Local Pros · Hayward
Local Mortgage Brokers in Hayward, CA
Locally owned and operated mortgage brokers serving Hayward and the surrounding area. Supporting local businesses means faster response and accountability.
As of May 2026, RatingsNearMe ranks 12 mortgage brokers in Hayward, CA by verified customer ratings and review volume. The highest-rated is Light Mortgage with a 5.0-star rating from 163 verified reviews. Also in the top tier: Optimal Loans and Mike Kamienski - Mortgage Loan Officer, NMLS #1164796. The average rating across all listed mortgage brokers in Hayward is 5 stars from 30 reviews per business on average.
Mortgage brokers in Hayward: 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
5★
Avg rating
30
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Light Mortgage
11501 Dublin Blvd STE 200, Dublin, CA 94568, USA
Optimal Loans
4061 E Castro Valley Blvd Suite 260, Castro Valley, CA 94552, USA
Mike Kamienski - Mortgage Loan Officer, NMLS #1164796
5776 Stoneridge Mall Rd #280, Pleasanton, CA 94588, USA
Mortgage Brokers Rankings in Hayward, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Light Mortgage11501 Dublin Blvd STE 200, Dublin, CA 94568, USA | 5.0★ | 163 |
| #2 | Optimal Loans4061 E Castro Valley Blvd Suite 260, Castro Valley, CA 94552, USA | 5.0★ | 45 |
| #3 | Mike Kamienski - Mortgage Loan Officer, NMLS #11647965776 Stoneridge Mall Rd #280, Pleasanton, CA 94588, USA | 5.0★ | 33 |
| #4 | Motto Mortgage Golden Standard781 W Tennyson Rd, Hayward, CA 94544, USA | 5.0★ | 16 |
| #5 | Prime Properties of California/ Bay Home Loans26250 Industrial Blvd #26, Hayward, CA 94545, USA | 5.0★ | 1 |
| #6 | Pacific Green Funding29300 Kohoutek Way STE 110, Union City, CA 94587, USA | 5.0★ | 9 |
| #7 | J. Morthon Mortgage Refinance Hayward California24301 Southland Dr, Hayward, CA 94542, USA | 5.0★ | 11 |
| #8 | Dave Mingione Mortgage Broker5776 Stoneridge Mall Rd, Pleasanton, CA 94588, USA | 5.0★ | 17 |
| #9 | Patrick Grogan, Real Estate and Mortgage Broker in Hayward21573 Foothill Blvd #211, Hayward, CA 94541, USA | 5.0★ | 2 |
| #10 | Mortgage Girl, Inc2811 Castro Valley Blvd #207, Castro Valley, CA 94546, USA | 5.0★ | 14 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Hayward
Motto Mortgage Golden Standard
781 W Tennyson Rd, Hayward, CA 94544, USA
Prime Properties of California/ Bay Home Loans
26250 Industrial Blvd #26, Hayward, CA 94545, USA
Pacific Green Funding
29300 Kohoutek Way STE 110, Union City, CA 94587, USA
J. Morthon Mortgage Refinance Hayward California
24301 Southland Dr, Hayward, CA 94542, USA
Dave Mingione Mortgage Broker
5776 Stoneridge Mall Rd, Pleasanton, CA 94588, USA
Patrick Grogan, Real Estate and Mortgage Broker in Hayward
21573 Foothill Blvd #211, Hayward, CA 94541, USA
Mortgage Girl, Inc
2811 Castro Valley Blvd #207, Castro Valley, CA 94546, USA
Michael Gallegos - Fairway Independent Mortgage Corp.
2950 Merced St #101, San Leandro, CA 94578, USA
Bayview Residential Brokerage
987 University Ave STE 12, Los Gatos, CA 95032, USA
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Frequently Asked Questions — Mortgage Brokers in Hayward
What does a mortgage broker do differently than going directly to a bank in Hayward?
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 Hayward?
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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