Brandon are available 24 hours a day, 7 days a week — including holidays.
As of June 2026, RatingsNearMe ranks 17 mortgage brokers in Brandon, FL by verified customer ratings and review volume. The highest-rated is Florida Mortgage Firm with a 5.0-star rating from 852 verified reviews. Also in the top tier: Compass Mortgage LLC and Quick Quote Mortgage. The average rating across all listed mortgage brokers in Brandon is 4.9 stars from 195 reviews per business on average.
Mortgage brokers in Brandon: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
17
Businesses listed
4.9★
Avg rating
195
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
Florida Mortgage Firm
2216 S Alexander St, Plant City, FL 33563, USA
Compass Mortgage LLC
705 E Orange St, Lakeland, FL 33801, USA
Quick Quote Mortgage
1208 Bell Shoals Rd, Brandon, FL 33511, USA
Mortgage Brokers Rankings in Brandon, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Florida Mortgage Firm2216 S Alexander St, Plant City, FL 33563, USA | 5.0★ | 852 |
| #2 | Compass Mortgage LLC705 E Orange St, Lakeland, FL 33801, USA | 5.0★ | 849 |
| #3 | Quick Quote Mortgage1208 Bell Shoals Rd, Brandon, FL 33511, USA | 5.0★ | 180 |
| #4 | Neighborhood Loans – Lakeland2020 Edgewood Dr S, Lakeland, FL 33803, USA | 4.9★ | 664 |
| #5 | Jim Gaffney - Union Home Mortgage - NMLS 38440 Valrico, FL2350 East 60 Hwy., Office 41, 42, &, 57, Valrico, FL 33594, USA | 5.0★ | 74 |
| #6 | Saben Reiter | Mortgage Lender1208 Bell Shoals Rd, Brandon, FL 33511, USA | 5.0★ | 18 |
| #7 | Legacy Mortgage Lending Group, a division of Gold Star Mortgage Financial Group6152 Delancey Station St STE 105, Riverview, FL 33578, USA | 5.0★ | 149 |
| #8 | Nationwide Residential Capital, Inc. ~ NMLS# 2617281079 E Brandon Blvd, Brandon, FL 33511, USA | 5.0★ | 166 |
| #9 | Wholesale Mortgages LLC205 E Brandon Blvd Suite A, Brandon, FL 33511, USA | 4.9★ | 54 |
| #10 | Larissa DeLeon Colon - Mortgage Advisor522 Oakfield Dr, Brandon, FL 33511, USA | 5.0★ | 27 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Brandon
Neighborhood Loans – Lakeland
2020 Edgewood Dr S, Lakeland, FL 33803, USA
Jim Gaffney - Union Home Mortgage - NMLS 38440 Valrico, FL
2350 East 60 Hwy., Office 41, 42, &, 57, Valrico, FL 33594, USA
Saben Reiter | Mortgage Lender
1208 Bell Shoals Rd, Brandon, FL 33511, USA
Legacy Mortgage Lending Group, a division of Gold Star Mortgage Financial Group
6152 Delancey Station St STE 105, Riverview, FL 33578, USA
Nationwide Residential Capital, Inc. ~ NMLS# 261728
1079 E Brandon Blvd, Brandon, FL 33511, USA
Wholesale Mortgages LLC
205 E Brandon Blvd Suite A, Brandon, FL 33511, USA
Larissa DeLeon Colon - Mortgage Advisor
522 Oakfield Dr, Brandon, FL 33511, USA
PMF, Inc. DBA Pioneer Mortgage Funding. - NMLS 2686233 - Renee Sierra, Branch Manager
302 Lithia Pinecrest Rd, Brandon, FL 33511, USA
Cash Cow Funding Inc
138 W Robertson St #1, Brandon, FL 33511, USA
Florida Mortgage King
140 W Robertson St, Brandon, FL 33511, USA
Centum Mortgage Choice
457 9th St Unit #7, Brandon, MB R7A 3K8, Canada
United Mutual Funding Corp
659 W Lumsden Rd, Brandon, FL 33511, USA
First Heritage Mortgage, LLC - Tampa
4300 W Cypress St Ste. 360, Tampa, FL 33607, USA
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Frequently Asked Questions — Mortgage Brokers in Brandon
What does a mortgage broker do differently than going directly to a bank in Brandon?
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 Brandon?
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 FL?
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: June 1, 2026.
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