Verified · Bloomington
Trusted Mortgage Brokers in Bloomington, IN
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Bloomington have earned it through hundreds of verified reviews.
As of July 2026, RatingsNearMe ranks 18 mortgage brokers in Bloomington, IN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Ruoff Mortgage - Bloomington with a 4.9-star rating from 157 Google reviews and an RNM Score of 84/100. Also in the top tier: John La Bella - Guild Mortgage and First State Mortgage - Bloomington. The average rating across all listed mortgage brokers in Bloomington is 5 stars from 48 reviews per business on average.
Mortgage brokers in Bloomington: 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
Heather Bozarth, Ruoff Mortgage
Heather Bozarth and Ruoff Mortgage are consistently top-ranked for their strong local reputation, customer service, and competitive mortgage options in Bloomington.
Most Reviewed
Ruoff Mortgage
A high review count indicates broad customer experience and reliability, helping you gauge consistent service quality.
When choosing a mortgage broker in Bloomington, compare rates and fees from multiple top-ranked brokers, and prioritize those with strong local reviews and clear communication throughout the process.
Local Market Snapshot
18
Businesses listed
5★
Avg rating
48
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Trusted Bloomington mortgage broker with a 4.9-star rating from over 150 reviews.
1551 S Piazza Dr, Bloomington, IN 47401, USATrusted by 122 clients with a perfect 5.0-star rating in Bloomington.
205 N College Ave #315, Bloomington, IN 47404, USA4.8 stars from 167 reviews, reflecting exceptional client satisfaction in Bloomington.
502 N Hershey Rd #1, Bloomington, IL 61704, USAMortgage Brokers Rankings in Bloomington, IN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Ruoff Mortgage - Bloomington1551 S Piazza Dr, Bloomington, IN 47401, USA | 4.9★ | 157 |
| #2 | John La Bella - Guild Mortgage205 N College Ave #315, Bloomington, IN 47404, USA | 5.0★ | 122 |
| #3 | First State Mortgage - Bloomington502 N Hershey Rd #1, Bloomington, IL 61704, USA | 4.8★ | 167 |
| #4 | Scott Kieffner, Ruoff Mortgage1551 S Piazza Dr, Bloomington, IN 47401, USA | 5.0★ | 32 |
| #5 | North Point Home Loans LLC6640 N Utt Dr, Bloomington, IN 47408, USA | 5.0★ | 51 |
| #6 | Jason Sumner3939 S Walnut St, Bloomington, IN 47401, USA | 5.0★ | 58 |
| #7 | Indiana Mortgage Company Inc.3900 S Walnut St Suite C, Bloomington, IN 47401, USA | 4.9★ | 34 |
| #8 | Mortgage Masters Bloomington3939 S Walnut St #3, Bloomington, IN 47401, USA | 5.0★ | 17 |
| #9 | Brittany Eckerle, Ruoff Mortgage1551 S Piazza Dr, Bloomington, IN 47401, USA | 5.0★ | 44 |
| #10 | Ryan Langley, Ruoff Mortgage1551 S Piazza Dr, Bloomington, IN 47401, USA | 5.0★ | 40 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Bloomington
Rated 5.0 stars from 32 reviews, this Bloomington mortgage broker is highly trusted.
1551 S Piazza Dr, Bloomington, IN 47401, USA
5.0 stars from 51 reviews, reflecting exceptional client satisfaction in Bloomington.
6640 N Utt Dr, Bloomington, IN 47408, USA
Praised by clients with a flawless 5.0-star rating across 58 reviews.
3939 S Walnut St, Bloomington, IN 47401, USA
Rated 4.9 stars from 34 reviews, this Bloomington mortgage broker is highly trusted.
3900 S Walnut St Suite C, Bloomington, IN 47401, USA
Rated 5.0 stars from 17 Google reviews, this Bloomington broker is consistently praised.
3939 S Walnut St #3, Bloomington, IN 47401, USA
5.0 stars from 44 Google reviews, reflecting exceptional local client satisfaction.
1551 S Piazza Dr, Bloomington, IN 47401, USA
Rated 5.0 stars from 40 Google reviews, this Bloomington broker is highly trusted.
1551 S Piazza Dr, Bloomington, IN 47401, USA
5.0 stars from 27 reviews, reflecting exceptional client satisfaction in Bloomington.
1551 S Piazza Dr, Bloomington, IN 47401, USA
Bloomington's top-rated mortgage broker with a flawless 5.0★ from 54 reviews.
1551 S Piazza Dr, Bloomington, IN 47401, USA
Highly trusted Bloomington mortgage broker with a perfect 5.0-star rating from 26 reviews.
1551 S Piazza Dr, Bloomington, IN 47401, USA
Rated 5.0 stars from 14 Google reviews, this Bloomington mortgage broker is highly trusted.
509 E Hillside Dr STE 103, Bloomington, IN 47401, USA
Exceptional 5.0-star rating from a small number of local Google reviews.
3939 S Walnut St, Bloomington, IN 47401, USA
5.0★ rating from recent Google reviews in Bloomington, IN.
3415 W 3rd St, Bloomington, IN 47404, USA
Exceptional 5.0-star rating from verified customer reviews in Bloomington, IN.
3939 S Walnut St #3, Bloomington, IN 47401, USA
Top-rated Bloomington mortgage broker with perfect 5.0 stars from ten reviews.
1551 S Piazza Dr, Bloomington, IN 47401, USA
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Mortgage Brokers in Bloomington, IN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Ruoff Mortgage - Bloomington | 84/100 | 4.9 ★ | 157 |
| 2 | John La Bella - Guild Mortgage | 84/100 | 5.0 ★ | 122 |
| 3 | First State Mortgage - Bloomington | 83/100 | 4.8 ★ | 167 |
| 4 | Scott Kieffner, Ruoff Mortgage | 77/100 | 5.0 ★ | 32 |
| 5 | North Point Home Loans LLC | 80/100 | 5.0 ★ | 51 |
| 6 | Jason Sumner | 80/100 | 5.0 ★ | 58 |
| 7 | Indiana Mortgage Company Inc. | 76/100 | 4.9 ★ | 34 |
| 8 | Mortgage Masters Bloomington | 74/100 | 5.0 ★ | 17 |
| 9 | Brittany Eckerle, Ruoff Mortgage | 79/100 | 5.0 ★ | 44 |
| 10 | Ryan Langley, Ruoff Mortgage | 78/100 | 5.0 ★ | 40 |
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 Bloomington
What does a mortgage broker do differently than going directly to a bank in Bloomington?
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 Bloomington?
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 IN?
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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