Top Picks · Irvine
Best Mortgage Brokers in Irvine, CA
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of May 2026, RatingsNearMe ranks 19 mortgage brokers in Irvine, CA by verified customer ratings and review volume. The highest-rated is Clear Mortgage Capital, Inc. with a 4.9-star rating from 1,477 verified reviews. Also in the top tier: West Capital Lending and Trusted Mortgage Capital. The average rating across all listed mortgage brokers in Irvine is 4.9 stars from 447 reviews per business on average.
Mortgage brokers in Irvine: 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
19
Businesses listed
4.9★
Avg rating
447
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Clear Mortgage Capital, Inc.
19800 MacArthur Blvd #880, Irvine, CA 92612, USA
West Capital Lending
17911 Von Karman Ave suite 400, Irvine, CA 92614, USA
Trusted Mortgage Capital
3 Park Plaza #1150, Irvine, CA 92614, USA
Mortgage Brokers Rankings in Irvine, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Clear Mortgage Capital, Inc.19800 MacArthur Blvd #880, Irvine, CA 92612, USA | 4.9★ | 1,477 |
| #2 | West Capital Lending17911 Von Karman Ave suite 400, Irvine, CA 92614, USA | 4.8★ | 3,711 |
| #3 | Trusted Mortgage Capital3 Park Plaza #1150, Irvine, CA 92614, USA | 4.9★ | 694 |
| #4 | The Insight Team - NEO Home Loans100 Spectrum Center Dr Suite 750, Irvine, CA 92618, USA | 4.9★ | 195 |
| #5 | PrimeLending, A PlainsCapital Company - Irvine1 Venture Suite 200, Irvine, CA 92618, USA | 5.0★ | 243 |
| #6 | General Mortgage Capital Corporation - GMCC - Kathy Chu9960 Research Dr, Irvine, CA 92618, USA | 5.0★ | 35 |
| #7 | Charter Pacific Lending Corp9891 Irvine Center Dr, Irvine, CA 92618, USA | 5.0★ | 138 |
| #8 | Andrew Del Rey, Mortgage Banker, Union Home Mortgage9851 Irvine Center Dr Ste. 100, Irvine, CA 92618, USA | 5.0★ | 43 |
| #9 | Dan Nguyen Mortgage Lender18071 Fitch #200, Irvine, CA 92614, USA | 5.0★ | 18 |
| #10 | What's A Mortgage17911 Von Karman Ave suite 400, Irvine, CA 92614, USA | 5.0★ | 76 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Irvine
The Insight Team - NEO Home Loans
100 Spectrum Center Dr Suite 750, Irvine, CA 92618, USA
PrimeLending, A PlainsCapital Company - Irvine
1 Venture Suite 200, Irvine, CA 92618, USA
General Mortgage Capital Corporation - GMCC - Kathy Chu
9960 Research Dr, Irvine, CA 92618, USA
Charter Pacific Lending Corp
9891 Irvine Center Dr, Irvine, CA 92618, USA
Andrew Del Rey, Mortgage Banker, Union Home Mortgage
9851 Irvine Center Dr Ste. 100, Irvine, CA 92618, USA
Dan Nguyen Mortgage Lender
18071 Fitch #200, Irvine, CA 92614, USA
What's A Mortgage
17911 Von Karman Ave suite 400, Irvine, CA 92614, USA
Mutual of Omaha Mortgage
6430 Oak Canyon #100, Irvine, CA 92618, USA
Shield Home Loans
32 Discovery, Irvine, CA 92618, USA
247 Home Lending
18818 Teller Ave #145, Irvine, CA 92612, USA
Secured American Lending, LLC
18100 Von Karman Ave Ste 100, Irvine, CA 92612, USA
Purpose Funding
15707 Rockfield Blvd Suite 225, Irvine, CA 92618, USA
Trustlink Mortgage
7545 Irvine Center Dr Ste 200, Irvine, CA 92618, USA
CashCall Mortgage®
19800 MacArthur Blvd # 500, Irvine, CA 92612, USA
National Pacific Lending
9891 Irvine Center Dr STE 150, Irvine, CA 92618, USA
Smart Money Mortgage
7545 Irvine Center Dr Ste 200, Irvine, CA 92618, USA
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Frequently Asked Questions — Mortgage Brokers in Irvine
What does a mortgage broker do differently than going directly to a bank in Irvine?
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 Irvine?
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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