Top Picks · Lake Mary
Best Mortgage Brokers in Lake Mary, 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 8 mortgage brokers in Lake Mary, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is RP Funding with a 4.2-star rating from 1,109 Google reviews and an RNM Score of 75/100. Also in the top tier: The Joe Onofre Mortgage Team and Acceptance Mortgage Solutions Inc.. The average rating across all listed mortgage brokers in Lake Mary is 4.9 stars from 176 reviews per business on average.
Mortgage brokers in Lake Mary: 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.
Local Market Snapshot
8
Businesses listed
4.9★
Avg rating
176
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
4.2 stars from over 1,100 Google reviews reflect strong local reputation.
1400 S International Pkwy #1000, Lake Mary, FL 32746, USA91 reviews with a perfect 5.0-star rating from clients in Lake Mary.
2601 W Lake Mary Blvd Suite 129, Lake Mary, FL 32746, USALake Mary mortgage broker with a perfect 5.0-star rating from 28 client reviews.
417 Country Wood Cir, Lake Mary, FL 32746, USAMortgage Brokers Rankings in Lake Mary, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | RP Funding1400 S International Pkwy #1000, Lake Mary, FL 32746, USA | 4.2★ | 1,109 |
| #2 | The Joe Onofre Mortgage Team2601 W Lake Mary Blvd Suite 129, Lake Mary, FL 32746, USA | 5.0★ | 91 |
| #3 | Acceptance Mortgage Solutions Inc.417 Country Wood Cir, Lake Mary, FL 32746, USA | 5.0★ | 28 |
| #4 | Greg Matthews - Mortgage Broker615 Crescent Executive Ct #224, Lake Mary, FL 32746, USA | 5.0★ | 48 |
| #5 | Richard Williams at CrossCountry Mortgage600 Rinehart Rd #3050, Lake Mary, FL 32746, USA | 5.0★ | 48 |
| #6 | Oceans Lending3098 W Lake Mary Blvd 2nd Floor, Lake Mary, FL 32746, USA | 4.7★ | 14 |
| #7 | Andrew Webb at CrossCountry Mortgage, LLC600 Rinehart Rd #3050, Lake Mary, FL 32746, USA | 5.0★ | 46 |
| #8 | Dennis Ross, Dr.MortgageUSA1130 Business Center Dr Ste 1000, Lake Mary, FL 32746, USA | 5.0★ | 25 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Lake Mary
5.0 stars from 48 Google reviews, reflecting exceptional client satisfaction.
615 Crescent Executive Ct #224, Lake Mary, FL 32746, USA
Lake Mary mortgage broker with a flawless 5.0-star rating from 48 reviews.
600 Rinehart Rd #3050, Lake Mary, FL 32746, USA
4.7 stars from 14 Google reviews, reflecting strong local client satisfaction.
3098 W Lake Mary Blvd 2nd Floor, Lake Mary, FL 32746, USA
Consistently rated 5.0 stars from 46 Google reviews for mortgage services.
600 Rinehart Rd #3050, Lake Mary, FL 32746, USA
5.0 stars from 25 Google reviews, reflecting exceptional client satisfaction.
1130 Business Center Dr Ste 1000, Lake Mary, FL 32746, USA
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Mortgage Brokers in Lake Mary, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | RP Funding | 75/100 | 4.2 ★ | 1,109 |
| 2 | The Joe Onofre Mortgage Team | 83/100 | 5.0 ★ | 91 |
| 3 | Acceptance Mortgage Solutions Inc. | 88/100 | 5.0 ★ | 28 |
| 4 | Greg Matthews - Mortgage Broker | 79/100 | 5.0 ★ | 48 |
| 5 | Richard Williams at CrossCountry Mortgage | 79/100 | 5.0 ★ | 48 |
| 6 | Oceans Lending | 68/100 | 4.7 ★ | 14 |
| 7 | Andrew Webb at CrossCountry Mortgage, LLC | 79/100 | 5.0 ★ | 46 |
| 8 | Dennis Ross, Dr.MortgageUSA | 76/100 | 5.0 ★ | 25 |
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 Lake Mary
What does a mortgage broker do differently than going directly to a bank in Lake Mary?
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 Lake Mary?
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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