10+ Years · Carmel
Experienced Mortgage Brokers in Carmel, IN
Experience matters. These mortgage brokers in Carmel have years of proven work behind them — and the reviews to back it up.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Carmel, IN by verified customer ratings and review volume. The highest-rated is Chad Fallis at CrossCountry Mortgage with a 5.0-star rating from 255 verified reviews. Also in the top tier: Powell Home Mortgage and Lennar Mortgage, LLC Indiana. The average rating across all listed mortgage brokers in Carmel is 4.9 stars from 91 reviews per business on average.
Mortgage brokers in Carmel: 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
17
Businesses listed
4.9★
Avg rating
91
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Chad Fallis at CrossCountry Mortgage
645 W Carmel Dr Suite 170, Carmel, IN 46032, USA
Powell Home Mortgage
601 E Greyhound Pass, Carmel, IN 46032, USA
Lennar Mortgage, LLC Indiana
11555 N Meridian St Suite 210, Carmel, IN 46032, USA
Mortgage Brokers Rankings in Carmel, IN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Chad Fallis at CrossCountry Mortgage645 W Carmel Dr Suite 170, Carmel, IN 46032, USA | 5.0★ | 255 |
| #2 | Powell Home Mortgage601 E Greyhound Pass, Carmel, IN 46032, USA | 5.0★ | 183 |
| #3 | Lennar Mortgage, LLC Indiana11555 N Meridian St Suite 210, Carmel, IN 46032, USA | 4.8★ | 226 |
| #4 | Verified Mortgage38 W Main St Suite 119, Carmel, IN 46032, USA | 5.0★ | 68 |
| #5 | Mortgage with Madeline252 W Main St, Carmel, IN 46032, USA | 5.0★ | 80 |
| #6 | Mark Kuchik at CrossCountry Mortgage645 W Carmel Dr Suite 170, Carmel, IN 46032, USA | 5.0★ | 113 |
| #7 | Advisors Mortgage Group - Carmel, IN - South600 E Carmel Dr SUITE 272, Carmel, IN 46032, USA | 5.0★ | 71 |
| #8 | Chris Cannon, Ruoff Mortgage11711 N Meridian St #130, Carmel, IN 46032, USA | 5.0★ | 89 |
| #9 | Advisors Mortgage Group - Carmel, IN811 W Main St Suite 210, Carmel, IN 46032, USA | 4.8★ | 47 |
| #10 | Mack Howell - First Community Mortgage - NMLS ID 362121600 E Carmel Dr #124, Carmel, IN 46032, USA | 5.0★ | 132 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Carmel
Verified Mortgage
38 W Main St Suite 119, Carmel, IN 46032, USA
Mortgage with Madeline
252 W Main St, Carmel, IN 46032, USA
Mark Kuchik at CrossCountry Mortgage
645 W Carmel Dr Suite 170, Carmel, IN 46032, USA
Advisors Mortgage Group - Carmel, IN - South
600 E Carmel Dr SUITE 272, Carmel, IN 46032, USA
Chris Cannon, Ruoff Mortgage
11711 N Meridian St #130, Carmel, IN 46032, USA
Advisors Mortgage Group - Carmel, IN
811 W Main St Suite 210, Carmel, IN 46032, USA
Mack Howell - First Community Mortgage - NMLS ID 362121
600 E Carmel Dr #124, Carmel, IN 46032, USA
Duffy Mullen - Leader One Financial
15 E Main St Ste 300, Carmel, IN 46032, USA
Brokered Rate Mortgage Corp.
408 W Main St, Carmel, IN 46032, USA
Atlantic Mortgage Inc.
865 W Carmel Dr #112, Carmel, IN 46032, USA
Chris Pisano at Rate (NMLS #1493954)
252 W Main St, Carmel, IN 46032, USA
CrossCountry Mortgage, LLC
645 W Carmel Dr Suite 170, Carmel, IN 46032, USA
Olivia Smith at Rate (NMLS #1477981)
252 W Main St, Carmel, IN 46032, USA
Ruoff Mortgage - Carmel
11711 N Meridian St #130, Carmel, IN 46032, USA
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Frequently Asked Questions — Mortgage Brokers in Carmel
What does a mortgage broker do differently than going directly to a bank in Carmel?
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 Carmel?
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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