Highest Rated · San Mateo
Top-Rated Mortgage Brokers in San Mateo, CA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
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
Get Free Quotes
We'll connect you with the top mortgage brokers in San Mateo, CA.
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.
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: May 17, 2026.
More Home Services in San Mateo
Related Searches
More ways to find mortgage brokers in San Mateo
Mortgage Brokers in nearby cities