Top Picks · Citrus Heights
Best Mortgage Brokers in Citrus Heights, CA
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 9 mortgage brokers in Citrus Heights, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Citrus Mortgage Associates, LLC with a 5.0-star rating from 109 Google reviews and an RNM Score of 96/100. Also in the top tier: The Loan Lady Club and Coastal Pacific Mortgage. The average rating across all listed mortgage brokers in Citrus Heights is 5 stars from 44 reviews per business on average.
Mortgage brokers in Citrus Heights: 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
Roman Mitros. Prime Time Mortgage Corp.
Roman Mitros is consistently top-ranked for his expertise, personalized service, and strong client satisfaction in the Citrus Heights area.
Most Reviewed
Mr. Rogers Mortgage Team - Mortgage Broker
A high number of reviews provides a broader base of client experiences, helping you gauge reliability and service consistency.
When choosing a mortgage broker, compare loan options, fees, and communication style. Local brokers like those listed often have better knowledge of Citrus Heights market conditions and can offer more personalized guidance.
Local Market Snapshot
9
Businesses listed
5★
Avg rating
44
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Top-rated Citrus Heights mortgage broker with a perfect 5.0★ score from over 100 reviews.
1300 US-41 Ste. H, Inverness, FL 34450, USA4.9-star rating from over 70 Google reviews in Citrus Heights.
6939 Sunrise Blvd STE 225, Citrus Heights, CA 95610, USAProudly rated 5.0 stars from 47 Google reviews in Citrus Heights.
5530 Birdcage St #110, Citrus Heights, CA 95610, USAMortgage Brokers Rankings in Citrus Heights, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Citrus Mortgage Associates, LLC1300 US-41 Ste. H, Inverness, FL 34450, USA | 5.0★ | 109 |
| #2 | The Loan Lady Club6939 Sunrise Blvd STE 225, Citrus Heights, CA 95610, USA | 4.9★ | 70 |
| #3 | Coastal Pacific Mortgage5530 Birdcage St #110, Citrus Heights, CA 95610, USA | 5.0★ | 47 |
| #4 | Tri Valley Home Loans LLC7844 Madison Ave #111, Fair Oaks, CA 95628, USA | 5.0★ | 46 |
| #5 | Veronica DeWitt | Home Loan Specialist at Barrett Financial Group5750 Sunrise Blvd Ste 130 #E, Citrus Heights, CA 95610, USA | 5.0★ | 32 |
| #6 | Financial solutions management408 Sunrise Ave #7, Roseville, CA 95661, USA | 5.0★ | 30 |
| #7 | Mr. Rogers Mortgage Team - Mortgage Broker4401 Hazel Ave Suite 135, Fair Oaks, CA 95628, USA | 5.0★ | 18 |
| #8 | Erica Leonard - Mortgage Broker2281 Lava Ridge Ct #220, Roseville, CA 95661, USA | 5.0★ | 12 |
| #9 | Roman Mitros. Prime Time Mortgage Corp.6300 Garfield Ave Suite 100, Sacramento, CA 95841, USA | 4.9★ | 28 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Citrus Heights
Rated 5.0 stars from 46 reviews, this Citrus Heights broker is highly trusted.
7844 Madison Ave #111, Fair Oaks, CA 95628, USA
Rated 5.0 stars from 32 Google reviews, this Citrus Heights broker is highly trusted.
5750 Sunrise Blvd Ste 130 #E, Citrus Heights, CA 95610, USA
5.0-star rating from 30 reviews highlights trusted local mortgage service.
408 Sunrise Ave #7, Roseville, CA 95661, USA
Exceptional 5.0-star rating based on 18 Google reviews from local clients.
4401 Hazel Ave Suite 135, Fair Oaks, CA 95628, USA
Rated 5.0 stars from 12 Google reviews, this Citrus Heights broker is highly recommended.
2281 Lava Ridge Ct #220, Roseville, CA 95661, USA
4.9-star rating from 28 Google reviews, reflecting exceptional client satisfaction.
6300 Garfield Ave Suite 100, Sacramento, CA 95841, USA
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Mortgage Brokers in Citrus Heights, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Citrus Mortgage Associates, LLC | 96/100 | 5.0 ★ | 109 |
| 2 | The Loan Lady Club | 91/100 | 4.9 ★ | 70 |
| 3 | Coastal Pacific Mortgage | 91/100 | 5.0 ★ | 47 |
| 4 | Tri Valley Home Loans LLC | 91/100 | 5.0 ★ | 46 |
| 5 | Veronica DeWitt | Home Loan Specialist at Barrett Financial Group | 89/100 | 5.0 ★ | 32 |
| 6 | Financial solutions management | 80/100 | 5.0 ★ | 30 |
| 7 | Mr. Rogers Mortgage Team - Mortgage Broker | 78/100 | 5.0 ★ | 18 |
| 8 | Erica Leonard - Mortgage Broker | 76/100 | 5.0 ★ | 12 |
| 9 | Roman Mitros. Prime Time Mortgage Corp. | 87/100 | 4.9 ★ | 28 |
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 Citrus Heights
What does a mortgage broker do differently than going directly to a bank in Citrus Heights?
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 Citrus Heights?
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 CA?
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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