Top Picks · Orange Park
Best Mortgage Brokers in Orange Park, FL
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 13 mortgage brokers in Orange Park, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Kim Cole - The Cole Team - Fairway Home Mortgage with a 5.0-star rating from 170 Google reviews and an RNM Score of 86/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Jax Mortgage Loans Inc
As the top-ranked broker in Orange Park, Jax Mortgage Loans Inc leads with a strong reputation for local expertise and client satisfaction.
Most Reviewed
Savannah Shirley - First Florida Mortgage
A high review count suggests a proven track record of customer trust and consistent service quality.
When choosing a mortgage broker in Orange Park, compare multiple options to find one that aligns with your specific loan needs and timeline. Always verify licensing and read recent reviews to gauge current service levels.
Local Market Snapshot
13
Businesses listed
4.9★
Avg rating
37
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
5.0-star rating from over 170 Google reviews in Orange Park.
462 Kingsley Ave Suite 102, Orange Park, FL 32073, USA4.9-star rating from 60 Google reviews reflects exceptional local client satisfaction.
1734 Kingsley Ave #3, Orange Park, FL 32073, USAOrange Park mortgage broker with a perfect 5.0-star rating from 49 reviews.
534 Park Ave Suite 4, Orange Park, FL 32073, USAMortgage 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 | Carlie McLeod - Mortgage Loan Officer - Fairway - NMLS #2052846462 Kingsley Ave Suite 102, Orange Park, FL 32073, USA | 5.0★ | 38 |
| #5 | Jax Mortgage Loans Inc1700 Wells Rd Ste 1, Orange Park, FL 32073, USA | 5.0★ | 11 |
| #6 | First Florida Mortgage534-4 Park Ave Suite 4, Orange Park, FL 32073, USA | 5.0★ | 1 |
| #7 | First Florida Financial13400 Sutton Park Dr S Suite 1502, Jacksonville, FL 32224, USA | 4.6★ | 50 |
| #8 | Melissa Laughlin1925 Park Ave, Orange Park, FL 32073, USA | 5.0★ | 3 |
| #9 | Hannah Mae - First Florida Mortgage534 Park Ave Suite 4, Orange Park, FL 32073, USA | — | — |
| #10 | Jimmy Nolan II - Gateway Mortgage1734 Kingsley Ave #3, Orange Park, FL 32073, USA | 5.0★ | 22 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Orange Park
5.0 stars from 38 reviews, a trusted choice for Orange Park mortgages.
462 Kingsley Ave Suite 102, Orange Park, FL 32073, USA
Exceptional 5.0-star rating based on 11 Google reviews.
1700 Wells Rd Ste 1, Orange Park, FL 32073, USA
Exceptional 5.0-star rating from a few Google reviews for a local mortgage broker.
534-4 Park Ave Suite 4, Orange Park, FL 32073, USA
Trusted by local clients with a strong 4.6-star rating from dozens of reviews.
13400 Sutton Park Dr S Suite 1502, Jacksonville, FL 32224, USA
5.0-star rating from 3 Google reviews, reflecting exceptional client satisfaction.
1925 Park Ave, Orange Park, FL 32073, USA
This business has no Google reviews yet, so its reputation is unrated locally.
534 Park Ave Suite 4, Orange Park, FL 32073, USA
5.0 stars from 22 reviews, reflecting exceptional client satisfaction in Orange Park.
1734 Kingsley Ave #3, Orange Park, FL 32073, USA
Exceptional 5.0-star rating from 2 Google reviews for this Orange Park mortgage broker.
Park Ave, Orange Park, FL 32073, USA
Consistently earns a perfect 5.0-star rating from dozens of local reviews.
1925 Park Ave STE 5, Orange Park, FL 32073, USA
Trusted local lender with a solid 4.2-star rating from recent reviews.
462 Kingsley Ave Suite 102, Orange Park, FL 32073, USA
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Mortgage Brokers in Orange Park, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Kim Cole - The Cole Team - Fairway Home Mortgage | 86/100 | 5.0 ★ | 170 |
| 2 | Shari Reeves - Gateway Mortgage | 79/100 | 4.9 ★ | 60 |
| 3 | Julie Payton - First Florida Mortgage | 80/100 | 5.0 ★ | 49 |
| 4 | Carlie McLeod - Mortgage Loan Officer - Fairway - NMLS #2052846 | 78/100 | 5.0 ★ | 38 |
| 5 | Jax Mortgage Loans Inc | 72/100 | 5.0 ★ | 11 |
| 6 | First Florida Mortgage | 62/100 | 5.0 ★ | 1 |
| 7 | First Florida Financial | 73/100 | 4.6 ★ | 50 |
| 8 | Melissa Laughlin | 66/100 | 5.0 ★ | 3 |
| 9 | Hannah Mae - First Florida Mortgage | 3/100 | — | 0 |
| 10 | Jimmy Nolan II - Gateway Mortgage | 75/100 | 5.0 ★ | 22 |
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 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: July 4, 2026.
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