Local Pros · Carmel
Local Mortgage Brokers in Carmel, IN
Locally owned and operated mortgage brokers serving Carmel and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 17 mortgage brokers in Carmel, IN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Chad Fallis at CrossCountry Mortgage with a 5.0-star rating from 255 Google reviews and an RNM Score of 88/100. 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 July 4, 2026 · RNM Score = 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
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Carmel mortgage broker with a flawless 5.0-star rating from over 250 reviews.
645 W Carmel Dr Suite 170, Carmel, IN 46032, USACarmel mortgage broker with a perfect 5.0-star rating from 183 Google reviews.
601 E Greyhound Pass, Carmel, IN 46032, USACarmel mortgage broker with a 4.8-star rating from over 200 Google reviews.
11555 N Meridian St Suite 210, Carmel, IN 46032, USAMortgage 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 | Brokered Rate Mortgage Corp.408 W Main St, Carmel, IN 46032, USA | 5.0★ | 17 |
| #5 | Olivia Smith at Rate (NMLS #1477981)252 W Main St, Carmel, IN 46032, USA | 5.0★ | 31 |
| #6 | Ruoff Mortgage - Carmel11711 N Meridian St #130, Carmel, IN 46032, USA | 4.9★ | 98 |
| #7 | Mack Howell - First Community Mortgage - NMLS ID 362121600 E Carmel Dr #124, Carmel, IN 46032, USA | 5.0★ | 132 |
| #8 | Mark Kuchik at CrossCountry Mortgage645 W Carmel Dr Suite 170, Carmel, IN 46032, USA | 5.0★ | 113 |
| #9 | Mortgage with Madeline252 W Main St, Carmel, IN 46032, USA | 5.0★ | 80 |
| #10 | Verified Mortgage38 W Main St Suite 119, Carmel, IN 46032, USA | 5.0★ | 68 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Carmel
Consistently earns perfect 5.0-star ratings from over a dozen reviews.
408 W Main St, Carmel, IN 46032, USA
A 5.0-star rating from 31 Google reviews reflects exceptional client satisfaction in Carmel.
252 W Main St, Carmel, IN 46032, USA
A 4.9-star rating from 98 Google reviews highlights trusted local mortgage guidance.
11711 N Meridian St #130, Carmel, IN 46032, USA
Consistently rated 5.0 stars from over 130 Google reviews in Carmel.
600 E Carmel Dr #124, Carmel, IN 46032, USA
Carmel mortgage broker with an exceptional 5.0-star rating from over 100 Google reviews.
645 W Carmel Dr Suite 170, Carmel, IN 46032, USA
5.0 stars from 80 Google reviews, reflecting exceptional local client satisfaction.
252 W Main St, Carmel, IN 46032, USA
5.0 stars from 68 Google reviews, reflecting consistent client satisfaction.
38 W Main St Suite 119, Carmel, IN 46032, USA
4.8-star rating from 47 Google reviews reflects exceptional local client satisfaction.
811 W Main St Suite 210, Carmel, IN 46032, USA
5.0 stars from 42 reviews makes them a top-rated Carmel mortgage broker.
252 W Main St, Carmel, IN 46032, USA
This local lender holds a 3.7-star rating from 15 Google reviews.
645 W Carmel Dr Suite 170, Carmel, IN 46032, USA
Earned a perfect 5.0-star rating from 89 Google reviews.
11711 N Meridian St #130, Carmel, IN 46032, USA
Carmel mortgage broker with 5.0 stars from 71 Google reviews.
600 E Carmel Dr SUITE 272, Carmel, IN 46032, USA
A trusted Carmel mortgage broker with a 4.9-star rating from 59 reviews.
15 E Main St Ste 300, Carmel, IN 46032, USA
4.5 stars from 13 reviews for this Carmel mortgage broker.
865 W Carmel Dr #112, Carmel, IN 46032, USA
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Mortgage Brokers in Carmel, IN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Chad Fallis at CrossCountry Mortgage | 88/100 | 5.0 ★ | 255 |
| 2 | Powell Home Mortgage | 87/100 | 5.0 ★ | 183 |
| 3 | Lennar Mortgage, LLC Indiana | 84/100 | 4.8 ★ | 226 |
| 4 | Brokered Rate Mortgage Corp. | 74/100 | 5.0 ★ | 17 |
| 5 | Olivia Smith at Rate (NMLS #1477981) | 77/100 | 5.0 ★ | 31 |
| 6 | Ruoff Mortgage - Carmel | 82/100 | 4.9 ★ | 98 |
| 7 | Mack Howell - First Community Mortgage - NMLS ID 362121 | 85/100 | 5.0 ★ | 132 |
| 8 | Mark Kuchik at CrossCountry Mortgage | 84/100 | 5.0 ★ | 113 |
| 9 | Mortgage with Madeline | 82/100 | 5.0 ★ | 80 |
| 10 | Verified Mortgage | 81/100 | 5.0 ★ | 68 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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: July 4, 2026.
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