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As of July 2026, RatingsNearMe ranks 17 mortgage brokers in Fremont, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Diversified Mortgage Group with a 5.0-star rating from 128 Google reviews and an RNM Score of 85/100. Also in the top tier: Providential Mortgage and Kamna Mittal at Guaranteed Rate Affinity (NMLS #926641). The average rating across all listed mortgage brokers in Fremont is 4.9 stars from 33 reviews per business on average.
Mortgage brokers in Fremont: 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
Kamna Mittal at Guaranteed Rate Affinity (NMLS #926641)
Kamna Mittal is consistently top-ranked for her exceptional client service, competitive rates, and deep local market expertise in Fremont.
Most Reviewed
Kamna Mittal at Guaranteed Rate Affinity (NMLS #926641)
A high review count indicates broad client trust and a proven track record of successful mortgage transactions.
When choosing a mortgage broker in Fremont, compare rates, fees, and responsiveness from multiple top-ranked brokers, and always verify their NMLS license and client reviews to ensure a smooth home financing experience.
Local Market Snapshot
17
Businesses listed
4.9★
Avg rating
33
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Consistently earns 5.0 stars from over 120 Google reviews in Fremont.
39300 Civic Center Dr, Fremont, CA 94538, USATrusted by hundreds of local clients with a flawless 5.0-star rating.
7033 Village Pkwy #214, Dublin, CA 94568, USATrusted by 77 clients with an exceptional 4.9-star rating in Fremont.
3340 Walnut Ave #110, Fremont, CA 94538, USAMortgage Brokers Rankings in Fremont, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Diversified Mortgage Group39300 Civic Center Dr, Fremont, CA 94538, USA | 5.0★ | 128 |
| #2 | Providential Mortgage7033 Village Pkwy #214, Dublin, CA 94568, USA | 5.0★ | 107 |
| #3 | Kamna Mittal at Guaranteed Rate Affinity (NMLS #926641)3340 Walnut Ave #110, Fremont, CA 94538, USA | 4.9★ | 77 |
| #4 | Stepheny Chang - Mortgage and Real Estate39465 Paseo Padre Pkwy #1500, Fremont, CA 94538, USA | 5.0★ | 3 |
| #5 | Supreme Lending41111 Mission Blvd Ste 215, Fremont, CA 94539, USA | 5.0★ | 24 |
| #6 | Best Rate Mortgage39899 Balentine Dr #200, Newark, CA 94560, USA | 4.7★ | 12 |
| #7 | TransGlobal Lending - Top Mortgage Broker in Bay Area3340 Walnut Ave Ste 275, Fremont, CA 94538, USA | 5.0★ | 9 |
| #8 | MACCIOLA INC | Voted Best Company 7 Years in a Row110 J St, Fremont, CA 94536, USA | 5.0★ | 30 |
| #9 | R&J Mortgage & Loan Brokers Newark39899 Balentine Dr #200, Newark, CA 94560, USA | 5.0★ | 2 |
| #10 | Anu Batra | The Batra Team43225 Mission Blvd, Fremont, CA 94539, USA | 5.0★ | 26 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Fremont
5.0-star rating from 3 Google reviews, reflecting exceptional client satisfaction.
39465 Paseo Padre Pkwy #1500, Fremont, CA 94538, USA
Proudly serving Fremont with a perfect 5.0-star rating from 24 customer reviews.
41111 Mission Blvd Ste 215, Fremont, CA 94539, USA
Highly rated Fremont mortgage broker with a 4.7-star average from 12 reviews.
39899 Balentine Dr #200, Newark, CA 94560, USA
5.0 stars from 9 reviews, reflecting exceptional client satisfaction in Fremont.
3340 Walnut Ave Ste 275, Fremont, CA 94538, USA
Trusted by clients with a perfect 5.0★ rating from 30 reviews.
110 J St, Fremont, CA 94536, USA
Rated 5.0 stars from 2 Google reviews, this Fremont mortgage broker has exceptional early feedback.
39899 Balentine Dr #200, Newark, CA 94560, USA
Top-rated Fremont mortgage broker with a perfect 5.0-star rating from 26 reviews.
43225 Mission Blvd, Fremont, CA 94539, USA
Rated 4.9 stars from 63 reviews in Fremont.
46560 Fremont Blvd #111, Fremont, CA 94538, USA
Rated 4.6 stars from 10 Google reviews, this Fremont broker is well-regarded by clients.
34906 Newark Blvd, Newark, CA 94560, USA
Earns a perfect 5.0-star rating from its early Google reviews.
U.S. Bank Area Served, Fremont, CA 94536, USA
Trusted Fremont mortgage broker with a perfect 5.0-star rating from clients.
39180 Liberty St #101, Fremont, CA 94538, USA
5.0-star rating from 1 Google review for a Fremont mortgage broker.
39680 Mission Blvd, Fremont, CA 94539, USA
This Fremont mortgage broker has no Google reviews yet, so ratings are unavailable.
39465 Paseo Padre Pkwy Suite 1100, Fremont, CA 94538, USA
No ratings yet; this Fremont mortgage broker has no Google reviews to reference.
3340 Walnut Ave #110, Fremont, CA 94538, USA
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Mortgage Brokers in Fremont, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Diversified Mortgage Group | 85/100 | 5.0 ★ | 128 |
| 2 | Providential Mortgage | 84/100 | 5.0 ★ | 107 |
| 3 | Kamna Mittal at Guaranteed Rate Affinity (NMLS #926641) | 80/100 | 4.9 ★ | 77 |
| 4 | Stepheny Chang - Mortgage and Real Estate | 66/100 | 5.0 ★ | 3 |
| 5 | Supreme Lending | 76/100 | 5.0 ★ | 24 |
| 6 | Best Rate Mortgage | 67/100 | 4.7 ★ | 12 |
| 7 | TransGlobal Lending - Top Mortgage Broker in Bay Area | 71/100 | 5.0 ★ | 9 |
| 8 | MACCIOLA INC | Voted Best Company 7 Years in a Row | 77/100 | 5.0 ★ | 30 |
| 9 | R&J Mortgage & Loan Brokers Newark | 64/100 | 5.0 ★ | 2 |
| 10 | Anu Batra | The Batra Team | 76/100 | 5.0 ★ | 26 |
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 Fremont
What does a mortgage broker do differently than going directly to a bank in Fremont?
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 Fremont?
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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