Local Pros · Clearwater
Local Mortgage Brokers in Clearwater, FL
Locally owned and operated mortgage brokers serving Clearwater and the surrounding area. Supporting local businesses means faster response and accountability.
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: 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 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
Katie Blake at Guaranteed Rate
2701 Sunset Point Rd, Clearwater, FL 33759, USA
Saleztrax Mortgage Processing
1600 W Bay Dr Suite A, Largo, FL 33770, USA
Mortgage 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 | Money Street Mortgage, LLC29399 US Hwy 19 N STE 350, Clearwater, FL 33761, USA | 5.0★ | 22 |
| #5 | The Mortgage Firm2451 McMullen Booth Rd Ste. 306, Clearwater, FL 33759, USA | 5.0★ | 75 |
| #6 | Moneylink Mortgage, Inc.1265 S Myrtle Ave, Clearwater, FL 33756, USA | 5.0★ | 102 |
| #7 | Ruth Schoenherr, Mortgage Broker1402 Sunset Dr, Clearwater, FL 33755, USA | 5.0★ | 25 |
| #8 | McCaughan Home Lending (Powered by Lower, LLC) - Clearwater Branch221 N Belcher Rd., Clearwater, FL 33765, USA | 5.0★ | 109 |
| #9 | Best Finance600 Cleveland St Ste 248, Clearwater, FL 33755, USA | 5.0★ | 22 |
| #10 | Florida's Best Reverse Mortgage Company (Clearwater/St. Pete)13575 58th St N Ste 108, Clearwater, FL 33760, USA | 5.0★ | 14 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Clearwater
Money Street Mortgage, LLC
29399 US Hwy 19 N STE 350, Clearwater, FL 33761, USA
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
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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