Best Value · Orange Park
Affordable Mortgage Brokers in Orange Park, FL
Find quality mortgage brokers that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of May 2026, RatingsNearMe ranks 13 mortgage brokers in Orange Park, FL by verified customer ratings and review volume. The highest-rated is Kim Cole - The Cole Team - Fairway Home Mortgage with a 5.0-star rating from 170 verified reviews. Also in the top tier: Shari Reeves - Gateway Mortgage and Julie Payton - First Florida Mortgage. The average rating across all listed mortgage brokers in Orange Park is 4.9 stars from 37 reviews per business on average.
Mortgage brokers in Orange Park: 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
13
Businesses listed
4.9★
Avg rating
37
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Kim Cole - The Cole Team - Fairway Home Mortgage
462 Kingsley Ave Suite 102, Orange Park, FL 32073, USA
Shari Reeves - Gateway Mortgage
1734 Kingsley Ave #3, Orange Park, FL 32073, USA
Julie Payton - First Florida Mortgage
534 Park Ave Suite 4, Orange Park, FL 32073, USA
Mortgage Brokers Rankings in Orange Park, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Kim Cole - The Cole Team - Fairway Home Mortgage462 Kingsley Ave Suite 102, Orange Park, FL 32073, USA | 5.0★ | 170 |
| #2 | Shari Reeves - Gateway Mortgage1734 Kingsley Ave #3, Orange Park, FL 32073, USA | 4.9★ | 60 |
| #3 | Julie Payton - First Florida Mortgage534 Park Ave Suite 4, Orange Park, FL 32073, USA | 5.0★ | 49 |
| #4 | Bold City Mortgage1925 Park Ave STE 5, Orange Park, FL 32073, USA | 5.0★ | 30 |
| #5 | Carlie McLeod - Mortgage Loan Officer - Fairway - NMLS #2052846462 Kingsley Ave Suite 102, Orange Park, FL 32073, USA | 5.0★ | 38 |
| #6 | First Florida Mortgage534-4 Park Ave Suite 4, Orange Park, FL 32073, USA | 5.0★ | 1 |
| #7 | Jax Mortgage Loans Inc1700 Wells Rd Ste 1, Orange Park, FL 32073, USA | 5.0★ | 11 |
| #8 | Savannah Shirley - First Florida MortgagePark Ave, Orange Park, FL 32073, USA | 5.0★ | 2 |
| #9 | Jimmy Nolan II - Gateway Mortgage1734 Kingsley Ave #3, Orange Park, FL 32073, USA | 5.0★ | 22 |
| #10 | First Florida Financial13400 Sutton Park Dr S Suite 1502, Jacksonville, FL 32224, USA | 4.6★ | 50 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Orange Park
Bold City Mortgage
1925 Park Ave STE 5, Orange Park, FL 32073, USA
Carlie McLeod - Mortgage Loan Officer - Fairway - NMLS #2052846
462 Kingsley Ave Suite 102, Orange Park, FL 32073, USA
First Florida Mortgage
534-4 Park Ave Suite 4, Orange Park, FL 32073, USA
Jax Mortgage Loans Inc
1700 Wells Rd Ste 1, Orange Park, FL 32073, USA
Savannah Shirley - First Florida Mortgage
Park Ave, Orange Park, FL 32073, USA
Jimmy Nolan II - Gateway Mortgage
1734 Kingsley Ave #3, Orange Park, FL 32073, USA
First Florida Financial
13400 Sutton Park Dr S Suite 1502, Jacksonville, FL 32224, USA
Melissa Laughlin
1925 Park Ave, Orange Park, FL 32073, USA
Jade Zoller | Fairway Independent Mortgage Corporation Mortgage Specialist
462 Kingsley Ave Suite 102, Orange Park, FL 32073, USA
Hannah Mae - First Florida Mortgage
534 Park Ave Suite 4, Orange Park, FL 32073, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Orange Park, FL.
Frequently Asked Questions — Mortgage Brokers in Orange Park
What does a mortgage broker do differently than going directly to a bank in Orange Park?
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 Orange Park?
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 Orange Park
Related Searches
More ways to find mortgage brokers in Orange Park
Mortgage Brokers in nearby cities