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As of May 2026, RatingsNearMe ranks 12 mortgage brokers in Fullerton, CA by verified customer ratings and review volume. The highest-rated is Mutual Home Mortgage with a 5.0-star rating from 451 verified reviews. Also in the top tier: Modern Lending and Menconi and Associates. The average rating across all listed mortgage brokers in Fullerton is 4.9 stars from 121 reviews per business on average.
Mortgage brokers in Fullerton: 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
12
Businesses listed
4.9★
Avg rating
121
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Mutual Home Mortgage
500 S Kraemer Blvd Suite 165, Brea, CA 92821, USA
Modern Lending
28999 Old Town Front St Suite 103, Temecula, CA 92590, USA
Menconi and Associates
1370 N Brea Blvd #203, Fullerton, CA 92835, USA
Mortgage Brokers Rankings in Fullerton, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Mutual Home Mortgage500 S Kraemer Blvd Suite 165, Brea, CA 92821, USA | 5.0★ | 451 |
| #2 | Modern Lending28999 Old Town Front St Suite 103, Temecula, CA 92590, USA | 4.9★ | 223 |
| #3 | Menconi and Associates1370 N Brea Blvd #203, Fullerton, CA 92835, USA | 5.0★ | 140 |
| #4 | Millenia Mortgage Fullerton285 E Imperial Hwy Unit 202, Fullerton, CA 92835, USA | 5.0★ | 36 |
| #5 | Giving Tree Lending110 E Wilshire Ave Ste. 210, Fullerton, CA 92832, USA | 4.9★ | 91 |
| #6 | Moretgage500 S Kraemer Blvd Suite 265, Brea, CA 92821, USA | 5.0★ | 30 |
| #7 | LendingRush: Rush Shah, Mortgage Lender NMLS #1171655595 W Lambert Rd Suite 109, Brea, CA 92821, USA | 4.9★ | 29 |
| #8 | iPro Mortgage 스티브양 융자1440 N Harbor Blvd #900, Fullerton, CA 92835, USA | 5.0★ | 8 |
| #9 | American Financial Network, Inc.138 W Malvern Ave unit f, Fullerton, CA 92832, USA | 5.0★ | 23 |
| #10 | Joshua Sun Loans210 W Birch St #201, Brea, CA 92821, USA | 5.0★ | 68 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Fullerton
Millenia Mortgage Fullerton
285 E Imperial Hwy Unit 202, Fullerton, CA 92835, USA
Giving Tree Lending
110 E Wilshire Ave Ste. 210, Fullerton, CA 92832, USA
Moretgage
500 S Kraemer Blvd Suite 265, Brea, CA 92821, USA
LendingRush: Rush Shah, Mortgage Lender NMLS #1171655
595 W Lambert Rd Suite 109, Brea, CA 92821, USA
iPro Mortgage 스티브양 융자
1440 N Harbor Blvd #900, Fullerton, CA 92835, USA
American Financial Network, Inc.
138 W Malvern Ave unit f, Fullerton, CA 92832, USA
Joshua Sun Loans
210 W Birch St #201, Brea, CA 92821, USA
Home Living Tree
1440 N Harbor Blvd Suite 900, Fullerton, CA 92835, USA
LoanStream Mortgage
19000 MacArthur Blvd Suite 200 Suite 200, Irvine, CA 92612, USA
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Frequently Asked Questions — Mortgage Brokers in Fullerton
What does a mortgage broker do differently than going directly to a bank in Fullerton?
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 Fullerton?
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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