Near You · St. Petersburg
Mortgage Brokers Near You in St. Petersburg, FL
Find mortgage brokers close to you in St. Petersburg. All results are sorted by proximity and rated by real local customers.
As of July 2026, RatingsNearMe ranks 19 mortgage brokers in St. Petersburg, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Gateway Capital Mortgage with a 4.9-star rating from 293 Google reviews and an RNM Score of 98/100. Also in the top tier: DDA Mortgage and Homeowners Financial Group. The average rating across all listed mortgage brokers in St. Petersburg is 5 stars from 112 reviews per business on average.
Mortgage brokers in St. Petersburg: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Golden Mortgage LLC
Golden Mortgage LLC stands out as top-ranked due to its consistent high ratings and reputation for exceptional customer service.
Most Reviewed
The Mortgage Firm
A high review count indicates broad client experience and proven reliability over many transactions.
When choosing a mortgage broker in St. Petersburg, compare each lender's specialties and local market knowledge, and always check recent reviews to ensure responsive service.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
112
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of clients, this St. Petersburg mortgage broker holds a 4.9★ rating.
11 Beach Dr SE, St. Petersburg, FL 33701, USATrusted by hundreds of local clients, this St. Petersburg broker holds a perfect 5.0-star rating.
1600 W Bay Dr Suite B, Largo, FL 33770, USATop-rated St. Petersburg mortgage broker with a perfect 5.0★ score from 157 reviews.
150 2nd Ave N #730, St. Petersburg, FL 33701, USAMortgage Brokers Rankings in St. Petersburg, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Gateway Capital Mortgage11 Beach Dr SE, St. Petersburg, FL 33701, USA | 4.9★ | 293 |
| #2 | DDA Mortgage1600 W Bay Dr Suite B, Largo, FL 33770, USA | 5.0★ | 473 |
| #3 | Homeowners Financial Group150 2nd Ave N #730, St. Petersburg, FL 33701, USA | 5.0★ | 157 |
| #4 | Help Me BA740 4th St N #102, St. Petersburg, FL 33701, USA | 5.0★ | 25 |
| #5 | Creative Mortgage Lenders2411 4th St N, St. Petersburg, FL 33704, USA | 5.0★ | 21 |
| #6 | Savvy Mortgage Lending: Tracie Mayo, Mortgage Broker3833 Central Ave, St. Petersburg, FL 33713, USA | 5.0★ | 134 |
| #7 | Golden Mortgage LLC1201 6th Ave W Ste 408, Bradenton, FL 34205, USA | 5.0★ | 132 |
| #8 | Waterstone Mortgage Corporation6798 Crosswinds Dr N Suite C-104, St. Petersburg, FL 33710, USA | 4.9★ | 125 |
| #9 | Creative 1st Mortgage447 3rd Ave N Suite 210, St. Petersburg, FL 33701, USA | 5.0★ | 126 |
| #10 | Custom Rate Mortgage360 Central Ave Suite 470, St. Petersburg, FL 33701, USA | 5.0★ | 117 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in St. Petersburg
St. Petersburg mortgage broker with a perfect 5.0-star rating from 25 reviews.
740 4th St N #102, St. Petersburg, FL 33701, USA
5.0-star mortgage broker in St. Petersburg with dozens of glowing reviews.
2411 4th St N, St. Petersburg, FL 33704, USA
Rated 5.0 stars from over 130 reviews, this St. Petersburg mortgage broker is highly trusted.
3833 Central Ave, St. Petersburg, FL 33713, USA
Top-rated St. Petersburg mortgage broker with a perfect 5.0-star rating from over 130 reviews.
1201 6th Ave W Ste 408, Bradenton, FL 34205, USA
Rated 4.9 stars from over 125 Google reviews, this local broker is highly trusted.
6798 Crosswinds Dr N Suite C-104, St. Petersburg, FL 33710, USA
Trusted St. Petersburg mortgage broker with a perfect 5.0★ rating from over 120 reviews.
447 3rd Ave N Suite 210, St. Petersburg, FL 33701, USA
5.0-star mortgage broker in St. Petersburg with hundreds of glowing client reviews.
360 Central Ave Suite 470, St. Petersburg, FL 33701, USA
Trusted by 99 local clients, this St. Pete broker holds a flawless 5.0-star rating.
3035 5th Ave N, St. Petersburg, FL 33713, USA
Trusted by 86 clients with a stellar 4.9-star rating in St. Petersburg.
9800 4th St N #200, St. Petersburg, FL 33702, USA
Trusted by 78 clients, this St. Petersburg broker holds a flawless 5.0-star rating.
3843 Shore Acres Blvd NE, St. Petersburg, FL 33703, USA
Rated 4.8 stars from 73 reviews, a top choice for local mortgage help.
646 2nd Ave S, St. Petersburg, FL 33701, USA
5.0 stars from 18 reviews, reflecting exceptional client satisfaction in St. Petersburg.
4180 Central Ave Suite #1, St. Petersburg, FL 33711, USA
Exceptional 5.0-star rating from three satisfied Google reviews in St. Petersburg.
5901 Sun Blvd, St. Petersburg, FL 33715, USA
5.0 stars from 12 reviews for a St. Petersburg mortgage broker.
136 4th St N, St. Petersburg, FL 33701, USA
St. Petersburg mortgage broker with a 4.9-star rating from 44 reviews.
150 2nd Ave N #730, St. Petersburg, FL 33701, USA
Trusted by hundreds of local clients, this St. Petersburg mortgage broker holds a perfect 5.0-star rating.
9600 Koger Blvd N #208, St. Petersburg, FL 33702, USA
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Mortgage Brokers in St. Petersburg, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Gateway Capital Mortgage | 98/100 | 4.9 ★ | 293 |
| 2 | DDA Mortgage | 88/100 | 5.0 ★ | 473 |
| 3 | Homeowners Financial Group | 86/100 | 5.0 ★ | 157 |
| 4 | Help Me BA | 76/100 | 5.0 ★ | 25 |
| 5 | Creative Mortgage Lenders | 75/100 | 5.0 ★ | 21 |
| 6 | Savvy Mortgage Lending: Tracie Mayo, Mortgage Broker | 85/100 | 5.0 ★ | 134 |
| 7 | Golden Mortgage LLC | 85/100 | 5.0 ★ | 132 |
| 8 | Waterstone Mortgage Corporation | 83/100 | 4.9 ★ | 125 |
| 9 | Creative 1st Mortgage | 85/100 | 5.0 ★ | 126 |
| 10 | Custom Rate Mortgage | 84/100 | 5.0 ★ | 117 |
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 St. Petersburg
What does a mortgage broker do differently than going directly to a bank in St. Petersburg?
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. Petersburg?
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 5, 2026.
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