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Real Reviews · Lakeland
Top-Reviewed Mortgage Brokers in Lakeland, FL
What are customers actually saying? Read verified reviews for mortgage brokers in Lakeland — every rating is from a real customer.
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
Quick Quote Mortgage
1208 Bell Shoals Rd, Brandon, FL 33511, USA
Saben Reiter | Mortgage Lender
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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