Licensed · Irvine
Licensed & Insured Mortgage Brokers in Irvine, CA
Every mortgage brokers listed here carries proper licensing and insurance in CA. Protect yourself — always verify credentials before work begins.
As of July 2026, RatingsNearMe ranks 19 mortgage brokers in Irvine, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Clear Mortgage Capital, Inc. with a 4.9-star rating from 1,477 Google reviews and an RNM Score of 87/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
CashCall Mortgage®
CashCall Mortgage® stands out as the top-ranked broker due to its strong reputation, competitive rates, and efficient service.
Most Reviewed
CashCall Mortgage®
A high number of reviews indicates broad customer experience and reliability, helping consumers gauge service quality.
When choosing a mortgage broker in Irvine, compare rates, fees, and customer feedback; consider both online reviews and personal referrals to ensure you find a trustworthy partner for your home loan.
Local Market Snapshot
19
Businesses listed
4.9★
Avg rating
447
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
4.9 stars from nearly 1,500 reviews, reflecting exceptional client satisfaction.
19800 MacArthur Blvd #880, Irvine, CA 92612, USA4.8 stars from over 3,700 Google reviews in Irvine.
17911 Von Karman Ave suite 400, Irvine, CA 92614, USATrusted by hundreds of clients with a 4.9-star average rating.
3 Park Plaza #1150, Irvine, CA 92614, USAMortgage 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 | Andrew Del Rey, Mortgage Banker, Union Home Mortgage9851 Irvine Center Dr Ste. 100, Irvine, CA 92618, USA | 5.0★ | 43 |
| #5 | Dan Nguyen Mortgage Lender18071 Fitch #200, Irvine, CA 92614, USA | 5.0★ | 18 |
| #6 | Mutual of Omaha Mortgage6430 Oak Canyon #100, Irvine, CA 92618, USA | 4.8★ | 267 |
| #7 | Shield Home Loans32 Discovery, Irvine, CA 92618, USA | 4.9★ | 238 |
| #8 | The Insight Team - NEO Home Loans100 Spectrum Center Dr Suite 750, Irvine, CA 92618, USA | 4.9★ | 195 |
| #9 | Charter Pacific Lending Corp9891 Irvine Center Dr, Irvine, CA 92618, USA | 5.0★ | 138 |
| #10 | General Mortgage Capital Corporation - GMCC - Kathy Chu9960 Research Dr, Irvine, CA 92618, USA | 5.0★ | 35 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Irvine
Trusted Irvine mortgage broker with a flawless 5.0-star rating from 43 reviews.
9851 Irvine Center Dr Ste. 100, Irvine, CA 92618, USA
Irvine mortgage broker with a flawless 5.0-star rating from 18 Google reviews.
18071 Fitch #200, Irvine, CA 92614, USA
A trusted Irvine mortgage broker with a 4.8-star rating from 267 reviews.
6430 Oak Canyon #100, Irvine, CA 92618, USA
Rated 4.9 stars from 238 Google reviews by Irvine clients.
32 Discovery, Irvine, CA 92618, USA
Top-rated Irvine mortgage broker with 4.9 stars from nearly 200 reviews.
100 Spectrum Center Dr Suite 750, Irvine, CA 92618, USA
Trusted Irvine mortgage broker with a flawless 5.0★ rating from 138 reviews.
9891 Irvine Center Dr, Irvine, CA 92618, USA
Boasts a flawless 5.0-star rating from 35 glowing Google reviews.
9960 Research Dr, Irvine, CA 92618, USA
Trusted by over 200 clients with a near-perfect 4.9-star rating.
15707 Rockfield Blvd Suite 225, Irvine, CA 92618, USA
Trusted Irvine mortgage broker with a flawless 5.0★ rating from over 240 reviews.
1 Venture Suite 200, Irvine, CA 92618, USA
Trusted by hundreds of local clients, this Irvine broker holds a strong 4.7-star rating.
19800 MacArthur Blvd # 500, Irvine, CA 92612, USA
Irvine mortgage broker with a perfect 5.0★ rating from 158 Google reviews.
7545 Irvine Center Dr Ste 200, Irvine, CA 92618, USA
Irvine mortgage broker with a perfect 5.0-star rating from over 100 reviews.
7545 Irvine Center Dr Ste 200, Irvine, CA 92618, USA
Top-rated Irvine mortgage broker with a 4.9-star rating from nearly 100 reviews.
9891 Irvine Center Dr STE 150, Irvine, CA 92618, USA
Irvine mortgage broker with 4.9 stars from 88 Google reviews.
18818 Teller Ave #145, Irvine, CA 92612, USA
Top-rated Irvine mortgage broker with 5.0 stars from 86 reviews.
18100 Von Karman Ave Ste 100, Irvine, CA 92612, USA
Consistently rated 5.0 stars from 76 Google reviews in Irvine, CA.
17911 Von Karman Ave suite 400, Irvine, CA 92614, USA
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Mortgage Brokers in Irvine, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Clear Mortgage Capital, Inc. | 87/100 | 4.9 ★ | 1,477 |
| 2 | West Capital Lending | 85/100 | 4.8 ★ | 3,711 |
| 3 | Trusted Mortgage Capital | 87/100 | 4.9 ★ | 694 |
| 4 | Andrew Del Rey, Mortgage Banker, Union Home Mortgage | 79/100 | 5.0 ★ | 43 |
| 5 | Dan Nguyen Mortgage Lender | 74/100 | 5.0 ★ | 18 |
| 6 | Mutual of Omaha Mortgage | 85/100 | 4.8 ★ | 267 |
| 7 | Shield Home Loans | 86/100 | 4.9 ★ | 238 |
| 8 | The Insight Team - NEO Home Loans | 85/100 | 4.9 ★ | 195 |
| 9 | Charter Pacific Lending Corp | 85/100 | 5.0 ★ | 138 |
| 10 | General Mortgage Capital Corporation - GMCC - Kathy Chu | 78/100 | 5.0 ★ | 35 |
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 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: July 4, 2026.
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