Top Picks · Clearwater
Best Mortgage Brokers in Clearwater, FL
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 17 mortgage brokers in Clearwater, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Clearwater Mortgage with a 5.0-star rating from 103 Google reviews and an RNM Score of 95/100. Also in the top tier: Katie Blake at Guaranteed Rate and Saleztrax Mortgage Processing. The average rating across all listed mortgage brokers in Clearwater is 5 stars from 55 reviews per business on average.
Mortgage brokers in Clearwater: 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.
Best Overall
Florida's Best Reverse Mortgage Company (Clearwater/St. Pete)
It specializes in reverse mortgages and is consistently recognized as a top-ranked provider in the Clearwater area.
Most Reviewed
The Mortgage Firm
A high number of reviews reflects broad customer experience and can indicate reliable service and trustworthiness.
When choosing a mortgage broker in Clearwater, compare reviews and ask about loan options specific to your needs. Consider whether you need a conventional mortgage or a specialized product like a reverse mortgage.
Local Market Snapshot
17
Businesses listed
5★
Avg rating
55
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Earning a perfect 5.0-star rating from over 100 local reviews.
823 Court St, Clearwater, FL 33756, USARated 5.0 stars from over 150 Google reviews in Clearwater.
2701 Sunset Point Rd, Clearwater, FL 33759, USATop-rated Clearwater mortgage broker with 5.0 stars from over 140 reviews.
1600 W Bay Dr Suite A, Largo, FL 33770, USAMortgage Brokers Rankings in Clearwater, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Clearwater Mortgage823 Court St, Clearwater, FL 33756, USA | 5.0★ | 103 |
| #2 | Katie Blake at Guaranteed Rate2701 Sunset Point Rd, Clearwater, FL 33759, USA | 5.0★ | 154 |
| #3 | Saleztrax Mortgage Processing1600 W Bay Dr Suite A, Largo, FL 33770, USA | 5.0★ | 142 |
| #4 | SafePoint Mortgage1727 Coachman Plaza Dr Suite 210, Clearwater, FL 33759, USA | 4.8★ | 21 |
| #5 | Money Street Mortgage, LLC29399 US Hwy 19 N STE 350, Clearwater, FL 33761, USA | 5.0★ | 22 |
| #6 | Sunshine Mortgage Brokers801 W Bay Dr Ste 509, Largo, FL 33770, USA | 4.8★ | 56 |
| #7 | Fairway Independent Mortgage Corporation600 Cleveland St Suite 328, Clearwater, FL 33755, USA | 4.9★ | 34 |
| #8 | Moneylink Mortgage, Inc.1265 S Myrtle Ave, Clearwater, FL 33756, USA | 5.0★ | 102 |
| #9 | McCaughan Home Lending (Powered by Lower, LLC) - Clearwater Branch221 N Belcher Rd., Clearwater, FL 33765, USA | 5.0★ | 109 |
| #10 | Ruth Schoenherr, Mortgage Broker1402 Sunset Dr, Clearwater, FL 33755, USA | 5.0★ | 25 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Clearwater
Top-rated Clearwater mortgage broker with 4.8 stars from over 20 reviews.
1727 Coachman Plaza Dr Suite 210, Clearwater, FL 33759, USA
5.0 stars from 22 reviews, reflecting exceptional client satisfaction.
29399 US Hwy 19 N STE 350, Clearwater, FL 33761, USA
Top-rated Clearwater mortgage broker with 4.8 stars from 56 glowing reviews.
801 W Bay Dr Ste 509, Largo, FL 33770, USA
One of Clearwater’s top-rated mortgage brokers with a 4.9-star rating from 34 reviews.
600 Cleveland St Suite 328, Clearwater, FL 33755, USA
Earned a perfect 5.0-star rating from over 100 Google reviews.
1265 S Myrtle Ave, Clearwater, FL 33756, USA
5.0-star rating from over 100 Google reviews highlights trusted local mortgage expertise.
221 N Belcher Rd., Clearwater, FL 33765, USA
Clearwater mortgage broker with a perfect 5.0-star rating from 25 Google reviews.
1402 Sunset Dr, Clearwater, FL 33755, USA
5.0 stars from 13 Google reviews, reflecting exceptional client satisfaction locally.
5225 Tech Data Dr Suite 200: Office #2051, Clearwater, FL 33760, USA
Clearwater mortgage broker with a perfect 5.0-star rating from 75 Google reviews.
2451 McMullen Booth Rd Ste. 306, Clearwater, FL 33759, USA
5.0 stars from 22 reviews, reflecting exceptional client satisfaction.
600 Cleveland St Ste 248, Clearwater, FL 33755, USA
5.0★ from 20 Google reviews in Clearwater—exceptional local client satisfaction.
551 S Duncan Ave, Clearwater, FL 33756, USA
5.0 stars from 17 reviews, reflecting exceptional client satisfaction in Clearwater.
14141 46th St N STE 1201 Suite 1213, Clearwater, FL 33762, USA
5.0-star rated Clearwater mortgage broker with 14 glowing Google reviews.
13575 58th St N Ste 108, Clearwater, FL 33760, USA
Clearwater mortgage broker with a perfect 5.0-star rating from 5 reviews.
13575 58th St N Ste 108, Clearwater, FL 33760, USA
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Mortgage Brokers in Clearwater, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Clearwater Mortgage | 95/100 | 5.0 ★ | 103 |
| 2 | Katie Blake at Guaranteed Rate | 86/100 | 5.0 ★ | 154 |
| 3 | Saleztrax Mortgage Processing | 85/100 | 5.0 ★ | 142 |
| 4 | SafePoint Mortgage | 72/100 | 4.8 ★ | 21 |
| 5 | Money Street Mortgage, LLC | 87/100 | 5.0 ★ | 22 |
| 6 | Sunshine Mortgage Brokers | 77/100 | 4.8 ★ | 56 |
| 7 | Fairway Independent Mortgage Corporation | 76/100 | 4.9 ★ | 34 |
| 8 | Moneylink Mortgage, Inc. | 83/100 | 5.0 ★ | 102 |
| 9 | McCaughan Home Lending (Powered by Lower, LLC) - Clearwater Branch | 84/100 | 5.0 ★ | 109 |
| 10 | Ruth Schoenherr, Mortgage Broker | 76/100 | 5.0 ★ | 25 |
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 Clearwater
What does a mortgage broker do differently than going directly to a bank in Clearwater?
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 Clearwater?
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: July 4, 2026.
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