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Pricing Guide · Lakeland
Mortgage Brokers Cost in Lakeland, FL — 2026 Price Guide
What should you pay for mortgage brokers in Lakeland? See real 2026 price ranges from local pros and get free quotes to compare.
As of June 2026, RatingsNearMe ranks 20 mortgage brokers in Lakeland, FL by verified customer ratings and review volume. The highest-rated is Compass Mortgage LLC with a 5.0-star rating from 849 verified reviews. Also in the top tier: Neighborhood Loans – Lakeland and Equity Resources, Inc.. The average rating across all listed mortgage brokers in Lakeland is 4.9 stars from 167 reviews per business on average.
Mortgage brokers in Lakeland: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
167
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
Compass Mortgage LLC
705 E Orange St, Lakeland, FL 33801, USA
Neighborhood Loans – Lakeland
2020 Edgewood Dr S, Lakeland, FL 33803, USA
Equity Resources, Inc.
110 W Reynolds St #106, Plant City, FL 33563, USA
Mortgage Brokers Rankings in Lakeland, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Compass Mortgage LLC705 E Orange St, Lakeland, FL 33801, USA | 5.0★ | 849 |
| #2 | Neighborhood Loans – Lakeland2020 Edgewood Dr S, Lakeland, FL 33803, USA | 4.9★ | 664 |
| #3 | Equity Resources, Inc.110 W Reynolds St #106, Plant City, FL 33563, USA | 4.0★ | 4 |
| #4 | Plant City Mortgage1507 S Alexander St STE 101, Plant City, FL 33563, USA | — | — |
| #5 | Florida Mortgage Firm2216 S Alexander St, Plant City, FL 33563, USA | 5.0★ | 852 |
| #6 | Stone Mortgage Group3300 Joe Sanchez Rd, Plant City, FL 33565, USA | 5.0★ | 57 |
| #7 | Mortgages & More, LLC810 1st St S, Winter Haven, FL 33880, USA | 5.0★ | 11 |
| #8 | Jim Gaffney - Union Home Mortgage - NMLS 38440 Valrico, FL2350 East 60 Hwy., Office 41, 42, &, 57, Valrico, FL 33594, USA | 5.0★ | 74 |
| #9 | Swift Home Mortgage1093 E Brandon Blvd, Brandon, FL 33511, USA | 4.9★ | 62 |
| #10 | Nationwide Residential Capital, Inc. ~ NMLS# 2617281079 E Brandon Blvd, Brandon, FL 33511, USA | 5.0★ | 166 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Lakeland
Plant City Mortgage
1507 S Alexander St STE 101, Plant City, FL 33563, USA
Florida Mortgage Firm
2216 S Alexander St, Plant City, FL 33563, USA
Stone Mortgage Group
3300 Joe Sanchez Rd, Plant City, FL 33565, USA
Mortgages & More, LLC
810 1st St S, Winter Haven, FL 33880, USA
Jim Gaffney - Union Home Mortgage - NMLS 38440 Valrico, FL
2350 East 60 Hwy., Office 41, 42, &, 57, Valrico, FL 33594, USA
Nationwide Residential Capital, Inc. ~ NMLS# 261728
1079 E Brandon Blvd, Brandon, FL 33511, USA
Saben Reiter | Mortgage Lender
1208 Bell Shoals Rd, Brandon, FL 33511, USA
Quick Quote Mortgage
1208 Bell Shoals Rd, Brandon, FL 33511, USA
PMF, Inc. DBA Pioneer Mortgage Funding. - NMLS 2686233 - Renee Sierra, Branch Manager
302 Lithia Pinecrest Rd, Brandon, FL 33511, USA
Wholesale Mortgages LLC
205 E Brandon Blvd Suite A, Brandon, FL 33511, USA
Cash Cow Funding Inc
138 W Robertson St #1, Brandon, FL 33511, USA
Florida Mortgage King
140 W Robertson St, Brandon, FL 33511, USA
Larissa DeLeon Colon - Mortgage Advisor
522 Oakfield Dr, Brandon, FL 33511, USA
United Mutual Funding Corp
659 W Lumsden Rd, Brandon, FL 33511, USA
5 Star Financial Group, LLC Tampa Mortgage Broker
1211 Tech Blvd Suite 110-35, Tampa, FL 33619, USA
247 Home Loans.net
11256 Winthrop Main St, Riverview, FL 33578, USA
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Frequently Asked Questions — Mortgage Brokers in Lakeland
What does a mortgage broker do differently than going directly to a bank in Lakeland?
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 Lakeland?
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: June 1, 2026.
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