Highest Rated · Fremont
Top-Rated Mortgage Brokers in Fremont, CA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Fremont, CA by verified customer ratings and review volume. The highest-rated is Diversified Mortgage Group with a 5.0-star rating from 128 verified reviews. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
17
Businesses listed
4.9★
Avg rating
33
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Diversified Mortgage Group
39300 Civic Center Dr, Fremont, CA 94538, USA
Providential Mortgage
7033 Village Pkwy #214, Dublin, CA 94568, USA
Kamna Mittal at Guaranteed Rate Affinity (NMLS #926641)
3340 Walnut Ave #110, Fremont, CA 94538, USA
Mortgage 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 | TransGlobal Lending - Top Mortgage Broker in Bay Area3340 Walnut Ave Ste 275, Fremont, CA 94538, USA | 5.0★ | 9 |
| #5 | Supreme Lending41111 Mission Blvd Ste 215, Fremont, CA 94539, USA | 5.0★ | 24 |
| #6 | R&J Mortgage & Loan Brokers Newark39899 Balentine Dr #200, Newark, CA 94560, USA | 5.0★ | 2 |
| #7 | General Mortgage Capital Corporation - Fremont39465 Paseo Padre Pkwy Suite 1100, Fremont, CA 94538, USA | — | — |
| #8 | MACCIOLA INC | Voted Best Company 7 Years in a Row110 J St, Fremont, CA 94536, USA | 5.0★ | 30 |
| #9 | Associated Mortgage Group39180 Liberty St #101, Fremont, CA 94538, USA | 5.0★ | 1 |
| #10 | Horizon Financial Associates39680 Mission Blvd, Fremont, CA 94539, USA | 5.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Fremont
TransGlobal Lending - Top Mortgage Broker in Bay Area
3340 Walnut Ave Ste 275, Fremont, CA 94538, USA
Supreme Lending
41111 Mission Blvd Ste 215, Fremont, CA 94539, USA
R&J Mortgage & Loan Brokers Newark
39899 Balentine Dr #200, Newark, CA 94560, USA
General Mortgage Capital Corporation - Fremont
39465 Paseo Padre Pkwy Suite 1100, Fremont, CA 94538, USA
MACCIOLA INC | Voted Best Company 7 Years in a Row
110 J St, Fremont, CA 94536, USA
Associated Mortgage Group
39180 Liberty St #101, Fremont, CA 94538, USA
Horizon Financial Associates
39680 Mission Blvd, Fremont, CA 94539, USA
Best Rate Mortgage
39899 Balentine Dr #200, Newark, CA 94560, USA
Stepheny Chang - Mortgage and Real Estate
39465 Paseo Padre Pkwy #1500, Fremont, CA 94538, USA
U.S. Bank-Mortgage Loan Officer-Tammy Maker
U.S. Bank Area Served, Fremont, CA 94536, USA
Mission Peak Brokers, Inc.
46560 Fremont Blvd #111, Fremont, CA 94538, USA
Guaranteed Rate Affinity
3340 Walnut Ave #110, Fremont, CA 94538, USA
Anu Batra | The Batra Team
43225 Mission Blvd, Fremont, CA 94539, USA
The Money Market Inc
34906 Newark Blvd, Newark, CA 94560, USA
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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: May 17, 2026.
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