Highest Rated · Citrus Heights
Top-Rated Mortgage Brokers in Citrus Heights, CA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of May 2026, RatingsNearMe ranks 9 mortgage brokers in Citrus Heights, CA by verified customer ratings and review volume. The highest-rated is Citrus Mortgage Associates, LLC with a 5.0-star rating from 109 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
9
Businesses listed
5★
Avg rating
44
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Citrus Mortgage Associates, LLC
1300 US-41 Ste. H, Inverness, FL 34450, USA
The Loan Lady Club
6939 Sunrise Blvd STE 225, Citrus Heights, CA 95610, USA
Coastal Pacific Mortgage
5530 Birdcage St #110, Citrus Heights, CA 95610, USA
Mortgage 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 | Veronica DeWitt | Home Loan Specialist at Barrett Financial Group5750 Sunrise Blvd Ste 130 #E, Citrus Heights, CA 95610, USA | 5.0★ | 32 |
| #5 | Tri Valley Home Loans LLC7844 Madison Ave #111, Fair Oaks, CA 95628, USA | 5.0★ | 46 |
| #6 | Erica Leonard - Mortgage Broker2281 Lava Ridge Ct #220, Roseville, CA 95661, USA | 5.0★ | 12 |
| #7 | Financial solutions management408 Sunrise Ave #7, Roseville, CA 95661, USA | 5.0★ | 30 |
| #8 | Mr. Rogers Mortgage Team - Mortgage Broker4401 Hazel Ave Suite 135, Fair Oaks, CA 95628, USA | 5.0★ | 18 |
| #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 May 2026
All Mortgage Brokers in Citrus Heights
Veronica DeWitt | Home Loan Specialist at Barrett Financial Group
5750 Sunrise Blvd Ste 130 #E, Citrus Heights, CA 95610, USA
Tri Valley Home Loans LLC
7844 Madison Ave #111, Fair Oaks, CA 95628, USA
Erica Leonard - Mortgage Broker
2281 Lava Ridge Ct #220, Roseville, CA 95661, USA
Mr. Rogers Mortgage Team - Mortgage Broker
4401 Hazel Ave Suite 135, Fair Oaks, CA 95628, USA
Roman Mitros. Prime Time Mortgage Corp.
6300 Garfield Ave Suite 100, Sacramento, CA 95841, USA
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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: May 17, 2026.
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