Real Reviews · Brandon
Top-Reviewed Mortgage Brokers in Brandon, FL
What are customers actually saying? Read verified reviews for mortgage brokers in Brandon — every rating is from a real customer.
As of June 2026, RatingsNearMe ranks 17 mortgage brokers in Brandon, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Florida Mortgage Firm with a 5.0-star rating from 852 Google reviews and an RNM Score of 88/100. Also in the top tier: Compass Mortgage LLC and Neighborhood Loans – Lakeland. 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 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Jim Gaffney - Union Home Mortgage - NMLS 38440 Valrico, FL
Jim Gaffney is top-ranked for his extensive experience and strong reputation in the Brandon area.
Most Reviewed
Jim Gaffney - Union Home Mortgage - NMLS 38440 Valrico, FL
A high number of reviews indicates a track record of client satisfaction and reliable service.
When choosing a mortgage broker in Brandon, consider their local market knowledge and responsiveness. Always verify licensing and read recent client reviews to ensure a good fit for your needs.
Local Market Snapshot
17
Businesses listed
4.9★
Avg rating
195
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Brandon's top-rated mortgage broker, with 5.0 stars from over 850 Google reviews.
2216 S Alexander St, Plant City, FL 33563, USABrandon's top-rated mortgage broker with a flawless 5.0★ from 849 reviews.
705 E Orange St, Lakeland, FL 33801, USATrusted by hundreds of local clients with a stellar 4.9-star rating.
2020 Edgewood Dr S, Lakeland, FL 33803, USAMortgage 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 | Neighborhood Loans – Lakeland2020 Edgewood Dr S, Lakeland, FL 33803, USA | 4.9★ | 664 |
| #4 | Jim Gaffney - Union Home Mortgage - NMLS 38440 Valrico, FL2350 East 60 Hwy., Office 41, 42, &, 57, Valrico, FL 33594, USA | 5.0★ | 74 |
| #5 | United Mutual Funding Corp659 W Lumsden Rd, Brandon, FL 33511, USA | 4.6★ | 44 |
| #6 | Cash Cow Funding Inc138 W Robertson St #1, Brandon, FL 33511, USA | 4.9★ | 20 |
| #7 | Florida Mortgage King140 W Robertson St, Brandon, FL 33511, USA | 5.0★ | 1 |
| #8 | Nationwide Residential Capital, Inc. ~ NMLS# 2617281079 E Brandon Blvd, Brandon, FL 33511, USA | 5.0★ | 166 |
| #9 | Legacy Mortgage Lending Group, a division of Gold Star Mortgage Financial Group6152 Delancey Station St STE 105, Riverview, FL 33578, USA | 5.0★ | 149 |
| #10 | Quick Quote Mortgage1208 Bell Shoals Rd, Brandon, FL 33511, USA | 5.0★ | 180 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Brandon
Boasts a perfect 5.0-star rating from 74 Google reviews in Brandon, FL.
2350 East 60 Hwy., Office 41, 42, &, 57, Valrico, FL 33594, USA
Rated 4.6 stars from 44 Google reviews, this Brandon mortgage broker is highly trusted.
659 W Lumsden Rd, Brandon, FL 33511, USA
Trusted Brandon mortgage broker with a stellar 4.9-star rating from 20 glowing reviews.
138 W Robertson St #1, Brandon, FL 33511, USA
A trusted local option with a perfect 5.0-star rating from a small number of reviews.
140 W Robertson St, Brandon, FL 33511, USA
Brandon's top-rated mortgage broker with a perfect 5.0★ score from 166 reviews.
1079 E Brandon Blvd, Brandon, FL 33511, USA
5.0 stars from 149 reviews, reflecting exceptional client satisfaction and trust.
6152 Delancey Station St STE 105, Riverview, FL 33578, USA
Brandon, FL mortgage broker with 5.0 stars from 180 Google reviews.
1208 Bell Shoals Rd, Brandon, FL 33511, USA
Brandon FL mortgage broker with a perfect 5.0★ rating from 27 Google reviews.
522 Oakfield Dr, Brandon, FL 33511, USA
Rated 5.0 stars from 18 Google reviews, this Brandon mortgage broker is highly trusted.
1208 Bell Shoals Rd, Brandon, FL 33511, USA
Brandon's top-rated mortgage broker with 4.8 stars from 24 glowing Google reviews.
457 9th St Unit #7, Brandon, MB R7A 3K8, Canada
Rated 4.9 stars from 54 Google reviews for trusted mortgage guidance in Brandon.
205 E Brandon Blvd Suite A, Brandon, FL 33511, USA
Brandon mortgage broker with a perfect 5.0-star rating from 40 Google reviews.
302 Lithia Pinecrest Rd, Brandon, FL 33511, USA
Rated 4.9 stars from 62 Google reviews by local clients.
1093 E Brandon Blvd, Brandon, FL 33511, USA
Consistently high 4.6-star rating from nearly 100 local Google reviews.
4300 W Cypress St Ste. 360, Tampa, FL 33607, USA
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Mortgage Brokers in Brandon, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Florida Mortgage Firm | 88/100 | 5.0 ★ | 852 |
| 2 | Compass Mortgage LLC | 88/100 | 5.0 ★ | 849 |
| 3 | Neighborhood Loans – Lakeland | 87/100 | 4.9 ★ | 664 |
| 4 | Jim Gaffney - Union Home Mortgage - NMLS 38440 Valrico, FL | 82/100 | 5.0 ★ | 74 |
| 5 | United Mutual Funding Corp | 84/100 | 4.6 ★ | 44 |
| 6 | Cash Cow Funding Inc | 73/100 | 4.9 ★ | 20 |
| 7 | Florida Mortgage King | 62/100 | 5.0 ★ | 1 |
| 8 | Nationwide Residential Capital, Inc. ~ NMLS# 261728 | 98/100 | 5.0 ★ | 166 |
| 9 | Legacy Mortgage Lending Group, a division of Gold Star Mortgage Financial Group | 89/100 | 5.0 ★ | 149 |
| 10 | Quick Quote Mortgage | 98/100 | 5.0 ★ | 180 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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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 10, 2026.
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