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As of July 2026, RatingsNearMe ranks 8 mortgage brokers in Milpitas, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Timothy Chau Group with a 4.9-star rating from 40 Google reviews and an RNM Score of 77/100. Also in the top tier: PRMG and The X Mortgage. The average rating across all listed mortgage brokers in Milpitas is 4.7 stars from 17 reviews per business on average.
Mortgage brokers in Milpitas: 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
8
Businesses listed
4.7★
Avg rating
17
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Milpitas mortgage broker with a 4.9-star rating from 40 Google reviews.
2221 Oakland Rd #268, San Jose, CA 95131, USAMilpitas mortgage broker with a perfect 5.0-star rating from 29 Google reviews.
1762 Technology Dr Suite 106, San Jose, CA 95110, USA5.0-star rating from 19 reviews, reflecting consistent client satisfaction in Milpitas.
2150 N First St Ste 449, San Jose, CA 95131, USAMortgage Brokers Rankings in Milpitas, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Timothy Chau Group2221 Oakland Rd #268, San Jose, CA 95131, USA | 4.9★ | 40 |
| #2 | PRMG1762 Technology Dr Suite 106, San Jose, CA 95110, USA | 5.0★ | 29 |
| #3 | The X Mortgage2150 N First St Ste 449, San Jose, CA 95131, USA | 5.0★ | 19 |
| #4 | Mercato Mortgage Corporation1525 McCarthy Blvd Suite C1140, Milpitas, CA 95035, USA | 4.8★ | 21 |
| #5 | F&H Capital6 S Abbott Ave, Milpitas, CA 95035, USA | 5.0★ | 11 |
| #6 | Low 30 Mortgage1551 McCarthy Blvd STE 211, Milpitas, CA 95035, USA | 5.0★ | 10 |
| #7 | Nationwide Mortgage NMLS 324171963 O'Toole Way, San Jose, CA 95131, USA | 4.3★ | 6 |
| #8 | Aarax Home Loans Inc.1313 N Milpitas Blvd #120, Milpitas, CA 95035, USA | 3.7★ | 3 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Milpitas
Rated 4.8 stars from 21 Google reviews, this Milpitas mortgage broker is highly trusted.
1525 McCarthy Blvd Suite C1140, Milpitas, CA 95035, USA
Rated 5.0 stars from 11 Google reviews, this Milpitas mortgage broker is highly trusted.
6 S Abbott Ave, Milpitas, CA 95035, USA
Exceptional 5.0-star rating from 10 Google reviews for a Milpitas mortgage broker.
1551 McCarthy Blvd STE 211, Milpitas, CA 95035, USA
4.3 stars from 6 reviews highlights solid local client satisfaction.
1963 O'Toole Way, San Jose, CA 95131, USA
Rated 3.7 stars from 3 Google reviews, a mixed but limited track record.
1313 N Milpitas Blvd #120, Milpitas, CA 95035, USA
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Mortgage Brokers in Milpitas, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Timothy Chau Group | 77/100 | 4.9 ★ | 40 |
| 2 | PRMG | 77/100 | 5.0 ★ | 29 |
| 3 | The X Mortgage | 75/100 | 5.0 ★ | 19 |
| 4 | Mercato Mortgage Corporation | 72/100 | 4.8 ★ | 21 |
| 5 | F&H Capital | 72/100 | 5.0 ★ | 11 |
| 6 | Low 30 Mortgage | 71/100 | 5.0 ★ | 10 |
| 7 | Nationwide Mortgage NMLS 32417 | 57/100 | 4.3 ★ | 6 |
| 8 | Aarax Home Loans Inc. | 44/100 | 3.7 ★ | 3 |
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 Milpitas
What does a mortgage broker do differently than going directly to a bank in Milpitas?
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 Milpitas?
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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