Local Pros · San Jose
Local Mortgage Brokers in San Jose, CA
Locally owned and operated mortgage brokers serving San Jose and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 17 mortgage brokers in San Jose, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Loan Factory - We Dare You to Compare with a 5.0-star rating from 4,785 Google reviews and an RNM Score of 100/100. Also in the top tier: Googain and Wonder Rates. The average rating across all listed mortgage brokers in San Jose is 5 stars from 415 reviews per business on average.
Mortgage brokers in San Jose: 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
Todd Flesner | Strategic Mortgage Advisor – CrossCountry Mortgage
Todd Flesner stands out for his strong reputation as a top-ranked strategic mortgage advisor with a national lender, offering extensive experience and a broad range of loan products.
Most Reviewed
Todd Flesner | Strategic Mortgage Advisor – CrossCountry Mortgage
Having the highest number of reviews indicates a track record of service that many clients have taken the time to acknowledge, which can signal reliability and trustworthiness.
When choosing a mortgage broker in San Jose, compare not only rates but also the broker's responsiveness and familiarity with local market conditions. Reading recent reviews and asking for referrals can help ensure you find a trusted advisor for your home financing needs.
Local Market Snapshot
17
Businesses listed
5★
Avg rating
415
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars by over 4,700 Google reviewers.
2195 Tully Rd, San Jose, CA 95122, USATop-rated San Jose mortgage broker with
1288 Kifer Rd STE 208, Sunnyvale, CA 94086, USASan Jose mortgage broker with a 4.9-star rating from 256 reviews.
621 Tully Rd #125, San Jose, CA 95111, USAMortgage Brokers Rankings in San Jose, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Loan Factory - We Dare You to Compare2195 Tully Rd, San Jose, CA 95122, USA | 5.0★ | 4,785 |
| #2 | Googain1288 Kifer Rd STE 208, Sunnyvale, CA 94086, USA | 5.0★ | 945 |
| #3 | Wonder Rates621 Tully Rd #125, San Jose, CA 95111, USA | 4.9★ | 256 |
| #4 | Jason Shi2051 Junction Ave STE 237, San Jose, CA 95131, USA | 5.0★ | 48 |
| #5 | Help U Lend2268 Senter Rd Suite 166A, San Jose, CA 95112, USA | 5.0★ | 39 |
| #6 | Mortgage Magic1625 The Alameda UNIT 310, San Jose, CA 95126, USA | 5.0★ | 23 |
| #7 | Rosie Hong Pham - Mortgage Loan Officer621 Tully Rd #125, San Jose, CA 95111, USA | 4.9★ | 28 |
| #8 | Stephen Wong - Bayone Reic1754 Technology Dr STE 108, San Jose, CA 95110, USA | 4.7★ | 24 |
| #9 | Bobby Saadieh - Mortgage Loan Officer - Loan Depot17500 Depot St, Morgan Hill, CA 95037, USA | 5.0★ | 88 |
| #10 | Chris Johnson - Assoc. Broker for Affinity Mortgage NMLS #2350722542 S Bascom Ave STE 185, Campbell, CA 95008, USA | 5.0★ | 68 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in San Jose
5.0 stars from 48 Google reviews, reflecting exceptional client service.
2051 Junction Ave STE 237, San Jose, CA 95131, USA
Rated 5.0 stars from 39 Google reviews, a trusted San Jose mortgage broker.
2268 Senter Rd Suite 166A, San Jose, CA 95112, USA
5.0 stars from 23 reviews, reflecting exceptional client satisfaction in San Jose.
1625 The Alameda UNIT 310, San Jose, CA 95126, USA
Rated 4.9 stars from 28 Google reviews, this San Jose mortgage broker is highly trusted.
621 Tully Rd #125, San Jose, CA 95111, USA
Top-rated San Jose mortgage broker with a 4.7★ average from 24 customer reviews.
1754 Technology Dr STE 108, San Jose, CA 95110, USA
Top-rated San Jose mortgage broker with a perfect 5.0-star score from 88 Google reviews.
17500 Depot St, Morgan Hill, CA 95037, USA
San Jose mortgage broker with a perfect 5.0★ rating from 68 reviews.
2542 S Bascom Ave STE 185, Campbell, CA 95008, USA
5.0-star rating from 18 Google reviews in San Jose.
99 S Almaden Blvd #600, San Jose, CA 95113, USA
Top-rated San Jose mortgage broker with a perfect 5.0-star score from 14 reviews.
1080 Minnesota Ave Ste 1, San Jose, CA 95125, USA
San Jose mortgage broker with a 4.9★ rating from 145 Google reviews.
200 N Almaden Blvd Suite 200, San Jose, CA 95110, USA
Rated 5.0 stars from 91 Google reviews, this San Jose mortgage broker is highly trusted.
2111 W March Ln # B200, Stockton, CA 95207, USA
Earned a 4.9-star rating from 276 Google reviews, reflecting exceptional client satisfaction.
4100 Moorpark Ave #221, San Jose, CA 95117, USA
5.0-star rating from over 128 Google reviews in San Jose.
4880 Stevens Creek Blvd # 200, San Jose, CA 95129, USA
Rated 4.9 stars from 77 reviews, this San Jose mortgage broker is highly trusted.
2114 Senter Rd STE 11, San Jose, CA 95112, USA
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Mortgage Brokers in San Jose, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Loan Factory - We Dare You to Compare | 100/100 | 5.0 ★ | 4,785 |
| 2 | Googain | 88/100 | 5.0 ★ | 945 |
| 3 | Wonder Rates | 98/100 | 4.9 ★ | 256 |
| 4 | Jason Shi | 79/100 | 5.0 ★ | 48 |
| 5 | Help U Lend | 78/100 | 5.0 ★ | 39 |
| 6 | Mortgage Magic | 76/100 | 5.0 ★ | 23 |
| 7 | Rosie Hong Pham - Mortgage Loan Officer | 78/100 | 4.9 ★ | 28 |
| 8 | Stephen Wong - Bayone Reic | 71/100 | 4.7 ★ | 24 |
| 9 | Bobby Saadieh - Mortgage Loan Officer - Loan Depot | 94/100 | 5.0 ★ | 88 |
| 10 | Chris Johnson - Assoc. Broker for Affinity Mortgage NMLS #235072 | 93/100 | 5.0 ★ | 68 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in San Jose
What does a mortgage broker do differently than going directly to a bank in San Jose?
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 San Jose?
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: July 4, 2026.
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