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We don't have mortgage brokers listed specifically in Lodi yet — these top-rated pros from San Jose serve your area and are available for calls and quotes today.
Highest Rated · Lodi
Top-Rated Mortgage Brokers in Lodi, CA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Lodi, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Mission San Jose Mortgage with a 5.0-star rating from 91 Google reviews and an RNM Score of 83/100. Also in the top tier: Loans Realty Elite and 365 Home Loans Inc. ALL IN LENDING. The average rating across all listed mortgage brokers in Lodi is 5 stars from 62 reviews per business on average.
Mortgage brokers in Lodi: 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.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
62
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from 91 Google reviews, this San Jose mortgage broker is highly trusted.
2111 W March Ln # B200, Stockton, CA 95207, USARated 5.0 stars from 4 Google reviews, this broker is highly regarded locally.
7502 Fortaleza Ave, Elk Grove, CA 95757, USAElk Grove mortgage broker with a perfect 5.0-star rating from 23 Google reviews.
8788 Elk Grove Blvd Office 1 Building 1, Elk Grove, CA 95624, USAMortgage Brokers Rankings in Lodi, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Mission San Jose Mortgage2111 W March Ln # B200, Stockton, CA 95207, USA | 5.0★ | 91 |
| #2 | Loans Realty Elite7502 Fortaleza Ave, Elk Grove, CA 95757, USA | 5.0★ | 4 |
| #3 | 365 Home Loans Inc. ALL IN LENDING8788 Elk Grove Blvd Office 1 Building 1, Elk Grove, CA 95624, USA | 5.0★ | 23 |
| #4 | Precision Home Loans9401 E Stockton Blvd #145, Elk Grove, CA 95624, USA | 5.0★ | 168 |
| #5 | ArmCor Home Loans9401 E Stockton Blvd Suite 200, Elk Grove, CA 95624, USA | 5.0★ | 18 |
| #6 | Chris Mason - Residential and Commercial Mortgage Broker9401 E Stockton Blvd Suite 145, Office 108, Elk Grove, CA 95624, USA | 5.0★ | 19 |
| #7 | Johnny Delgadillo - Xpert Home Lending Inc.9401 E Stockton Blvd Suite 200, Elk Grove, CA 95624, USA | 4.9★ | 41 |
| #8 | Chris Opfer, Mortgage Lender9381 E Stockton Blvd STE 214, Elk Grove, CA 95624, USA | 5.0★ | 72 |
| #9 | Land Home Financial Services - Elk Grove9381 E Stockton Blvd STE 208, Elk Grove, CA 95624, USA | 5.0★ | 37 |
| #10 | Statewide Realty & Mortgage9299 E Stockton Blvd # 40, Elk Grove, CA 95624, USA | 4.9★ | 177 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Lodi
Elk Grove mortgage broker with a 5.0-star rating from 168 Google reviews.
9401 E Stockton Blvd #145, Elk Grove, CA 95624, USA
Top-rated Elk Grove mortgage broker with a perfect 5.0★ rating from 18 reviews.
9401 E Stockton Blvd Suite 200, Elk Grove, CA 95624, USA
Elk Grove mortgage broker with a perfect 5.0-star rating from 19 reviews.
9401 E Stockton Blvd Suite 145, Office 108, Elk Grove, CA 95624, USA
Elk Grove mortgage broker with a 4.9-star rating from 41 Google reviews.
9401 E Stockton Blvd Suite 200, Elk Grove, CA 95624, USA
Elk Grove mortgage broker with a perfect 5.0-star rating from 72 Google reviews.
9381 E Stockton Blvd STE 214, Elk Grove, CA 95624, USA
5.0-star rating from 37 reviews highlights consistently exceptional client service.
9381 E Stockton Blvd STE 208, Elk Grove, CA 95624, USA
Elk Grove mortgage broker with a 4.9-star rating from 177 Google reviews.
9299 E Stockton Blvd # 40, Elk Grove, CA 95624, USA
5.0-star rating from 2 Google reviews for a local mortgage broker.
9281 Office Park Cir #140, Elk Grove, CA 95758, USA
Elk Grove mortgage broker with a perfect 5.0-star rating from 16 Google reviews.
9281 Office Park Cir #140, Elk Grove, CA 95758, USA
Elk Grove mortgage broker with a 4.9-star rating from 64 local reviews.
9323 Laguna Springs Dr STE 110, Elk Grove, CA 95758, USA
Elk Grove mortgage broker with a perfect 5.0-star rating from 22 reviews.
9280 W Stockton Blvd suite 224, Elk Grove, CA 95758, USA
Elk Grove mortgage broker with a perfect 5.0-star rating from 26 Google reviews.
9250 Laguna Springs Dr #200, Elk Grove, CA 95758, USA
5.0-star rating from over 50 reviews in Elk Grove, CA.
9250 Laguna Springs Dr #210, Elk Grove, CA 95758, USA
Top-rated Elk Grove mortgage broker with a perfect 5.0-star rating from 77 reviews.
9245 Laguna Springs Dr Suite 200, Elk Grove, CA 95758, USA
Top-rated Elk Grove mortgage broker with a perfect 5.0★ rating from 285 reviews.
10259 Atlantis Dr, Elk Grove, CA 95624, USA
Rated 5.0 stars from 35 Google reviews, this Elk Grove broker is highly trusted.
2220 Heger Way, Elk Grove, CA 95758, USA
5.0 stars from 11 Google reviews for a trusted Antioch mortgage broker.
141 Sand Creek Rd Suite C, Brentwood, CA 94513, USA
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Mortgage Brokers in Lodi, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Mission San Jose Mortgage | 83/100 | 5.0 ★ | 91 |
| 2 | Loans Realty Elite | 79/100 | 5.0 ★ | 4 |
| 3 | 365 Home Loans Inc. ALL IN LENDING | 79/100 | 5.0 ★ | 23 |
| 4 | Precision Home Loans | 98/100 | 5.0 ★ | 168 |
| 5 | ArmCor Home Loans | 78/100 | 5.0 ★ | 18 |
| 6 | Chris Mason - Residential and Commercial Mortgage Broker | 86/100 | 5.0 ★ | 19 |
| 7 | Johnny Delgadillo - Xpert Home Lending Inc. | 89/100 | 4.9 ★ | 41 |
| 8 | Chris Opfer, Mortgage Lender | 93/100 | 5.0 ★ | 72 |
| 9 | Land Home Financial Services - Elk Grove | 90/100 | 5.0 ★ | 37 |
| 10 | Statewide Realty & Mortgage | 96/100 | 4.9 ★ | 177 |
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 Lodi
What does a mortgage broker do differently than going directly to a bank in Lodi?
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 Lodi?
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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