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As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Clearwater, FL by verified customer ratings and review volume. The highest-rated is Clearwater Mortgage with a 5.0-star rating from 103 verified reviews. Also in the top tier: Money Street Mortgage, LLC and Katie Blake at Guaranteed Rate. 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 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
5★
Avg rating
55
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Money Street Mortgage, LLC
29399 US Hwy 19 N STE 350, Clearwater, FL 33761, USA
Katie Blake at Guaranteed Rate
2701 Sunset Point Rd, Clearwater, FL 33759, USA
Mortgage Brokers Rankings in Clearwater, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Clearwater Mortgage823 Court St, Clearwater, FL 33756, USA | 5.0★ | 103 |
| #2 | Money Street Mortgage, LLC29399 US Hwy 19 N STE 350, Clearwater, FL 33761, USA | 5.0★ | 22 |
| #3 | Katie Blake at Guaranteed Rate2701 Sunset Point Rd, Clearwater, FL 33759, USA | 5.0★ | 154 |
| #4 | The Mortgage Firm2451 McMullen Booth Rd Ste. 306, Clearwater, FL 33759, USA | 5.0★ | 75 |
| #5 | Moneylink Mortgage, Inc.1265 S Myrtle Ave, Clearwater, FL 33756, USA | 5.0★ | 102 |
| #6 | Ruth Schoenherr, Mortgage Broker1402 Sunset Dr, Clearwater, FL 33755, USA | 5.0★ | 25 |
| #7 | McCaughan Home Lending (Powered by Lower, LLC) - Clearwater Branch221 N Belcher Rd., Clearwater, FL 33765, USA | 5.0★ | 109 |
| #8 | Best Finance600 Cleveland St Ste 248, Clearwater, FL 33755, USA | 5.0★ | 22 |
| #9 | Florida's Best Reverse Mortgage Company (Clearwater/St. Pete)13575 58th St N Ste 108, Clearwater, FL 33760, USA | 5.0★ | 14 |
| #10 | Fairway Independent Mortgage Corporation600 Cleveland St Suite 328, Clearwater, FL 33755, USA | 4.9★ | 34 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Clearwater
The Mortgage Firm
2451 McMullen Booth Rd Ste. 306, Clearwater, FL 33759, USA
Moneylink Mortgage, Inc.
1265 S Myrtle Ave, Clearwater, FL 33756, USA
Ruth Schoenherr, Mortgage Broker
1402 Sunset Dr, Clearwater, FL 33755, USA
McCaughan Home Lending (Powered by Lower, LLC) - Clearwater Branch
221 N Belcher Rd., Clearwater, FL 33765, USA
Best Finance
600 Cleveland St Ste 248, Clearwater, FL 33755, USA
Florida's Best Reverse Mortgage Company (Clearwater/St. Pete)
13575 58th St N Ste 108, Clearwater, FL 33760, USA
Fairway Independent Mortgage Corporation
600 Cleveland St Suite 328, Clearwater, FL 33755, USA
Sean Moore - VanDyk Mortgage Corporation
14141 46th St N STE 1201 Suite 1213, Clearwater, FL 33762, USA
Florida's Best Mortgage Company
13575 58th St N Ste 108, Clearwater, FL 33760, USA
Christian Rodriguez- Home Choice Lending LLC- Clearwater, FL
5225 Tech Data Dr Suite 200: Office #2051, Clearwater, FL 33760, USA
Saleztrax Mortgage Processing
1600 W Bay Dr Suite A, Largo, FL 33770, USA
SafePoint Mortgage
1727 Coachman Plaza Dr Suite 210, Clearwater, FL 33759, USA
Choice Real Estate Funding, LLC
551 S Duncan Ave, Clearwater, FL 33756, USA
Sunshine Mortgage Brokers
801 W Bay Dr Ste 509, Largo, FL 33770, USA
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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: May 17, 2026.
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