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Pricing Guide · Lakeland
Mortgage Brokers Cost in Lakeland, FL — 2026 Price Guide
What should you pay for mortgage brokers in Lakeland? See real 2026 price ranges from local pros and get free quotes to compare.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Lakeland, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Compass Mortgage LLC with a 5.0-star rating from 849 Google reviews and an RNM Score of 88/100. Also in the top tier: Neighborhood Loans – Lakeland and Equity Resources, Inc.. The average rating across all listed mortgage brokers in Lakeland is 4.9 stars from 167 reviews per business on average.
Mortgage brokers in Lakeland: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 6, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.9★
Avg rating
167
Avg reviews
Jul 6, 2026
Last updated
Top Rated Mortgage Brokers
Brandon's top-rated mortgage broker with a flawless 5.0★ from 849 reviews.
705 E Orange St, Lakeland, FL 33801, USATrusted by hundreds of local clients with a stellar 4.9-star rating.
2020 Edgewood Dr S, Lakeland, FL 33803, USA4.0 stars from 4 Google reviews, reflecting solid local service.
110 W Reynolds St #106, Plant City, FL 33563, USAMortgage Brokers Rankings in Lakeland, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Compass Mortgage LLC705 E Orange St, Lakeland, FL 33801, USA | 5.0★ | 849 |
| #2 | Neighborhood Loans – Lakeland2020 Edgewood Dr S, Lakeland, FL 33803, USA | 4.9★ | 664 |
| #3 | Equity Resources, Inc.110 W Reynolds St #106, Plant City, FL 33563, USA | 4.0★ | 4 |
| #4 | Plant City Mortgage1507 S Alexander St STE 101, Plant City, FL 33563, USA | — | — |
| #5 | Florida Mortgage Firm2216 S Alexander St, Plant City, FL 33563, USA | 5.0★ | 852 |
| #6 | Stone Mortgage Group3300 Joe Sanchez Rd, Plant City, FL 33565, USA | 5.0★ | 57 |
| #7 | Mortgages & More, LLC810 1st St S, Winter Haven, FL 33880, USA | 5.0★ | 11 |
| #8 | Jim Gaffney - Union Home Mortgage - NMLS 38440 Valrico, FL2350 East 60 Hwy., Office 41, 42, &, 57, Valrico, FL 33594, USA | 5.0★ | 74 |
| #9 | Swift Home Mortgage1093 E Brandon Blvd, Brandon, FL 33511, USA | 4.9★ | 62 |
| #10 | Nationwide Residential Capital, Inc. ~ NMLS# 2617281079 E Brandon Blvd, Brandon, FL 33511, USA | 5.0★ | 166 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Lakeland
Plant City mortgage broker with no customer reviews yet to reference.
1507 S Alexander St STE 101, Plant City, FL 33563, USA
Brandon's top-rated mortgage broker, with 5.0 stars from over 850 Google reviews.
2216 S Alexander St, Plant City, FL 33563, USA
Rated 5.0 stars from 57 reviews, this Plant City mortgage broker is highly trusted.
3300 Joe Sanchez Rd, Plant City, FL 33565, USA
5.0 stars from 11 Google reviews, reflecting exceptional client satisfaction.
810 1st St S, Winter Haven, FL 33880, USA
Boasts a perfect 5.0-star rating from 74 Google reviews in Brandon, FL.
2350 East 60 Hwy., Office 41, 42, &, 57, Valrico, FL 33594, USA
Rated 4.9 stars from 62 Google reviews by local clients.
1093 E Brandon Blvd, Brandon, FL 33511, USA
Brandon's top-rated mortgage broker with a perfect 5.0★ score from 166 reviews.
1079 E Brandon Blvd, Brandon, FL 33511, USA
Brandon, FL mortgage broker with 5.0 stars from 180 Google reviews.
1208 Bell Shoals Rd, Brandon, FL 33511, USA
Rated 5.0 stars from 18 Google reviews, this Brandon mortgage broker is highly trusted.
1208 Bell Shoals Rd, Brandon, FL 33511, USA
Brandon mortgage broker with a perfect 5.0-star rating from 40 Google reviews.
302 Lithia Pinecrest Rd, Brandon, FL 33511, USA
Rated 4.9 stars from 54 Google reviews for trusted mortgage guidance in Brandon.
205 E Brandon Blvd Suite A, Brandon, FL 33511, USA
Trusted Brandon mortgage broker with a stellar 4.9-star rating from 20 glowing reviews.
138 W Robertson St #1, Brandon, FL 33511, USA
A trusted local option with a perfect 5.0-star rating from a small number of reviews.
140 W Robertson St, Brandon, FL 33511, USA
Brandon FL mortgage broker with a perfect 5.0★ rating from 27 Google reviews.
522 Oakfield Dr, Brandon, FL 33511, USA
Rated 4.6 stars from 44 Google reviews, this Brandon mortgage broker is highly trusted.
659 W Lumsden Rd, Brandon, FL 33511, USA
Top-rated Oldsmar mortgage broker with a perfect 5.0★ score from 29 reviews.
1211 Tech Blvd Suite 110-35, Tampa, FL 33619, USA
Rated 5.0 stars from 19 Google reviews, this Riverview mortgage broker is highly trusted.
11256 Winthrop Main St, Riverview, FL 33578, USA
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Mortgage Brokers in Lakeland, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Compass Mortgage LLC | 88/100 | 5.0 ★ | 849 |
| 2 | Neighborhood Loans – Lakeland | 87/100 | 4.9 ★ | 664 |
| 3 | Equity Resources, Inc. | 50/100 | 4.0 ★ | 4 |
| 4 | Plant City Mortgage | 3/100 | — | 0 |
| 5 | Florida Mortgage Firm | 88/100 | 5.0 ★ | 852 |
| 6 | Stone Mortgage Group | 80/100 | 5.0 ★ | 57 |
| 7 | Mortgages & More, LLC | 72/100 | 5.0 ★ | 11 |
| 8 | Jim Gaffney - Union Home Mortgage - NMLS 38440 Valrico, FL | 82/100 | 5.0 ★ | 74 |
| 9 | Swift Home Mortgage | 91/100 | 4.9 ★ | 62 |
| 10 | Nationwide Residential Capital, Inc. ~ NMLS# 261728 | 98/100 | 5.0 ★ | 166 |
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 Lakeland
What does a mortgage broker do differently than going directly to a bank in Lakeland?
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 Lakeland?
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 6, 2026.
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