24/7 Available · Ontario
24-Hour Mortgage Brokers in Ontario, CA — Always Available
Emergencies don't keep business hours. These mortgage brokers in Ontario are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Ontario, CA by verified customer ratings and review volume. The highest-rated is Ratehub.ca with a 4.9-star rating from 5,423 verified reviews. Also in the top tier: Mortgage Wellness and GEM Mortgage. The average rating across all listed mortgage brokers in Ontario is 5 stars from 355 reviews per business on average.
Mortgage brokers in Ontario: 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
20
Businesses listed
5★
Avg rating
355
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Ratehub.ca
100 University Ave 5th Floor, Toronto, ON M5J 1V6, Canada
Mortgage Wellness
430 Essa Rd Unit 8, Barrie, ON L9J 0M1, Canada
GEM Mortgage
3281 E Guasti Rd Suite 330, Ontario, CA 91761, USA
Mortgage Brokers Rankings in Ontario, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Ratehub.ca100 University Ave 5th Floor, Toronto, ON M5J 1V6, Canada | 4.9★ | 5,423 |
| #2 | Mortgage Wellness430 Essa Rd Unit 8, Barrie, ON L9J 0M1, Canada | 5.0★ | 701 |
| #3 | GEM Mortgage3281 E Guasti Rd Suite 330, Ontario, CA 91761, USA | 5.0★ | 140 |
| #4 | The Mortgage Phoenix Group8599 Haven Ave # 301, Rancho Cucamonga, CA 91730, USA | 5.0★ | 114 |
| #5 | Adam Tice, Mortgage Lender and Broker NMLS #2893983595-1 Inland Empire Blvd BLDG 1, Ontario, CA 91764, USA | 5.0★ | 93 |
| #6 | Encore Mortgage3155 Sedona Ct bldg c, Ontario, CA 91764, USA | 5.0★ | 55 |
| #7 | Golden Coast Mortgage (25+ Years in Mortgage Lending)1119 S Milliken Ave Suite E, Ontario, CA 91761, USA | 5.0★ | 34 |
| #8 | Lock n Loan Lending3602 Inland Empire Blvd # B205, Ontario, CA 91764, USA | 5.0★ | 109 |
| #9 | TDR Mortgage - Teresa Tims188 D St, Upland, CA 91786, USA | 5.0★ | 86 |
| #10 | Full Circle Home Loans99 E C St #206, Upland, CA 91786, USA | 5.0★ | 105 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Ontario
The Mortgage Phoenix Group
8599 Haven Ave # 301, Rancho Cucamonga, CA 91730, USA
Adam Tice, Mortgage Lender and Broker NMLS #289398
3595-1 Inland Empire Blvd BLDG 1, Ontario, CA 91764, USA
Encore Mortgage
3155 Sedona Ct bldg c, Ontario, CA 91764, USA
Golden Coast Mortgage (25+ Years in Mortgage Lending)
1119 S Milliken Ave Suite E, Ontario, CA 91761, USA
Lock n Loan Lending
3602 Inland Empire Blvd # B205, Ontario, CA 91764, USA
TDR Mortgage - Teresa Tims
188 D St, Upland, CA 91786, USA
Full Circle Home Loans
99 E C St #206, Upland, CA 91786, USA
Legacy Lending Inc
316 N Corona Ave, Ontario, CA 91764, USA
Evelyn Vega | Home Sweet Home Mortgage
3281 E Guasti Rd 7th Floor Suite 705, Ontario, CA 91761, USA
BirdEye Loans, Inc.
3200 E Guasti Rd #100, Ontario, CA 91761, USA
House of Loans
388 E Foothill Blvd, Upland, CA 91786, USA
Idrees Khan | Mortgage Lender
3800 Concours St Suite 160, Ontario, CA 91764, USA
Vanessa Sharp, Mortgage Broker NMLS #1088167
800 N Haven Ave Ste. 100, Ontario, CA 91764, USA
Future Mortgage Inc
3595 Inland Empire Blvd #1240, Ontario, CA 91764, USA
Aylen Nolasco - Mortgage Loan Officer
3350 Shelby St #100, Ontario, CA 91764, USA
Inspire Home Loans - Ontario, CA
3237 E Guasti Rd #120, Ontario, CA 91761, USA
Francisco M Orozco | Mortgage Loan Originator
1520 N Mountain Ave #117, Ontario, CA 91762, USA
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Frequently Asked Questions — Mortgage Brokers in Ontario
What does a mortgage broker do differently than going directly to a bank in Ontario?
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 Ontario?
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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