10+ Years · Daly City
Experienced Mortgage Brokers in Daly City, CA
Experience matters. These mortgage brokers in Daly City have years of proven work behind them — and the reviews to back it up.
As of June 2026, RatingsNearMe ranks 13 mortgage brokers in Daly City, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Ben Bhangu - The Home Loan Guru, NMLS 746773, Answer Home Lending, NMLS 2343805 with a 5.0-star rating from 148 Google reviews and an RNM Score of 86/100. Also in the top tier: Presto Home Loans, Inc. and Ridgley Group - Steve Rakita - Top 2% REALTOR - Mortgage Broker. The average rating across all listed mortgage brokers in Daly City is 4.4 stars from 24 reviews per business on average.
Mortgage brokers in Daly City: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Daly City, California is home to a variety of mortgage brokers who can assist consumers with obtaining home loans. These brokers can help navigate the mortgage process, compare rates and terms from multiple lenders, and guide homebuyers through the application and approval steps.
- ✓Mortgage brokers in Daly City can provide expertise on home loan options and the application process
- ✓Consumers can compare rates and terms from multiple lenders through a local mortgage broker
- ✓Mortgage brokers in Daly City can guide homebuyers through the home loan approval steps
Best Overall
Presto Home Loans, Inc.
Presto Home Loans, Inc. stands out as the top-ranked mortgage broker in Daly City due to its high customer satisfaction and comprehensive services.
Most Reviewed
Presto Home Loans, Inc.
A high number of reviews reflects a large client base and consistent service quality, helping consumers gauge reliability.
When choosing a mortgage broker in Daly City, compare loan options and fees, and read reviews to find a broker who communicates clearly and meets your specific needs.
How to Choose a Mortgage Broker in Daly City
What to look for
- • Mortgage brokers with experience in the Daly City, CA market
- • Brokers who are licensed and in good standing with the California Department of Real Estate
- • Brokers who can provide references from past clients in Daly City
- • Brokers who are transparent about their fees and commission structure
Questions to ask
- • How long have you been a mortgage broker in Daly City?
- • Can you provide references from past Daly City clients?
- • What is your typical turnaround time for processing mortgage applications?
Red flags
- ⚠ Brokers who are not licensed or have disciplinary actions against their license
- ⚠ Brokers who cannot provide a clear breakdown of their fees
- ⚠ Brokers who pressure you to use specific lenders or services
In California, mortgage brokers must be licensed by the Department of Real Estate. Consumers should verify a broker's license and check for any disciplinary actions before hiring.
Local Market Snapshot
13
Businesses listed
4.4★
Avg rating
24
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Daly City mortgage broker with a perfect 5.0-star rating from 148 reviews.
472 Century Park Dr Ste 200, Yuba City, CA 95991, USA4.8 stars from 44 reviews, reflecting exceptional client satisfaction in Daly City.
345 Gellert Blvd # C, Daly City, CA 94015, USA5.0 stars from 21 reviews, reflecting exceptional client satisfaction in Daly City.
1618 Sullivan Ave #458, Daly City, CA 94015, USAMortgage Brokers Rankings in Daly City, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Ben Bhangu - The Home Loan Guru, NMLS 746773, Answer Home Lending, NMLS 2343805472 Century Park Dr Ste 200, Yuba City, CA 95991, USA | 5.0★ | 148 |
| #2 | Presto Home Loans, Inc.345 Gellert Blvd # C, Daly City, CA 94015, USA | 4.8★ | 44 |
| #3 | Ridgley Group - Steve Rakita - Top 2% REALTOR - Mortgage Broker1618 Sullivan Ave #458, Daly City, CA 94015, USA | 5.0★ | 21 |
| #4 | Sally Yip Home Loans936 Brunswick St, Daly City, CA 94014, USA | 5.0★ | 12 |
| #5 | California Mortgage Company, Inc.1435 Huntington Ave STE 100, South San Francisco, CA 94080, USA | 5.0★ | 3 |
| #6 | Manny Kagan Mortgage Broker333 Gellert Blvd #114, Daly City, CA 94015, USA | — | — |
| #7 | Jessie Yeung - Mortgage Connection1435 Huntington Ave #102, South San Francisco, CA 94080, USA | 5.0★ | 14 |
| #8 | West Coast Financial333 Gellert Blvd #207, Daly City, CA 94015, USA | — | — |
| #9 | Ariel Yu - Mortgage Connection1435 Huntington Ave #102, South San Francisco, CA 94080, USA | 5.0★ | 7 |
| #10 | US Bank Mortgage329 Gellert Blvd, Daly City, CA 94015, USA | 2.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Daly City
1435 Huntington Ave STE 100, South San Francisco, CA 94080, USA
333 Gellert Blvd #114, Daly City, CA 94015, USA
Exceptional 5.0-star rating from 14 Google reviews for a Daly City mortgage broker.
1435 Huntington Ave #102, South San Francisco, CA 94080, USA
1435 Huntington Ave #102, South San Francisco, CA 94080, USA
950 John Daly Blvd Suite 200, Daly City, CA 94015, USA
333 Gellert Blvd # 138, Daly City, CA 94015, USA
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We'll connect you with the top mortgage brokers in Daly City, CA.
Mortgage Brokers in Daly City, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Ben Bhangu - The Home Loan Guru, NMLS 746773, Answer Home Lending, NMLS 2343805 | 86/100 | 5.0 ★ | 148 |
| 2 | Presto Home Loans, Inc. | 76/100 | 4.8 ★ | 44 |
| 3 | Ridgley Group - Steve Rakita - Top 2% REALTOR - Mortgage Broker | 75/100 | 5.0 ★ | 21 |
| 4 | Sally Yip Home Loans | 72/100 | 5.0 ★ | 12 |
| 5 | California Mortgage Company, Inc. | 66/100 | 5.0 ★ | 3 |
| 6 | Manny Kagan Mortgage Broker | 3/100 | — | 0 |
| 7 | Jessie Yeung - Mortgage Connection | 73/100 | 5.0 ★ | 14 |
| 8 | West Coast Financial | 3/100 | — | 0 |
| 9 | Ariel Yu - Mortgage Connection | 70/100 | 5.0 ★ | 7 |
| 10 | US Bank Mortgage | 21/100 | 2.0 ★ | 1 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Mortgage Brokers in Daly City
What does a mortgage broker do differently than going directly to a bank in Daly City?
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 Daly City?
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: June 10, 2026.
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