Licensed · Roseville
Licensed & Insured Mortgage Brokers in Roseville, CA
Every mortgage brokers listed here carries proper licensing and insurance in CA. Protect yourself — always verify credentials before work begins.
As of May 2026, RatingsNearMe ranks 19 mortgage brokers in Roseville, CA by verified customer ratings and review volume. The highest-rated is Better Rate Mortgage, Inc. with a 5.0-star rating from 306 verified reviews. Also in the top tier: Lennar Mortgage, LLC Sacramento and Direct Realty & Mortgage. The average rating across all listed mortgage brokers in Roseville is 5 stars from 114 reviews per business on average.
Mortgage brokers in Roseville: 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
19
Businesses listed
5★
Avg rating
114
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Better Rate Mortgage, Inc.
2998 Douglas Blvd Suite 325, Roseville, CA 95661, USA
Lennar Mortgage, LLC Sacramento
2251 Douglas Blvd Suite 190, Roseville, CA 95661, USA
Direct Realty & Mortgage
1382 Blue Oaks Blvd Ste 270, Roseville, CA 95678, USA
Mortgage Brokers Rankings in Roseville, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Better Rate Mortgage, Inc.2998 Douglas Blvd Suite 325, Roseville, CA 95661, USA | 5.0★ | 306 |
| #2 | Lennar Mortgage, LLC Sacramento2251 Douglas Blvd Suite 190, Roseville, CA 95661, USA | 4.9★ | 265 |
| #3 | Direct Realty & Mortgage1382 Blue Oaks Blvd Ste 270, Roseville, CA 95678, USA | 4.9★ | 154 |
| #4 | Ben Karimi- Mortgage Loan Officer1382 Blue Oaks Blvd Ste 270, Roseville, CA 95678, USA | 5.0★ | 103 |
| #5 | Katie Pastor Trinidad, Sr. Mortgage Lender NMLS #8856541687 Eureka Rd #100, Roseville, CA 95661, USA | 5.0★ | 115 |
| #6 | Vivian Tran - Nation Wholesale Lending920 Reserve Dr Suite 120, Roseville, CA 95678, USA | 5.0★ | 16 |
| #7 | Loan City Mortgage2251 Douglas Blvd #100, Roseville, CA 95661, USA | 5.0★ | 60 |
| #8 | Rocklin Mortgage Brokers - Marissa Knasko5800 Stanford Ranch Rd STE 300, Rocklin, CA 95765, USA | 5.0★ | 60 |
| #9 | Nation Wholesale Lending920 Reserve Dr Suite 120, Roseville, CA 95678, USA | 4.9★ | 46 |
| #10 | Kyle Nicholas McCray - Top Rated Advisor3000 Lava Ridge Ct # 100, Roseville, CA 95661, USA | 5.0★ | 155 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Roseville
Ben Karimi- Mortgage Loan Officer
1382 Blue Oaks Blvd Ste 270, Roseville, CA 95678, USA
Katie Pastor Trinidad, Sr. Mortgage Lender NMLS #885654
1687 Eureka Rd #100, Roseville, CA 95661, USA
Vivian Tran - Nation Wholesale Lending
920 Reserve Dr Suite 120, Roseville, CA 95678, USA
Loan City Mortgage
2251 Douglas Blvd #100, Roseville, CA 95661, USA
Rocklin Mortgage Brokers - Marissa Knasko
5800 Stanford Ranch Rd STE 300, Rocklin, CA 95765, USA
Nation Wholesale Lending
920 Reserve Dr Suite 120, Roseville, CA 95678, USA
Kyle Nicholas McCray - Top Rated Advisor
3000 Lava Ridge Ct # 100, Roseville, CA 95661, USA
Paul Bozek | Unified Home Loans
2270 Douglas Blvd Ste 215, Roseville, CA 95661, USA
Green Mortgage Solutions
6085 Douglas Blvd #500, Granite Bay, CA 95746, USA
NuVision Lending
1731 E Roseville Pkwy #140, Roseville, CA 95661, USA
Ryan Delfs-Mortgage Broker
6085 Douglas Blvd #500, Granite Bay, CA 95746, USA
JJ Mack Team - American Pacific Mortgage
2237 Douglas Blvd #100, Roseville, CA 95661, USA
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Frequently Asked Questions — Mortgage Brokers in Roseville
What does a mortgage broker do differently than going directly to a bank in Roseville?
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 Roseville?
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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