10+ Years · Fullerton
Experienced Mortgage Brokers in Fullerton, CA
Experience matters. These mortgage brokers in Fullerton have years of proven work behind them — and the reviews to back it up.
As of July 2026, RatingsNearMe ranks 12 mortgage brokers in Fullerton, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Mutual Home Mortgage with a 5.0-star rating from 451 Google reviews and an RNM Score of 88/100. Also in the top tier: Modern Lending and LoanStream Mortgage. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
LoanStream Mortgage
LoanStream Mortgage is top-ranked for its strong reputation and comprehensive loan options tailored to Fullerton homebuyers.
Most Reviewed
LendingRush: Rush Shah, Mortgage Lender NMLS #1171655
A high number of reviews indicates broad customer experience and trust, helping you gauge service reliability.
Compare loan estimates from multiple brokers to find the best rates and fees, and always verify each lender's NMLS license and local reputation.
Local Market Snapshot
12
Businesses listed
4.9★
Avg rating
121
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Fullerton's top-rated mortgage broker with 5.0 stars from over 450 reviews.
500 S Kraemer Blvd Suite 165, Brea, CA 92821, USA4.9 stars from hundreds of Google reviews for a Fullerton mortgage broker.
28999 Old Town Front St Suite 103, Temecula, CA 92590, USAConsistently rated 4.5 stars across hundreds of Google reviews in Fullerton.
19000 MacArthur Blvd Suite 200 Suite 200, Irvine, CA 92612, USAMortgage 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 | LoanStream Mortgage19000 MacArthur Blvd Suite 200 Suite 200, Irvine, CA 92612, USA | 4.5★ | 344 |
| #4 | Millenia Mortgage Fullerton285 E Imperial Hwy Unit 202, Fullerton, CA 92835, USA | 5.0★ | 36 |
| #5 | Moretgage500 S Kraemer Blvd Suite 265, Brea, CA 92821, USA | 5.0★ | 30 |
| #6 | Giving Tree Lending110 E Wilshire Ave Ste. 210, Fullerton, CA 92832, USA | 4.9★ | 91 |
| #7 | LendingRush: Rush Shah, Mortgage Lender NMLS #1171655595 W Lambert Rd Suite 109, Brea, CA 92821, USA | 4.9★ | 29 |
| #8 | American Financial Network, Inc.138 W Malvern Ave unit f, Fullerton, CA 92832, USA | 5.0★ | 23 |
| #9 | Menconi and Associates1370 N Brea Blvd #203, Fullerton, CA 92835, USA | 5.0★ | 140 |
| #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 July 2026
All Mortgage Brokers in Fullerton
5.0 stars from 36 Google reviews, reflecting exceptional client satisfaction in Fullerton.
285 E Imperial Hwy Unit 202, Fullerton, CA 92835, USA
Fullerton mortgage broker with a perfect 5.0-star rating from 30 Google reviews.
500 S Kraemer Blvd Suite 265, Brea, CA 92821, USA
Fullerton mortgage broker with 4.9 stars from 91 Google reviews.
110 E Wilshire Ave Ste. 210, Fullerton, CA 92832, USA
Rated 4.9 stars from 29 Google reviews by local clients.
595 W Lambert Rd Suite 109, Brea, CA 92821, USA
Rated 5.0 stars from 23 Google reviews, this Fullerton mortgage broker is highly trusted.
138 W Malvern Ave unit f, Fullerton, CA 92832, USA
Top-rated Fullerton mortgage broker with a perfect 5.0 stars from 140 reviews.
1370 N Brea Blvd #203, Fullerton, CA 92835, USA
A 5.0-star-rated Fullerton mortgage broker with 68 glowing Google reviews.
210 W Birch St #201, Brea, CA 92821, USA
Rated 5.0 stars from 8 Google reviews, this Fullerton mortgage broker is highly recommended.
1440 N Harbor Blvd #900, Fullerton, CA 92835, USA
5.0-star rating from 4 reviews highlights exceptional local mortgage service.
1440 N Harbor Blvd Suite 900, Fullerton, CA 92835, USA
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Mortgage Brokers in Fullerton, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Mutual Home Mortgage | 88/100 | 5.0 ★ | 451 |
| 2 | Modern Lending | 86/100 | 4.9 ★ | 223 |
| 3 | LoanStream Mortgage | 80/100 | 4.5 ★ | 344 |
| 4 | Millenia Mortgage Fullerton | 78/100 | 5.0 ★ | 36 |
| 5 | Moretgage | 77/100 | 5.0 ★ | 30 |
| 6 | Giving Tree Lending | 81/100 | 4.9 ★ | 91 |
| 7 | LendingRush: Rush Shah, Mortgage Lender NMLS #1171655 | 75/100 | 4.9 ★ | 29 |
| 8 | American Financial Network, Inc. | 76/100 | 5.0 ★ | 23 |
| 9 | Menconi and Associates | 85/100 | 5.0 ★ | 140 |
| 10 | Joshua Sun Loans | 81/100 | 5.0 ★ | 68 |
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 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: July 4, 2026.
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