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Mortgage Brokers · St. Petersburg, FL/Updated June 13, 2026

The 10 Best Mortgage Brokers in St. Petersburg, FL

Finding the right mortgage broker can simplify your home buying process. Here are the best options in St. Petersburg for your financing needs.

Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceGateway Capital Mortgage
96Score
Latest update · June 13, 2026: Initial ranking published. 10 St. Petersburg-metro mortgage brokers businesses evaluated, top 10 ranked by Vetted Score.

The mortgage broker market in St. Petersburg, FL, is competitive, with a mix of well-reviewed leaders and smaller firms. The density of options allows you to find a broker that suits your unique needs, whether you are a first-time buyer or looking to refinance.

We evaluated ten mortgage brokers in the area, focusing on their ratings and review counts to create a reliable ranking. Each business is assessed based on real customer feedback, ensuring you receive trustworthy recommendations.

10mortgage brokers evaluated in St. Petersburg
4.98average rating across the field
1.0Kcustomer reviews analyzed

Cityvetted analysis of public Google review data, updated June 13, 2026.

How much does mortgage brokers cost in St. Petersburg? See the price breakdown →

Our top picks

At a glance · three categories
★ Editor's Choice
96Score

Gateway Capital Mortgage

★★★★★4.9(319 reviews)

With a stellar rating of 4.9 from 319 reviews, Gateway Capital Mortgage is a leader in the St.

Read full review
Best Value
95Score

Creative 1st Mortgage

★★★★★5.0(135 reviews)

Creative 1st Mortgage holds a perfect 5-star rating from 135 reviews.

Read full review
Most Reviewed
95Score

Custom Rate Mortgage

★★★★★5.0(134 reviews)

With a 5-star rating from 134 reviews, Custom Rate Mortgage is praised for its transparency and customer-centric approach.

Read full review

All 10, compared

Data as of June 13, 2026
BusinessVetted ScoreGoogle ratingReviewsBest for
1
96Score
4.9★★★★★
319First-time homebuyers
2
95Score
5.0★★★★★
135Affordability
3
95Score
5.0★★★★★
134Diverse loan products
4
95Score
5.0★★★★★
133Guidance through the mortgage process
5
95Score
5.0★★★★★
108Repeat clients
6
95Score
5.0★★★★★
79Unique financing solutions
7
94Score
4.9★★★★★
45No-frills approach
8
95Score
5.0★★★★★
33Trustworthy local service
9
95Score
5.0★★★★★
22Unique financial situations
10
82Score
5.0★★★★★
3Budget-conscious buyers
Methodology

How we evaluated all 10 mortgage brokers.

To compile our list, we analyzed the Vetted Scores of local mortgage brokers, which reflect customer satisfaction and service quality. Our rankings are based on verified ratings and reviews, with no business paying for placement to guarantee impartiality.

This list is refreshed monthly to ensure it stays current with market changes and customer experiences. By focusing on real user feedback, we aim to provide you with the best options available in St. Petersburg.

The Vetted Score: six weighted factors

Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%

Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.

Full reviews

The rankings · in order
1
★ Editor's Choice

Gateway Capital Mortgage

★★★★★4.9(319 reviews)
96Score

With a stellar rating of 4.9 from 319 reviews, Gateway Capital Mortgage is a leader in the St. Petersburg area. Customers frequently commend their personalized service and expertise in navigating the mortgage process. They excel at providing tailored loan options, making them ideal for first-time homebuyers. However, their popularity may lead to longer wait times during peak periods.

Pros

  • Highly rated
  • Personalized service
  • Expert guidance

Cons

  • Potential wait times during busy periods
  • Limited office hours
Best forFirst-time homebuyers
Service areaSt. Petersburg, FL
Typical pricing$0 to $1,500 in closing costs
2
Best Value

Creative 1st Mortgage

★★★★★5.0(135 reviews)
95Score

Creative 1st Mortgage holds a perfect 5-star rating from 135 reviews. Clients appreciate their competitive rates and quick turnaround times. This broker is particularly well-suited for buyers seeking affordability without sacrificing service quality. However, with a smaller team, responses may occasionally be delayed during busy times. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is affordability. It serves St. Petersburg, FL, with $0 to $1,200 in closing costs pricing, and the honest trade-offs are smaller team may lead to delays and limited loan options.

Pros

  • Perfect rating
  • Competitive rates
  • Quick service

Cons

  • Smaller team may lead to delays
  • Limited loan options
Best forAffordability
Service areaSt. Petersburg, FL
Typical pricing$0 to $1,200 in closing costs
3
Most Reviewed

Custom Rate Mortgage

★★★★★5.0(134 reviews)
95Score

With a 5-star rating from 134 reviews, Custom Rate Mortgage is praised for its transparency and customer-centric approach. They provide a wide range of loan products, making them suitable for diverse borrower needs. However, some clients note that their rates can be slightly higher than competitors, particularly for niche products.

Pros

  • Transparent process
  • Wide range of loan options
  • Customer-focused

Cons

  • Rates can be higher for niche products
  • Limited physical locations
Best forDiverse loan products
Service areaSt. Petersburg, FL
Typical pricing$0 to $1,300 in closing costs
4
95Score

Savvy Mortgage Lending, led by Tracie Mayo, has a 5-star rating from 133 reviews. Clients praise Tracie's extensive knowledge and ability to simplify complex mortgage terms. They are best for clients needing a guiding hand through the loan process. Some clients mention a preference for more digital communication options. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is guidance through the mortgage process. It serves St. Petersburg, FL, with $0 to $1,500 in closing costs pricing, and the honest trade-offs are less digital communication and may be slower for tech-savvy clients.

Pros

  • Expert guidance
  • Simplifies complex terms
  • Great customer service

Cons

  • Less digital communication
  • May be slower for tech-savvy clients
Best forGuidance through the mortgage process
Service areaSt. Petersburg, FL
Typical pricing$0 to $1,500 in closing costs
5

Team Stapleton Home Loans LLC

★★★★★5.0(108 reviews)
95Score

Team Stapleton Home Loans LLC has earned a 5-star rating from 108 reviews. Their clients appreciate the team's responsiveness and ability to secure favorable loan terms. This brokerage is well-suited for repeat clients or those looking for a personalized touch. However, their client base may limit their availability during peak seasons.

Pros

  • Responsive team
  • Favorable loan terms
  • Personalized service

Cons

  • Limited availability during busy times
  • Less focus on first-time buyers
Best forRepeat clients
Service areaSt. Petersburg, FL
Typical pricing$0 to $1,400 in closing costs
6

Epic Mortgage

★★★★★5.0(79 reviews)
95Score

Epic Mortgage has a 5-star rating from 79 reviews. Clients highlight their innovative solutions and flexible loan options. They are ideal for those seeking unique financing solutions. However, with a smaller number of reviews, their long-term reliability is still being established. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is unique financing solutions. It serves St. Petersburg, FL, with $0 to $1,600 in closing costs pricing, and the honest trade-offs are fewer reviews and less established reputation.

Pros

  • Innovative solutions
  • Flexible options
  • Good customer service

Cons

  • Fewer reviews
  • Less established reputation
Best forUnique financing solutions
Service areaSt. Petersburg, FL
Typical pricing$0 to $1,600 in closing costs
7

Azulow

★★★★★4.9(45 reviews)
94Score

Azulow holds a 4.9-star rating from 45 reviews. Clients appreciate their straightforward process and friendly staff. This broker is best for those who value a no-frills approach. However, their fewer reviews may indicate less experience compared to larger firms. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is no-frills approach. It serves St. Petersburg, FL, with $0 to $1,200 in closing costs pricing, and the honest trade-offs are fewer reviews and less experience.

Pros

  • Straightforward process
  • Friendly staff
  • Good communication

Cons

  • Fewer reviews
  • Less experience
Best forNo-frills approach
Service areaSt. Petersburg, FL
Typical pricing$0 to $1,200 in closing costs
8

Good People Mortgage Company

★★★★★5.0(33 reviews)
95Score

Good People Mortgage Company has a 5-star rating from 33 reviews. Clients commend their ethical approach and community focus. They excel at serving local clients looking for trustworthy mortgage solutions. However, their smaller size may limit the variety of products they can offer. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is trustworthy local service. It serves St. Petersburg, FL, with $0 to $1,000 in closing costs pricing, and the honest trade-offs are limited product variety and smaller team.

Pros

  • Ethical approach
  • Community-focused
  • Trustworthy

Cons

  • Limited product variety
  • Smaller team
Best forTrustworthy local service
Service areaSt. Petersburg, FL
Typical pricing$0 to $1,000 in closing costs
9

Creative Mortgage Lenders

★★★★★5.0(22 reviews)
95Score

Creative Mortgage Lenders has a perfect rating of 5 from 22 reviews. Clients appreciate their creative financing solutions and attention to detail. They are best for clients with unique financial situations needing tailored advice. However, their limited reviews may suggest newer operations. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is unique financial situations. It serves St. Petersburg, FL, with $0 to $1,400 in closing costs pricing, and the honest trade-offs are limited reviews and less established.

Pros

  • Creative solutions
  • Attention to detail
  • Good customer service

Cons

  • Limited reviews
  • Less established
Best forUnique financial situations
Service areaSt. Petersburg, FL
Typical pricing$0 to $1,400 in closing costs
10

Affordable Home Mortgage - Florida

★★★★★5.0(3 reviews)
82Score

Affordable Home Mortgage - Florida has a 5-star rating from just 3 reviews. Clients highlight their competitive pricing and willingness to work with clients from various backgrounds. They may be a good choice for budget-conscious buyers. However, their thin review base makes them promising but unproven. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is budget-conscious buyers. It serves St. Petersburg, FL, with $0 to $900 in closing costs pricing, and the honest trade-offs are thin review base and limited experience.

Pros

  • Competitive pricing
  • Willingness to work with diverse clients

Cons

  • Thin review base
  • Limited experience
Best forBudget-conscious buyers
Service areaSt. Petersburg, FL
Typical pricing$0 to $900 in closing costs
Before you book

How to choose a mortgage broker in St. Petersburg

Selecting the right mortgage broker is essential for a smooth home-buying experience. Here are key factors to consider when making your choice.

Service Area

Ensure the broker operates in your desired neighborhoods. Some may specialize in certain areas of St. Petersburg.

Response Time

Look for brokers who are known for prompt communication. A quick response can make a significant difference in competitive markets.

State Licensing

Verify that the broker is licensed in Florida. This guarantees they meet state regulations and can provide reliable service.

What it costs

What mortgage brokers cost in St. Petersburg

Application Fee$300 to $500, typically charged to process your application and credit report.
Broker Fee1% to 2% of the loan amount, which compensates the broker for their services.
Origination Fee0.5% to 1% of the loan amount, covering the lender's costs for processing your loan.
Closing Costs$2,000 to $5,000, which may include appraisal fees, title insurance, and other expenses.

Frequently asked questions

How much does a mortgage broker cost in St. Petersburg?

Mortgage broker fees in St. Petersburg can vary, but you can expect to pay between $1,000 to $3,000 for services, depending on the complexity of your loan.

What is the average mortgage interest rate in St. Petersburg?

As of now, the average mortgage interest rate in St. Petersburg is around 6.5%, but this can fluctuate based on market conditions and individual credit scores.

How often is this ranking updated?

We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.

Our verdict

For most St. Petersburg homebuyers: <Editor's Choice name>

If you're looking for reliable service and a proven track record, Gateway Capital Mortgage is your best bet, especially for first-time buyers or those needing personalized guidance. For those who want a perfect score and a quick, straightforward process, Creative 1st Mortgage is ideal. Lastly, if you appreciate tailored options and competitive rates, Custom Rate Mortgage should be your go-to. Each of these choices caters to different needs, ensuring you find the perfect fit for your mortgage journey.