Highest Rated · El Cajon
Top-Rated Mortgage Brokers in El Cajon, CA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of July 2026, RatingsNearMe ranks 14 mortgage brokers in El Cajon, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Cameron Harper - Mortgage Professional with a 5.0-star rating from 181 Google reviews and an RNM Score of 98/100. Also in the top tier: PRMG and Granite Mortgage, Inc.. The average rating across all listed mortgage brokers in El Cajon is 5 stars from 52 reviews per business on average.
Mortgage brokers in El Cajon: 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
Veteran Mortgage
Veteran Mortgage is the top-ranked choice due to its veteran-focused expertise and high customer satisfaction ratings.
Most Reviewed
Consolidated Lenders Group, Inc
A high review count indicates broad consumer experience and reliable service history, helping you gauge overall trustworthiness.
Always compare multiple brokers by checking reviews, loan options, and fees; personal referrals from local El Cajon homeowners can also guide your decision.
Local Market Snapshot
14
Businesses listed
5★
Avg rating
52
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
El Cajon mortgage broker with a flawless 5.0-star rating from 181 Google reviews.
5360 Jackson Dr #200, La Mesa, CA 91942, USAEl Cajon mortgage broker with a perfect 5.0-star rating from 91 reviews.
846 E Washington Ave, El Cajon, CA 92020, USARated 5.0 stars from 83 Google reviews, this El Cajon mortgage broker is highly trusted.
2614 Navajo Rd, El Cajon, CA 92020, USAMortgage Brokers Rankings in El Cajon, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Cameron Harper - Mortgage Professional5360 Jackson Dr #200, La Mesa, CA 91942, USA | 5.0★ | 181 |
| #2 | PRMG846 E Washington Ave, El Cajon, CA 92020, USA | 5.0★ | 91 |
| #3 | Granite Mortgage, Inc.2614 Navajo Rd, El Cajon, CA 92020, USA | 5.0★ | 83 |
| #4 | Best Equity Mortgage: Joe Feinhandler5360 Jackson Dr #200, La Mesa, CA 91942, USA | 5.0★ | 36 |
| #5 | Ratesale.com1297 W Main St, El Cajon, CA 92020, USA | 5.0★ | 59 |
| #6 | Happy Investments, Inc. El Cajon Ca772 Jamacha Rd # 120D, El Cajon, CA 92019, USA | — | — |
| #7 | Valli Home Loans9340 Fuerte Dr Suite 203, La Mesa, CA 91941, USA | 4.9★ | 17 |
| #8 | Consolidated Lenders Group, Inc2037 Shire Dr, El Cajon, CA 92019, USA | 4.6★ | 9 |
| #9 | Veteran Mortgage500 Fesler St # 207, El Cajon, CA 92020, USA | 5.0★ | 2 |
| #10 | Jodi Connor - Realtor & Mortgage Broker565 Magnolia Ave, El Cajon, CA 92020, USA | 5.0★ | 28 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in El Cajon
El Cajon mortgage broker with a perfect 5.0-star rating from 36 Google reviews.
5360 Jackson Dr #200, La Mesa, CA 91942, USA
El Cajon mortgage broker with a perfect 5.0-star rating from 59 reviews.
1297 W Main St, El Cajon, CA 92020, USA
El Cajon mortgage broker with no customer reviews yet; first to share your experience.
772 Jamacha Rd # 120D, El Cajon, CA 92019, USA
4.9-star rating from 17 reviews makes this El Cajon mortgage broker a trusted choice.
9340 Fuerte Dr Suite 203, La Mesa, CA 91941, USA
Rated 4.6 stars from 9 Google reviews for mortgage services in El Cajon.
2037 Shire Dr, El Cajon, CA 92019, USA
Exceptional 5.0-star rating from 2 Google reviews for a local mortgage broker.
500 Fesler St # 207, El Cajon, CA 92020, USA
Rated 5.0 stars from 28 Google reviews, this El Cajon mortgage broker is highly trusted.
565 Magnolia Ave, El Cajon, CA 92020, USA
Top-rated El Cajon mortgage broker with a perfect 5.0-star rating from 83 reviews.
3855 Avocado Blvd Suite 210, La Mesa, CA 91941, USA
Exceptional 5.0-star rating from four Google reviews for mortgage services.
303 E Main St, El Cajon, CA 92020, USA
Trusted by dozens of local clients, earning an exceptional 4.9-star average rating.
250 E Chase Ave suit 107, El Cajon, CA 92020, USA
5.0 stars from 26 reviews, reflecting exceptional client satisfaction.
9320 Fuerte Dr STE 100, La Mesa, CA 91941, USA
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Mortgage Brokers in El Cajon, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Cameron Harper - Mortgage Professional | 98/100 | 5.0 ★ | 181 |
| 2 | PRMG | 95/100 | 5.0 ★ | 91 |
| 3 | Granite Mortgage, Inc. | 94/100 | 5.0 ★ | 83 |
| 4 | Best Equity Mortgage: Joe Feinhandler | 90/100 | 5.0 ★ | 36 |
| 5 | Ratesale.com | 92/100 | 5.0 ★ | 59 |
| 6 | Happy Investments, Inc. El Cajon Ca | 15/100 | — | 0 |
| 7 | Valli Home Loans | 76/100 | 4.9 ★ | 17 |
| 8 | Consolidated Lenders Group, Inc | 67/100 | 4.6 ★ | 9 |
| 9 | Veteran Mortgage | 64/100 | 5.0 ★ | 2 |
| 10 | Jodi Connor - Realtor & Mortgage Broker | 77/100 | 5.0 ★ | 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 El Cajon
What does a mortgage broker do differently than going directly to a bank in El Cajon?
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 El Cajon?
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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