Local Pros · Santa Ana
Local Mortgage Brokers in Santa Ana, CA
Locally owned and operated mortgage brokers serving Santa Ana and the surrounding area. Supporting local businesses means faster response and accountability.
As of May 2026, RatingsNearMe ranks 17 mortgage brokers in Santa Ana, CA by verified customer ratings and review volume. The highest-rated is Prime Mortgage with a 5.0-star rating from 693 verified reviews. Also in the top tier: New American Funding and E Mortgage Capital, Inc.. The average rating across all listed mortgage brokers in Santa Ana is 5 stars from 774 reviews per business on average.
Mortgage brokers in Santa Ana: 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
17
Businesses listed
5★
Avg rating
774
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Prime Mortgage
555 Anton Blvd suit 150, Costa Mesa, CA 92626, USA
New American Funding
1 MacArthur Pl #800, Santa Ana, CA 92707, USA
E Mortgage Capital, Inc.
3750 S Susan St, Santa Ana, CA 92704, USA
Mortgage Brokers Rankings in Santa Ana, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Prime Mortgage555 Anton Blvd suit 150, Costa Mesa, CA 92626, USA | 5.0★ | 693 |
| #2 | New American Funding1 MacArthur Pl #800, Santa Ana, CA 92707, USA | 4.9★ | 7,774 |
| #3 | E Mortgage Capital, Inc.3750 S Susan St, Santa Ana, CA 92704, USA | 4.7★ | 3,517 |
| #4 | Fast Action Mortgage, Inc.1851 E 1st St Suite 760, Santa Ana, CA 92705, USA | 4.9★ | 99 |
| #5 | Vanessa Schwartz - The Schwartz Group1805 E Garry Ave, Santa Ana, CA 92705, USA | 5.0★ | 46 |
| #6 | Peter Le Mortgage Consultant/Broker204 E 4th St STE A12, Santa Ana, CA 92701, USA | 5.0★ | 30 |
| #7 | Keith DeJohn, Mortgage Lender - A Professional Mortgage Experience1805 E Garry Ave, Santa Ana, CA 92705, USA | 5.0★ | 70 |
| #8 | Stahl Mortgage1611 S Joane Way, Santa Ana, CA 92704, USA | 5.0★ | 34 |
| #9 | Ryan Hrisca - Trust in the Beard6 Hutton Centre Dr Suite 1030, Santa Ana, CA 92707, USA | 5.0★ | 86 |
| #10 | Dat Loans - Everyday Lending Group - Arbor Financial1805 E Garry Ave, Santa Ana, CA 92705, USA | 5.0★ | 106 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Santa Ana
Fast Action Mortgage, Inc.
1851 E 1st St Suite 760, Santa Ana, CA 92705, USA
Vanessa Schwartz - The Schwartz Group
1805 E Garry Ave, Santa Ana, CA 92705, USA
Peter Le Mortgage Consultant/Broker
204 E 4th St STE A12, Santa Ana, CA 92701, USA
Keith DeJohn, Mortgage Lender - A Professional Mortgage Experience
1805 E Garry Ave, Santa Ana, CA 92705, USA
Stahl Mortgage
1611 S Joane Way, Santa Ana, CA 92704, USA
Ryan Hrisca - Trust in the Beard
6 Hutton Centre Dr Suite 1030, Santa Ana, CA 92707, USA
Dat Loans - Everyday Lending Group - Arbor Financial
1805 E Garry Ave, Santa Ana, CA 92705, USA
Jordan Saceda, Mortgage Broker
3750 S Susan St, Santa Ana, CA 92704, USA
New American Funding - Santa Ana, CA
215 N Main St, Santa Ana, CA 92701, USA
Evan Capowski - Sr. Loan Officer - E Mortgage Capital
3750 S Susan St, Santa Ana, CA 92704, USA
Arbor Financial Group: Jay Rodriguez, Mortgage Broker
1805 E Garry Ave, Santa Ana, CA 92705, USA
Lendia, Inc.
1907 Millwood St, Santa Ana, CA 92705, USA
LoanLock
6 Hutton Centre Dr Suite 1030, Santa Ana, CA 92707, USA
Jason Cope | Arbor Financial Group
2392 Daimler St, Santa Ana, CA 92705, USA
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Frequently Asked Questions — Mortgage Brokers in Santa Ana
What does a mortgage broker do differently than going directly to a bank in Santa Ana?
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 Santa Ana?
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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