Best Value · Davis
Affordable Mortgage Brokers in Davis, CA
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As of June 2026, RatingsNearMe ranks 19 mortgage brokers in Davis, CA by verified customer ratings and review volume. The highest-rated is Scott T. Davis at CrossCountry Mortgage with a 5.0-star rating from 84 verified reviews. Also in the top tier: Guild Mortgage - Lori Sinor and Guild Mortgage - Jamie Davis. The average rating across all listed mortgage brokers in Davis is 5 stars from 24 reviews per business on average.
Mortgage brokers in Davis: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
24
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
Scott T. Davis at CrossCountry Mortgage
860 Pacific Coast Hwy Suite C105, El Segundo, CA 90245, USA
Guild Mortgage - Jamie Davis
8074 Precinct Line Rd, Colleyville, TX 76034, USA
Mortgage Brokers Rankings in Davis, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Scott T. Davis at CrossCountry Mortgage860 Pacific Coast Hwy Suite C105, El Segundo, CA 90245, USA | 5.0★ | 84 |
| #2 | Guild Mortgage - Lori Sinor404 2nd St, Davis, CA 95616, USA | 5.0★ | 59 |
| #3 | Guild Mortgage - Jamie Davis8074 Precinct Line Rd, Colleyville, TX 76034, USA | 5.0★ | 49 |
| #4 | Fairway Independent Mortgage Corporation133 D St Suite F, Davis, CA 95616, USA | — | — |
| #5 | Tom Davis Jr | Mortgage Consultant1200 Suncast Ln Ste 3, El Dorado Hills, CA 95762, USA | 5.0★ | 1 |
| #6 | Answer Home Loans, Inc.6085 Douglas Blvd #500, Granite Bay, CA 95746, USA | 4.6★ | 28 |
| #7 | The Larry Davis Team - NMLS 168532 - PrimeLending180 N Glendora Ave # 202, Glendora, CA 91741, USA | 5.0★ | 20 |
| #8 | US Bank Mortgage304 F St, Davis, CA 95616, USA | — | — |
| #9 | Sinor Mengali Group at Guild Mortgage404 2nd St, Davis, CA 95616, USA | 5.0★ | 6 |
| #10 | Guild Mortgage - Robin Davis4060 Mother Lode Dr, Shingle Springs, CA 95682, USA | 5.0★ | 14 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Davis
Fairway Independent Mortgage Corporation
133 D St Suite F, Davis, CA 95616, USA
Tom Davis Jr | Mortgage Consultant
1200 Suncast Ln Ste 3, El Dorado Hills, CA 95762, USA
Answer Home Loans, Inc.
6085 Douglas Blvd #500, Granite Bay, CA 95746, USA
The Larry Davis Team - NMLS 168532 - PrimeLending
180 N Glendora Ave # 202, Glendora, CA 91741, USA
Sinor Mengali Group at Guild Mortgage
404 2nd St, Davis, CA 95616, USA
Guild Mortgage - Robin Davis
4060 Mother Lode Dr, Shingle Springs, CA 95682, USA
Generations Home Loans | David Massey NMLS# 1029444
401 2nd St, Davis, CA 95616, USA
Marc Thompson, Mortgage Lender NMLS Lic. #282260
437 F St, Davis, CA 95616, USA
Nate Pina - AMC Mortgage
422 2nd St, Davis, CA 95616, USA
Rick Carrie - Davis PrimeLending Mortgage Lender
508 2nd St #102, Davis, CA 95616, USA
C2 Financial Corp/Steve Oka
2050 Lyndell Terrace STE 220, Davis, CA 95616, USA
PrimeLending, A PlainsCapital Company - Yolo
508 2nd St #102, Davis, CA 95616, USA
Happy Investments, Inc. Davis CA
Oak Tree Plaza, 1520 E Covell Blvd Suite B5 - 416D, Davis, CA 95616, USA
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Frequently Asked Questions — Mortgage Brokers in Davis
What does a mortgage broker do differently than going directly to a bank in Davis?
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 Davis?
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 1, 2026.
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