Low Cost · Oakland
Cheap Mortgage Brokers in Oakland, CA — Best Prices
Compare mortgage brokers prices in Oakland to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Oakland, CA by verified customer ratings and review volume. The highest-rated is Brady Thomas | LaSalle Mortgage - NMLS #396946 with a 5.0-star rating from 453 verified reviews. Also in the top tier: Vic Joshi's Straight Deal Mortgage and Chris Freck @ EstaR Mortgage. The average rating across all listed mortgage brokers in Oakland is 5 stars from 85 reviews per business on average.
Mortgage brokers in Oakland: 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
17
Businesses listed
5★
Avg rating
85
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Brady Thomas | LaSalle Mortgage - NMLS #396946
4200 Broadway Suite 2, Oakland, CA 94611, USA
Vic Joshi's Straight Deal Mortgage
4811 Telegraph Ave #511, Oakland, CA 94609, USA
Chris Freck @ EstaR Mortgage
2413 Webb Ave STE E, Alameda, CA 94501, USA
Mortgage Brokers Rankings in Oakland, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Brady Thomas | LaSalle Mortgage - NMLS #3969464200 Broadway Suite 2, Oakland, CA 94611, USA | 5.0★ | 453 |
| #2 | Vic Joshi's Straight Deal Mortgage4811 Telegraph Ave #511, Oakland, CA 94609, USA | 5.0★ | 222 |
| #3 | Chris Freck @ EstaR Mortgage2413 Webb Ave STE E, Alameda, CA 94501, USA | 5.0★ | 208 |
| #4 | Jay Sondhi | U.S. Bank | Oakland Mortgage Loan Officer1998 Mountain Blvd, Oakland, CA 94611, USA | 5.0★ | 69 |
| #5 | Brenda Wyatt4200 Broadway Suite 2, Oakland, CA 94611, USA | 5.0★ | 43 |
| #6 | Mit Mann, Mortgage Broker, California Real Estate Services (CRES)2411 Santa Clara Ave Suite 1, Alameda, CA 94501, USA | 5.0★ | 19 |
| #7 | TMC Financing1611 Telegraph Ave Suite 504, Oakland, CA 94612, USA | 4.8★ | 30 |
| #8 | Patricia N. Chavez, Broker-Owner at GSME | NMLS 2964896737 Skyview Dr, Oakland, CA 94605, USA | 5.0★ | 18 |
| #9 | Joey Wolf - Loan Advisor - NMLS#15599904200 Broadway Suite 2, Oakland, CA 94611, USA | 5.0★ | 95 |
| #10 | Holmgren & Associates4200 Broadway, Oakland, CA 94611, USA | 5.0★ | 24 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Oakland
Jay Sondhi | U.S. Bank | Oakland Mortgage Loan Officer
1998 Mountain Blvd, Oakland, CA 94611, USA
Brenda Wyatt
4200 Broadway Suite 2, Oakland, CA 94611, USA
Mit Mann, Mortgage Broker, California Real Estate Services (CRES)
2411 Santa Clara Ave Suite 1, Alameda, CA 94501, USA
TMC Financing
1611 Telegraph Ave Suite 504, Oakland, CA 94612, USA
Patricia N. Chavez, Broker-Owner at GSME | NMLS 296489
6737 Skyview Dr, Oakland, CA 94605, USA
Joey Wolf - Loan Advisor - NMLS#1559990
4200 Broadway Suite 2, Oakland, CA 94611, USA
Holmgren & Associates
4200 Broadway, Oakland, CA 94611, USA
Chris Granger - Xpert Home Lending
1512 Webster St suite b, Alameda, CA 94501, USA
Ameriverse Reverse Mortgage Oakland
66 Franklin St Suite 300, Oakland, CA 94607, USA
Quiana Petry
4200 2 Broadway, Oakland, CA 94611, USA
Mari Parsnick-LaSalle Mortgage
6201 Antioch St #200, Oakland, CA 94611, USA
Levias Lending LLC
5608 Shattuck Ave., Oakland, CA 94609, USA
LaSalle Mortgage
4200 Broadway Suite 2, Oakland, CA 94611, USA
Fresh Home Loan Inc - Independent Mortgage Brokers - Garrick Werdmuller
1151 Harbor Bay Pkwy # 136, Alameda, CA 94502, USA
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Frequently Asked Questions — Mortgage Brokers in Oakland
What does a mortgage broker do differently than going directly to a bank in Oakland?
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 Oakland?
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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