Verified · Oldsmar
Trusted Mortgage Brokers in Oldsmar, FL
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Oldsmar have earned it through hundreds of verified reviews.
As of May 2026, RatingsNearMe ranks 5 mortgage brokers in Oldsmar, FL by verified customer ratings and review volume. The highest-rated is The Mortgage Firm, Inc. with a 4.9-star rating from 1,777 verified reviews. Also in the top tier: Mortgage Approval Group, LLC and 5 Star Financial Group, LLC Tampa Mortgage Broker. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
5
Businesses listed
4.8★
Avg rating
390
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
The Mortgage Firm, Inc.
921 Douglas Ave, Altamonte Springs, FL 32714, USA
Mortgage Approval Group, LLC
2918 Busch Lake Blvd A, Tampa, FL 33614, USA
5 Star Financial Group, LLC Tampa Mortgage Broker
1211 Tech Blvd Suite 110-35, Tampa, FL 33619, USA
Mortgage 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 | Mortgage Approval Group, LLC2918 Busch Lake Blvd A, Tampa, FL 33614, USA | 4.8★ | 45 |
| #3 | 5 Star Financial Group, LLC Tampa Mortgage Broker1211 Tech Blvd Suite 110-35, Tampa, FL 33619, USA | 5.0★ | 29 |
| #4 | The Associates Home Loan of Florida, Inc.14497 N Dale Mabry Hwy Ste 150, Tampa, FL 33618, USA | 4.5★ | 61 |
| #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 May 2026
All Mortgage Brokers in Oldsmar
The Associates Home Loan of Florida, Inc.
14497 N Dale Mabry Hwy Ste 150, Tampa, FL 33618, USA
Bay to Bay Lending
326 S Hyde Park Ave Suite B, Tampa, FL 33606, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Oldsmar, FL.
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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.
More Home Services in Oldsmar
Related Searches
More ways to find mortgage brokers in Oldsmar
Mortgage Brokers in nearby cities