Same Day · Daly City
Same-Day Mortgage Brokers in Daly City, CA
Can't wait a week? These mortgage brokers in Daly City offer same-day or next-day appointments. Call now to check availability.
As of May 2026, RatingsNearMe ranks 13 mortgage brokers in Daly City, CA by verified customer ratings and review volume. The highest-rated is Ben Bhangu - The Home Loan Guru, NMLS 746773, Answer Home Lending, NMLS 2343805 with a 5.0-star rating from 148 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
13
Businesses listed
4.4★
Avg rating
24
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Ben Bhangu - The Home Loan Guru, NMLS 746773, Answer Home Lending, NMLS 2343805
472 Century Park Dr Ste 200, Yuba City, CA 95991, USA
Presto Home Loans, Inc.
345 Gellert Blvd # C, Daly City, CA 94015, USA
Ridgley Group - Steve Rakita - Top 2% REALTOR - Mortgage Broker
1618 Sullivan Ave #458, Daly City, CA 94015, USA
Mortgage 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 | Jessie Yeung - Mortgage Connection1435 Huntington Ave #102, South San Francisco, CA 94080, USA | 5.0★ | 14 |
| #5 | Sally Yip Home Loans936 Brunswick St, Daly City, CA 94014, USA | 5.0★ | 12 |
| #6 | California Mortgage Company, Inc.1435 Huntington Ave STE 100, South San Francisco, CA 94080, USA | 5.0★ | 3 |
| #7 | Manny Kagan Mortgage Broker333 Gellert Blvd #114, Daly City, CA 94015, USA | — | — |
| #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 May 2026
All Mortgage Brokers in Daly City
Jessie Yeung - Mortgage Connection
1435 Huntington Ave #102, South San Francisco, CA 94080, USA
Sally Yip Home Loans
936 Brunswick St, Daly City, CA 94014, USA
California Mortgage Company, Inc.
1435 Huntington Ave STE 100, South San Francisco, CA 94080, USA
Manny Kagan Mortgage Broker
333 Gellert Blvd #114, Daly City, CA 94015, USA
West Coast Financial
333 Gellert Blvd #207, Daly City, CA 94015, USA
Ariel Yu - Mortgage Connection
1435 Huntington Ave #102, South San Francisco, CA 94080, USA
US Bank Mortgage
329 Gellert Blvd, Daly City, CA 94015, USA
Saxe Mortgage Company
950 John Daly Blvd Suite 200, Daly City, CA 94015, USA
Bay City Financial
715 El Camino Real UNIT 208, San Bruno, CA 94066, USA
Arton Chau, San Mateo County Mortgage Lender - eMeta Funding
333 Gellert Blvd # 138, Daly City, CA 94015, USA
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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: May 17, 2026.
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