Licensed · St. Augustine
Licensed & Insured Mortgage Brokers in St. Augustine, FL
Every mortgage brokers listed here carries proper licensing and insurance in FL. Protect yourself — always verify credentials before work begins.
As of June 2026, RatingsNearMe ranks 18 mortgage brokers in St. Augustine, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Coast2Coast Mortgage Lending with a 4.9-star rating from 404 Google reviews and an RNM Score of 87/100. 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 June 13, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Packo Financial Group
Packo Financial Group is frequently top-ranked for its combination of competitive rates, personalized service, and deep local market knowledge.
Most Reviewed
St. Augustine Mortgage | Fidelity Home Group
A high number of reviews builds trust and provides prospective borrowers with a wider sample of client experiences.
When choosing a mortgage broker in St. Augustine, compare loan options and fees from multiple brokers, and prioritize those with strong local reputations and transparent communication.
Local Market Snapshot
18
Businesses listed
5★
Avg rating
49
Avg reviews
Jun 13, 2026
Last updated
Top Rated Mortgage Brokers
Rated 4.9 stars from over 400 Google reviews, this St. Augustine mortgage broker is highly trusted.
125 B King St, St. Augustine, FL 32084, USA5.0 stars from 98 reviews, making them a trusted local mortgage choice.
101 Whitehall Dr STE 101, St. Augustine, FL 32086, USASt. Augustine mortgage broker with a 4.9-star rating from 63 Google reviews.
2730 US-1 STE J, St. Augustine, FL 32086, USAMortgage 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 | Bethany Butler NMLS 67095 Coast2Coast Mortgage Lending125 B King St, St. Augustine, FL 32084, USA | 5.0★ | 28 |
| #5 | CBGC Mortgage405 Lake Monroe Pl, St. Augustine, FL 32092, USA | 4.8★ | 38 |
| #6 | RMG Mortgage Group LLC2085 A1A S #204, St. Augustine, FL 32080, USA | 4.9★ | 62 |
| #7 | St. Augustine Mortgage | Fidelity Home Group100 Island Cottage Way, St. Augustine, FL 32080, USA | 5.0★ | 8 |
| #8 | First Home Equity Loans88 Riberia St #150, St. Augustine, FL 32084, USA | 5.0★ | 5 |
| #9 | Antionette Jarrett - Certified Veteran Mortgage Advisor - Coast2Coast Mortgage Lending93 1/2 King St, St. Augustine, FL 32084, USA | 5.0★ | 39 |
| #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 June 2026
All Mortgage Brokers in St. Augustine
Rated 5.0 stars from 28 Google reviews, this St. Augustine mortgage broker is highly trusted.
125 B King St, St. Augustine, FL 32084, USA
Rated 4.8 stars from 38 reviews, this St. Augustine mortgage broker is highly trusted.
405 Lake Monroe Pl, St. Augustine, FL 32092, USA
Rated 4.9 stars from 62 Google reviews, this St. Augustine mortgage broker is highly trusted.
2085 A1A S #204, St. Augustine, FL 32080, USA
Exceptional 5.0-star rating from 8 Google reviews for St. Augustine mortgage services.
100 Island Cottage Way, St. Augustine, FL 32080, USA
5.0-star rating from 5 Google reviews for a St. Augustine mortgage broker.
88 Riberia St #150, St. Augustine, FL 32084, USA
Rated 5.0 stars from 39 Google reviews, this St. Augustine broker is highly trusted.
93 1/2 King St, St. Augustine, FL 32084, USA
Top-rated St. Augustine mortgage broker with a perfect 5.0-star score from 36 Google reviews.
9 Ct Theophelia, St. Augustine, FL 32084, USA
Rated 5.0 stars from 18 reviews, this St. Augustine mortgage broker is highly trusted.
975 S Ponce De Leon Blvd Suite E, St. Augustine, FL 32084, USA
Top-rated St. Augustine mortgage broker with a perfect 5.0-star rating from 16 reviews.
93 1/2 King St, St. Augustine, FL 32084, USA
Trusted St. Augustine mortgage broker with a perfect 5.0-star rating from 8 reviews.
93 1/2 King St, St. Augustine, FL 32084, USA
A St. Augustine mortgage broker with a perfect 5.0-star rating from four Google reviews.
108 Sea Grove Main St suite c, St. Augustine, FL 32080, USA
5.0 stars from 2 Google reviews for a St. Augustine mortgage broker.
3770 US-1, St. Augustine, FL 32086, USA
Earns a perfect 5.0-star rating from 8 local Google reviews.
125 B King St, St. Augustine, FL 32084, USA
Trusted by locals with a flawless 5.0★ rating from 26 reviews.
108 Sea Grove Main St suite c, St. Augustine, FL 32080, USA
St. Augustine mortgage broker with a perfect 5.0 rating from 23 client reviews.
93 King St, St. Augustine, FL 32084, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in St. Augustine, FL.
Mortgage Brokers in St. Augustine, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Coast2Coast Mortgage Lending | 87/100 | 4.9 ★ | 404 |
| 2 | Packo Financial Group | 83/100 | 5.0 ★ | 98 |
| 3 | HMA Mortgage | 79/100 | 4.9 ★ | 63 |
| 4 | Bethany Butler NMLS 67095 Coast2Coast Mortgage Lending | 77/100 | 5.0 ★ | 28 |
| 5 | CBGC Mortgage | 75/100 | 4.8 ★ | 38 |
| 6 | RMG Mortgage Group LLC | 79/100 | 4.9 ★ | 62 |
| 7 | St. Augustine Mortgage | Fidelity Home Group | 70/100 | 5.0 ★ | 8 |
| 8 | First Home Equity Loans | 68/100 | 5.0 ★ | 5 |
| 9 | Antionette Jarrett - Certified Veteran Mortgage Advisor - Coast2Coast Mortgage Lending | 78/100 | 5.0 ★ | 39 |
| 10 | Jaren Woeppel Motto Mortgage Invictus | 78/100 | 5.0 ★ | 36 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
Get your business on AI — ChatGPT, Perplexity & Google AI
AI assistants increasingly recommend local mortgage brokers straight from RatingsNearMe. Claim your spot in St. Augustine to get featured in AI answers, comparison tables, and “best near me” results — where customers are actually searching now.
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: June 13, 2026.
More Home Services in St. Augustine
Related Searches
More ways to find mortgage brokers in St. Augustine
Mortgage Brokers in nearby cities