Same Day · San Mateo
Same-Day Mortgage Brokers in San Mateo, CA
Can't wait a week? These mortgage brokers in San Mateo offer same-day or next-day appointments. Call now to check availability.
As of June 2026, RatingsNearMe ranks 14 mortgage brokers in San Mateo, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Premier Lending, Inc with a 4.9-star rating from 311 Google reviews and an RNM Score of 87/100. 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 June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Mortgage brokers in San Mateo, CA provide a range of home loan services to local consumers, including assistance with securing mortgages, refinancing, and commercial real estate financing. Consumers should research brokers' licensing, experience, and customer reviews when selecting a mortgage broker in the San Mateo area.
- ✓Mortgage brokers in San Mateo, CA assist with home loans and commercial real estate financing
- ✓Consumers should research brokers' licensing, experience, and customer reviews
- ✓Mortgage brokers can help navigate the home loan process in the San Mateo area
Best Overall
Sean Kameli @ Supreme Lending - NMLS #633285
Sean Kameli is consistently top-ranked for his expertise, client satisfaction, and strong local reputation in San Mateo.
Most Reviewed
Sean Kameli @ Supreme Lending - NMLS #633285
A high number of reviews indicates broad experience and trust from many past clients, helping you gauge reliability.
When choosing a mortgage broker in San Mateo, compare loan options and fees beyond just ratings, and consider getting pre-approved early to strengthen your offer in a competitive market.
How to Choose a Mortgage Broker in San Mateo
What to look for
- • Years of experience in the San Mateo, CA mortgage market
- • Strong local knowledge of lenders, loan programs, and real estate trends
- • Clear communication style and willingness to explain the process
- • Positive reviews and references from past clients
Questions to ask
- • How long have you been a mortgage broker in San Mateo?
- • What types of loan programs do you typically work with?
- • Can you provide references from recent clients in San Mateo?
Red flags
- ⚠ Unwillingness to provide licensing information or credentials
- ⚠ Unusually high fees or closing costs compared to industry standards
- ⚠ Pressure to use specific lenders or sign documents without review
In California, mortgage brokers must be licensed by the Department of Real Estate. Be sure to verify the broker's license and check for any disciplinary actions or complaints.
Local Market Snapshot
14
Businesses listed
4.8★
Avg rating
41
Avg reviews
Jun 9, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of clients, earning a stellar 4.9★ from 311 Google reviews.
1199 Howard Ave #200, Burlingame, CA 94010, USAMortgage 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 June 2026
All Mortgage Brokers in San Mateo
1650 Borel Pl Suite 200, San Mateo, CA 94402, USA
675 Mariners Island Blvd STE 107, San Mateo, CA 94404, USA
Supreme Lending, 1810 Gateway Dr # 115, San Mateo, CA 94402, USA
1466 Bellevue Ave #27, Burlingame, CA 94010, USA
851 Burlway Rd Suite 511, Burlingame, CA 94010, USA
1810 Gateway Dr #230, San Mateo, CA 94404, USA
1670 S Amphlett Blvd # 214, San Mateo, CA 94402, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in San Mateo, CA.
Mortgage Brokers in San Mateo, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Premier Lending, Inc | 87/100 | 4.9 ★ | 311 |
| 2 | Alberto Zamudio Home Loan Consultant. NMLS #282940 | 79/100 | 5.0 ★ | 47 |
| 3 | Joanne Shen | 77/100 | 4.9 ★ | 45 |
| 4 | Mortgage Services | 62/100 | 5.0 ★ | 1 |
| 5 | Kai W. Deardorff - Realtor & Mortgage Broker | 73/100 | 5.0 ★ | 14 |
| 6 | Ascend Mortgage | 69/100 | 5.0 ★ | 6 |
| 7 | Emerson Financial | 71/100 | 5.0 ★ | 10 |
| 8 | Sean Kameli @ Supreme Lending - NMLS #633285 | 76/100 | 5.0 ★ | 26 |
| 9 | Action Residential Mortgage + Property Management | 75/100 | 5.0 ★ | 22 |
| 10 | California Real Estate Loans | 77/100 | 5.0 ★ | 33 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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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: June 9, 2026.
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