Pricing Guide · San Mateo
Mortgage Brokers Cost in San Mateo, CA — 2026 Price Guide
What should you pay for mortgage brokers in San Mateo? See real 2026 price ranges from local pros and get free quotes to compare.
As of May 2026, RatingsNearMe ranks 14 mortgage brokers in San Mateo, CA by verified customer ratings and review volume. The highest-rated is Premier Lending, Inc with a 4.9-star rating from 311 verified reviews. Also in the top tier: Alberto Zamudio Home Loan Consultant. NMLS #282940 and Joanne Shen. The average rating across all listed mortgage brokers in San Mateo is 4.8 stars from 41 reviews per business on average.
Mortgage brokers in San Mateo: 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
14
Businesses listed
4.8★
Avg rating
41
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Premier Lending, Inc
1199 Howard Ave #200, Burlingame, CA 94010, USA
Alberto Zamudio Home Loan Consultant. NMLS #282940
800 Airport Blvd. #417, Burlingame, CA 94010, USA
Joanne Shen
1350 Old Bayshore Hwy #740, Burlingame, CA 94010, USA
Mortgage Brokers Rankings in San Mateo, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Premier Lending, Inc1199 Howard Ave #200, Burlingame, CA 94010, USA | 4.9★ | 311 |
| #2 | Alberto Zamudio Home Loan Consultant. NMLS #282940800 Airport Blvd. #417, Burlingame, CA 94010, USA | 5.0★ | 47 |
| #3 | Joanne Shen1350 Old Bayshore Hwy #740, Burlingame, CA 94010, USA | 4.9★ | 45 |
| #4 | Mortgage Services181 2nd Ave, San Mateo, CA 94401, USA | 5.0★ | 1 |
| #5 | Kai W. Deardorff - Realtor & Mortgage Broker1650 Borel Pl Suite 200, San Mateo, CA 94402, USA | 5.0★ | 14 |
| #6 | Ascend Mortgage3 E 3rd Ave, San Mateo, CA 94401, USA | 5.0★ | 6 |
| #7 | Emerson Financial675 Mariners Island Blvd STE 107, San Mateo, CA 94404, USA | 5.0★ | 10 |
| #8 | Sean Kameli @ Supreme Lending - NMLS #633285Supreme Lending, 1810 Gateway Dr # 115, San Mateo, CA 94402, USA | 5.0★ | 26 |
| #9 | Action Residential Mortgage + Property Management1466 Bellevue Ave #27, Burlingame, CA 94010, USA | 5.0★ | 22 |
| #10 | California Real Estate Loans851 Burlway Rd Suite 511, Burlingame, CA 94010, USA | 5.0★ | 33 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in San Mateo
Mortgage Services
181 2nd Ave, San Mateo, CA 94401, USA
Kai W. Deardorff - Realtor & Mortgage Broker
1650 Borel Pl Suite 200, San Mateo, CA 94402, USA
Ascend Mortgage
3 E 3rd Ave, San Mateo, CA 94401, USA
Emerson Financial
675 Mariners Island Blvd STE 107, San Mateo, CA 94404, USA
Sean Kameli @ Supreme Lending - NMLS #633285
Supreme Lending, 1810 Gateway Dr # 115, San Mateo, CA 94402, USA
Action Residential Mortgage + Property Management
1466 Bellevue Ave #27, Burlingame, CA 94010, USA
California Real Estate Loans
851 Burlway Rd Suite 511, Burlingame, CA 94010, USA
Supreme Lending - Scott Eaton
1810 Gateway Dr #230, San Mateo, CA 94404, USA
Commercial Mortgage Corporation
1670 S Amphlett Blvd # 214, San Mateo, CA 94402, USA
Redwood Mortgage
177 Bovet Rd #520, San Mateo, CA 94401, USA
Phil Caulfield
800 Airport Blvd. #417, Burlingame, CA 94010, USA
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Frequently Asked Questions — Mortgage Brokers in San Mateo
What does a mortgage broker do differently than going directly to a bank in San Mateo?
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 Mateo?
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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