Pricing Guide · Oldsmar
Mortgage Brokers Cost in Oldsmar, FL — 2026 Price Guide
What should you pay for mortgage brokers in Oldsmar? See real 2026 price ranges from local pros and get free quotes to compare.
As of July 2026, RatingsNearMe ranks 5 mortgage brokers in Oldsmar, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is The Mortgage Firm, Inc. with a 4.9-star rating from 1,777 Google reviews and an RNM Score of 87/100. Also in the top tier: The Associates Home Loan of Florida, Inc. and Mortgage Approval Group, LLC. The average rating across all listed mortgage brokers in Oldsmar is 4.8 stars from 390 reviews per business on average.
Mortgage brokers in Oldsmar: 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
Mortgage Approval Group, LLC
Consistently ranked highest in customer satisfaction and service quality in Oldsmar.
Most Reviewed
The Mortgage Firm, Inc.
With the most online reviews, it indicates extensive experience and reliability.
When choosing a mortgage broker, verify their licensing, compare loan options, and read recent reviews to ensure they meet your specific needs. Local expertise in Oldsmar can help navigate Florida's unique real estate market.
Local Market Snapshot
5
Businesses listed
4.8★
Avg rating
390
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
4.9 stars from over 1,700 reviews makes this Oldsmar broker highly trusted.
921 Douglas Ave, Altamonte Springs, FL 32714, USATop-rated Oldsmar mortgage broker with a 4.5-star rating from over 60 reviews.
14497 N Dale Mabry Hwy Ste 150, Tampa, FL 33618, USAConsistently rated 4.8 stars from 45 Google reviews in Oldsmar.
2918 Busch Lake Blvd A, Tampa, FL 33614, USAMortgage Brokers Rankings in Oldsmar, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | The Mortgage Firm, Inc.921 Douglas Ave, Altamonte Springs, FL 32714, USA | 4.9★ | 1,777 |
| #2 | The Associates Home Loan of Florida, Inc.14497 N Dale Mabry Hwy Ste 150, Tampa, FL 33618, USA | 4.5★ | 61 |
| #3 | Mortgage Approval Group, LLC2918 Busch Lake Blvd A, Tampa, FL 33614, USA | 4.8★ | 45 |
| #4 | 5 Star Financial Group, LLC Tampa Mortgage Broker1211 Tech Blvd Suite 110-35, Tampa, FL 33619, USA | 5.0★ | 29 |
| #5 | Bay to Bay Lending326 S Hyde Park Ave Suite B, Tampa, FL 33606, USA | 4.6★ | 36 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Oldsmar
Top-rated Oldsmar mortgage broker with a perfect 5.0★ score from 29 reviews.
1211 Tech Blvd Suite 110-35, Tampa, FL 33619, USA
Trusted by local clients with a strong 4.6-star rating from 36 reviews.
326 S Hyde Park Ave Suite B, Tampa, FL 33606, USA
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We'll connect you with the top mortgage brokers in Oldsmar, FL.
Mortgage Brokers in Oldsmar, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | The Mortgage Firm, Inc. | 87/100 | 4.9 ★ | 1,777 |
| 2 | The Associates Home Loan of Florida, Inc. | 72/100 | 4.5 ★ | 61 |
| 3 | Mortgage Approval Group, LLC | 76/100 | 4.8 ★ | 45 |
| 4 | 5 Star Financial Group, LLC Tampa Mortgage Broker | 77/100 | 5.0 ★ | 29 |
| 5 | Bay to Bay Lending | 71/100 | 4.6 ★ | 36 |
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 Oldsmar
What does a mortgage broker do differently than going directly to a bank in Oldsmar?
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 Oldsmar?
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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