Highest Rated · Oceanside
Top-Rated Mortgage Brokers in Oceanside, CA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of May 2026, RatingsNearMe ranks 18 mortgage brokers in Oceanside, CA by verified customer ratings and review volume. The highest-rated is MortgageOne, Inc. with a 4.9-star rating from 454 verified reviews. Also in the top tier: DG Funding and Oceanside Mortgage Company. The average rating across all listed mortgage brokers in Oceanside is 4.9 stars from 138 reviews per business on average.
Mortgage brokers in Oceanside: 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
18
Businesses listed
4.9★
Avg rating
138
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
MortgageOne, Inc.
2714 Loker Ave W #300, Carlsbad, CA 92010, USA
Oceanside Mortgage Company
55 Main St, Toms River, NJ 08753, USA
Mortgage Brokers Rankings in Oceanside, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | MortgageOne, Inc.2714 Loker Ave W #300, Carlsbad, CA 92010, USA | 4.9★ | 454 |
| #2 | DG Funding1932 Kellogg Ave, Carlsbad, CA 92008, USA | 4.9★ | 278 |
| #3 | Oceanside Mortgage Company55 Main St, Toms River, NJ 08753, USA | 4.8★ | 592 |
| #4 | Pacific Coast Home Mortgage & Real Estate Inc900 Pier View Wy, Oceanside, CA 92054, USA | 5.0★ | 54 |
| #5 | Home Mortgage Experts2103 S El Camino Real #108, Oceanside, CA 92054, USA | 5.0★ | 41 |
| #6 | Nick Rodriguez at CrossCountry Mortgage805 College Blvd #103, Oceanside, CA 92057, USA | 5.0★ | 35 |
| #7 | North Coast Financial, Inc. Hard Money Lenders2424 Vista Way UNIT 202, Oceanside, CA 92054, USA | 5.0★ | 69 |
| #8 | Maximum Mortgage & Real Estate, Inc.603 Seagaze Dr #525, Oceanside, CA 92054, USA | 4.0★ | 24 |
| #9 | Sea Monster Loans / C2 Financial Corporation0 Pier View Wy, Oceanside, CA 92054, USA | 5.0★ | 11 |
| #10 | Secure Choice Lending Corporate1650 Spruce St STE 500, Riverside, CA 92507, USA | 4.9★ | 406 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Oceanside
Pacific Coast Home Mortgage & Real Estate Inc
900 Pier View Wy, Oceanside, CA 92054, USA
Home Mortgage Experts
2103 S El Camino Real #108, Oceanside, CA 92054, USA
Nick Rodriguez at CrossCountry Mortgage
805 College Blvd #103, Oceanside, CA 92057, USA
North Coast Financial, Inc. Hard Money Lenders
2424 Vista Way UNIT 202, Oceanside, CA 92054, USA
Maximum Mortgage & Real Estate, Inc.
603 Seagaze Dr #525, Oceanside, CA 92054, USA
Sea Monster Loans / C2 Financial Corporation
0 Pier View Wy, Oceanside, CA 92054, USA
Secure Choice Lending Corporate
1650 Spruce St STE 500, Riverside, CA 92507, USA
America One Mortgage Group
1902 Wright Pl #200, Carlsbad, CA 92008, USA
Secured Lending Group, Mortgage Broker Belinda Biedebach
380 S Melrose Dr Suite 381, Vista, CA 92081, USA
Military Mortgage Group
805 College Blvd Suite 103, Oceanside, CA 92057, USA
Eagle Nest Realty & Mortgage Inc.
4167 Avenida De La Plata #104, Oceanside, CA 92056, USA
Mortgage Broker Matt Moreno
1932 Kellogg Ave, Carlsbad, CA 92008, USA
Hansen-Tyler Team at CrossCountry Mortgage
3636 Nobel Dr Suite 130, San Diego, CA 92122, USA
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Frequently Asked Questions — Mortgage Brokers in Oceanside
What does a mortgage broker do differently than going directly to a bank in Oceanside?
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 Oceanside?
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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