4.5+ Stars · St. Augustine
Highly Rated Mortgage Brokers in St. Augustine, FL
Only the best make this list. These mortgage brokers in St. Augustine have earned 4.5+ star ratings from real customers — consistently.
As of May 2026, RatingsNearMe ranks 18 mortgage brokers in St. Augustine, FL by verified customer ratings and review volume. The highest-rated is Coast2Coast Mortgage Lending with a 4.9-star rating from 404 verified reviews. Also in the top tier: Packo Financial Group and HMA Mortgage. The average rating across all listed mortgage brokers in St. Augustine is 5 stars from 49 reviews per business on average.
Mortgage brokers in St. Augustine: 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
18
Businesses listed
5★
Avg rating
49
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Coast2Coast Mortgage Lending
125 B King St, St. Augustine, FL 32084, USA
Packo Financial Group
101 Whitehall Dr STE 101, St. Augustine, FL 32086, USA
HMA Mortgage
2730 US-1 STE J, St. Augustine, FL 32086, USA
Mortgage Brokers Rankings in St. Augustine, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Coast2Coast Mortgage Lending125 B King St, St. Augustine, FL 32084, USA | 4.9★ | 404 |
| #2 | Packo Financial Group101 Whitehall Dr STE 101, St. Augustine, FL 32086, USA | 5.0★ | 98 |
| #3 | HMA Mortgage2730 US-1 STE J, St. Augustine, FL 32086, USA | 4.9★ | 63 |
| #4 | St. Augustine Mortgage | Fidelity Home Group100 Island Cottage Way, St. Augustine, FL 32080, USA | 5.0★ | 8 |
| #5 | RMG Mortgage Group LLC2085 A1A S #204, St. Augustine, FL 32080, USA | 4.9★ | 62 |
| #6 | Union Home Mortgage108 Sea Grove Main St suite c, St. Augustine, FL 32080, USA | 5.0★ | 26 |
| #7 | First Home Equity Loans88 Riberia St #150, St. Augustine, FL 32084, USA | 5.0★ | 5 |
| #8 | Austin Ross -Mortgage Broker125 B King St, St. Augustine, FL 32084, USA | 5.0★ | 8 |
| #9 | CBGC Mortgage405 Lake Monroe Pl, St. Augustine, FL 32092, USA | 4.8★ | 38 |
| #10 | Jaren Woeppel Motto Mortgage Invictus9 Ct Theophelia, St. Augustine, FL 32084, USA | 5.0★ | 36 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in St. Augustine
St. Augustine Mortgage | Fidelity Home Group
100 Island Cottage Way, St. Augustine, FL 32080, USA
RMG Mortgage Group LLC
2085 A1A S #204, St. Augustine, FL 32080, USA
Union Home Mortgage
108 Sea Grove Main St suite c, St. Augustine, FL 32080, USA
First Home Equity Loans
88 Riberia St #150, St. Augustine, FL 32084, USA
Austin Ross -Mortgage Broker
125 B King St, St. Augustine, FL 32084, USA
CBGC Mortgage
405 Lake Monroe Pl, St. Augustine, FL 32092, USA
Jaren Woeppel Motto Mortgage Invictus
9 Ct Theophelia, St. Augustine, FL 32084, USA
Antionette Jarrett - Certified Veteran Mortgage Advisor - Coast2Coast Mortgage Lending
93 1/2 King St, St. Augustine, FL 32084, USA
Mortgage Market Inc
3770 US-1, St. Augustine, FL 32086, USA
Bethany Butler NMLS 67095 Coast2Coast Mortgage Lending
125 B King St, St. Augustine, FL 32084, USA
Carmen Richardson NMLS# 375570 - Coast2Coast Mortgage Lending
93 1/2 King St, St. Augustine, FL 32084, USA
Donna McGee - Union Home Mortgage
108 Sea Grove Main St suite c, St. Augustine, FL 32080, USA
On Q Home Loans | St. Augustine
975 S Ponce De Leon Blvd Suite E, St. Augustine, FL 32084, USA
Coast2Coast Mortgage Lending | Eric Marques
93 1/2 King St, St. Augustine, FL 32084, USA
Loan Officer - 912272
93 King St, St. Augustine, FL 32084, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in St. Augustine, FL.
Frequently Asked Questions — Mortgage Brokers in St. Augustine
What does a mortgage broker do differently than going directly to a bank in St. Augustine?
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 St. Augustine?
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 St. Augustine
Related Searches
More ways to find mortgage brokers in St. Augustine
Mortgage Brokers in nearby cities