Local Pros · Richmond
Local Mortgage Brokers in Richmond, CA
Locally owned and operated mortgage brokers serving Richmond and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 10 mortgage brokers in Richmond, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Newfi Lending with a 4.4-star rating from 211 Google reviews and an RNM Score of 77/100. Also in the top tier: HomeLoans by Evelyn Chong and Janice Carroll - Barrett Financial Group. The average rating across all listed mortgage brokers in Richmond is 4.8 stars from 47 reviews per business on average.
Mortgage brokers in Richmond: 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.
Best Overall
Newfi Lending
Newfi Lending stands out as a top-ranked broker due to its strong reputation for combining competitive rates with a streamlined digital mortgage process.
Most Reviewed
American Financial Network, Inc.
A high review count indicates a large volume of customer experiences, which can provide a more reliable picture of consistent service and trustworthiness.
When choosing a mortgage broker in Richmond, compare at least two of these top-ranked brokers to ensure you receive the best rate and service for your specific financial situation. Always verify licensing and read recent customer reviews to gauge reliability.
Local Market Snapshot
10
Businesses listed
4.8★
Avg rating
47
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of local clients, reflected in a strong 4.4-star rating.
2100 Powell St Suite 730, Emeryville, CA 94608, USARated 5.0 stars from 61 reviews, this Richmond broker is highly trusted.
953 San Pablo Ave Suite A, Pinole, CA 94564, USAEarning a flawless 5.0-star rating from 51 Google reviews in Richmond, CA.
2284 San Pablo Ave, Pinole, CA 94564, USAMortgage Brokers Rankings in Richmond, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Newfi Lending2100 Powell St Suite 730, Emeryville, CA 94608, USA | 4.4★ | 211 |
| #2 | HomeLoans by Evelyn Chong953 San Pablo Ave Suite A, Pinole, CA 94564, USA | 5.0★ | 61 |
| #3 | Janice Carroll - Barrett Financial Group2284 San Pablo Ave, Pinole, CA 94564, USA | 5.0★ | 51 |
| #4 | Classique Mortgage3150 Hilltop Mall Rd Suite 6, Richmond, CA 94806, USA | — | — |
| #5 | Griselda's Ledesma Mortgage Team12553 San Pablo Ave, Richmond, CA 94805, USA | 5.0★ | 45 |
| #6 | American Financial Network, Inc.3260 Blume Dr #405, Richmond, CA 94806, USA | 5.0★ | 24 |
| #7 | AmeriVerse Reverse Mortgage3260 Blume Dr #410B, Richmond, CA 94806, USA | 5.0★ | 7 |
| #8 | Jadestone Mortgage, Inc.3260 Blume Dr # 410, Richmond, CA 94806, USA | 4.2★ | 5 |
| #9 | Edward Carroll | Mortgage Broker | MLO 1037433 | Barrett Financial Group LLC2284 San Pablo Ave #101, Pinole, CA 94564, USA | 5.0★ | 7 |
| #10 | Musa Financial2646 Appian Way #31, Pinole, CA 94564, USA | 5.0★ | 10 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Richmond
This business has not yet received any Google reviews or ratings.
3150 Hilltop Mall Rd Suite 6, Richmond, CA 94806, USA
Trusted by clients with a perfect 5.0-star rating from 45 Google reviews.
12553 San Pablo Ave, Richmond, CA 94805, USA
Boasts a flawless 5.0-star rating from 24 Google reviews in Richmond, CA.
3260 Blume Dr #405, Richmond, CA 94806, USA
A local mortgage broker with a flawless 5.0-star rating from 7 Google reviews.
3260 Blume Dr #410B, Richmond, CA 94806, USA
A solid 4.2-star rating from 5 Google reviews for local mortgage guidance.
3260 Blume Dr # 410, Richmond, CA 94806, USA
Top-rated mortgage broker in Richmond with a perfect 5.0-star score from 7 reviews.
2284 San Pablo Ave #101, Pinole, CA 94564, USA
A trusted local lender with a perfect 5.0-star rating from 10 reviews.
2646 Appian Way #31, Pinole, CA 94564, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Richmond, CA.
Mortgage Brokers in Richmond, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Newfi Lending | 77/100 | 4.4 ★ | 211 |
| 2 | HomeLoans by Evelyn Chong | 81/100 | 5.0 ★ | 61 |
| 3 | Janice Carroll - Barrett Financial Group | 80/100 | 5.0 ★ | 51 |
| 4 | Classique Mortgage | 3/100 | — | 0 |
| 5 | Griselda's Ledesma Mortgage Team | 79/100 | 5.0 ★ | 45 |
| 6 | American Financial Network, Inc. | 76/100 | 5.0 ★ | 24 |
| 7 | AmeriVerse Reverse Mortgage | 70/100 | 5.0 ★ | 7 |
| 8 | Jadestone Mortgage, Inc. | 54/100 | 4.2 ★ | 5 |
| 9 | Edward Carroll | Mortgage Broker | MLO 1037433 | Barrett Financial Group LLC | 70/100 | 5.0 ★ | 7 |
| 10 | Musa Financial | 71/100 | 5.0 ★ | 10 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
Get your business on AI — ChatGPT, Perplexity & Google AI
AI assistants increasingly recommend local mortgage brokers straight from RatingsNearMe. Claim your spot in Richmond to get featured in AI answers, comparison tables, and “best near me” results — where customers are actually searching now.
Frequently Asked Questions — Mortgage Brokers in Richmond
What does a mortgage broker do differently than going directly to a bank in Richmond?
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 Richmond?
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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.
More Home Services in Richmond
Related Searches
More ways to find mortgage brokers in Richmond
Mortgage Brokers in nearby cities