Licensed · Orange Park
Licensed & Insured Mortgage Brokers in Orange Park, FL
Every mortgage brokers listed here carries proper licensing and insurance in FL. Protect yourself — always verify credentials before work begins.
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
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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.
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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: May 17, 2026.
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