Best Value · Torrance
Affordable Mortgage Brokers in Torrance, CA
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As of June 2026, RatingsNearMe ranks 19 mortgage brokers in Torrance, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is South Bay Equity Lending with a 5.0-star rating from 172 Google reviews and an RNM Score of 86/100. Also in the top tier: Thessy Onyenedum – Mortgage Loan Officer, Atesa Real Estate, Inc. and Circadian Mortgage Brokers. The average rating across all listed mortgage brokers in Torrance is 5 stars from 50 reviews per business on average.
Mortgage brokers in Torrance: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Torrance, CA is home to a variety of mortgage brokers who can assist consumers with securing home loans. When searching for a mortgage broker locally, consumers should consider factors such as experience, customer reviews, and the range of loan products offered.
- ✓Torrance, CA has multiple mortgage brokers serving the local community
- ✓Mortgage brokers can help consumers navigate the home loan process and find the best financing options
- ✓Consumers should research factors like broker experience, customer reviews, and loan product selection when choosing a local mortgage broker
How to Choose a Mortgage Broker in Torrance
What to look for
- • Mortgage brokers with experience working in the Torrance, CA market
- • Brokers who are licensed and in good standing with the California Bureau of Real Estate
- • Brokers who can provide references from past clients in Torrance
- • Brokers who are transparent about their fees and commission structure
Questions to ask
- • How long have you been a mortgage broker in Torrance?
- • What types of loan programs do you typically work with for Torrance homebuyers?
- • Can you provide me with a list of your recent client references in Torrance?
Red flags
- ⚠ Brokers who are not licensed or have disciplinary actions against their license
- ⚠ Brokers who are not upfront about their fees or try to hide the total cost of their services
- ⚠ Brokers who do not have a good understanding of the Torrance real estate market
In California, mortgage brokers must be licensed by the Bureau of Real Estate. It's important to verify a broker's license and check for any disciplinary actions or complaints before hiring them.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
50
Avg reviews
Jun 10, 2026
Last updated
Top Rated Mortgage Brokers
Recognized for a perfect 5.0-star rating from over 170 Google reviews.
1611 S Pacific Coast Hwy #102, Redondo Beach, CA 90277, USA5.0-star rating from 153 Google reviews for this trusted Torrance mortgage broker.
21151 S Western Ave Suite 255, Torrance, CA 90501, USA5.0-star mortgage broker with 95 Google reviews serving Torrance clients.
30 Malaga Cove Plaza, Palos Verdes Estates, CA 90274, USAMortgage Brokers Rankings in Torrance, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | South Bay Equity Lending1611 S Pacific Coast Hwy #102, Redondo Beach, CA 90277, USA | 5.0★ | 172 |
| #2 | Thessy Onyenedum – Mortgage Loan Officer, Atesa Real Estate, Inc.21151 S Western Ave Suite 255, Torrance, CA 90501, USA | 5.0★ | 153 |
| #3 | Circadian Mortgage Brokers30 Malaga Cove Plaza, Palos Verdes Estates, CA 90274, USA | 5.0★ | 95 |
| #4 | Craig Barton | CB Loans116 S Catalina Ave Suite 111, Redondo Beach, CA 90277, USA | 5.0★ | 37 |
| #5 | Fernando Diaz2780 Skypark Dr Suite 210, Office 207, Torrance, CA 90505, USA | 5.0★ | 37 |
| #6 | Finance West Lending Inc24445 Hawthorne Blvd STE 201, Torrance, CA 90505, USA | 5.0★ | 46 |
| #7 | Anouheh Moghaddam Group (AMG) - Powered by Movement Mortgage23740 Hawthorne Blvd 2nd floor, Torrance, CA 90505, USA | 5.0★ | 68 |
| #8 | Cal Fed Mortgage24214 Hawthorne Blvd, Torrance, CA 90505, USA | 5.0★ | 66 |
| #9 | Athena Paquette, Mortgage Advisor21250 Hawthorne Blvd 5th Floor, Torrance, CA 90503, USA | 5.0★ | 29 |
| #10 | Henry Munoz - Real Estate Broker and Mortgage Loans21250 Hawthorne Blvd Suite 500, Torrance, CA 90503, USA | 5.0★ | 15 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Torrance
Torrance mortgage broker with a perfect 5.0★ rating from 37 Google reviews.
116 S Catalina Ave Suite 111, Redondo Beach, CA 90277, USA
Torrance mortgage broker with a flawless 5.0★ rating from 37 Google reviews.
2780 Skypark Dr Suite 210, Office 207, Torrance, CA 90505, USA
Rated 5.0 stars from 46 Google reviews in Torrance.
24445 Hawthorne Blvd STE 201, Torrance, CA 90505, USA
Torrance mortgage broker with a perfect 5.0-star rating from 68 Google reviews.
23740 Hawthorne Blvd 2nd floor, Torrance, CA 90505, USA
Trusted Torrance mortgage broker with a perfect 5.0-star rating from 66 reviews.
24214 Hawthorne Blvd, Torrance, CA 90505, USA
Trusted locally with a perfect 5.0★ rating from 29 Google reviews.
21250 Hawthorne Blvd 5th Floor, Torrance, CA 90503, USA
5.0 stars from 15 reviews, reflecting exceptional client satisfaction in Torrance.
21250 Hawthorne Blvd Suite 500, Torrance, CA 90503, USA
21221 S Western Ave Suite 1013 & 1015, Torrance, CA 90501, USA
25500 Hawthorne Blvd #2230, Torrance, CA 90505, USA
Trusted Torrance mortgage broker with a 4.6★ rating from 27 reviews.
3655 Torrance Blvd # 460, Torrance, CA 90503, USA
Top-rated Torrance mortgage broker with a perfect 5.0-star score from 16 reviews.
234 S Guadalupe Ave UNIT B, Redondo Beach, CA 90277, USA
Top-rated Torrance mortgage broker with 4.8 stars from 55 client reviews.
18321 S Western Ave # J, Gardena, CA 90248, USA
Trusted by clients with a perfect 5.0-star rating from 37 reviews.
413 Vía Corta, Palos Verdes Estates, CA 90274, USA
5.0-star rating from 27 reviews, reflecting exceptional client satisfaction.
22939 Hawthorne Blvd Suite 204, Torrance, CA 90505, USA
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Mortgage Brokers in Torrance, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | South Bay Equity Lending | 86/100 | 5.0 ★ | 172 |
| 2 | Thessy Onyenedum – Mortgage Loan Officer, Atesa Real Estate, Inc. | 86/100 | 5.0 ★ | 153 |
| 3 | Circadian Mortgage Brokers | 83/100 | 5.0 ★ | 95 |
| 4 | Craig Barton | CB Loans | 78/100 | 5.0 ★ | 37 |
| 5 | Fernando Diaz | 78/100 | 5.0 ★ | 37 |
| 6 | Finance West Lending Inc | 79/100 | 5.0 ★ | 46 |
| 7 | Anouheh Moghaddam Group (AMG) - Powered by Movement Mortgage | 81/100 | 5.0 ★ | 68 |
| 8 | Cal Fed Mortgage | 81/100 | 5.0 ★ | 66 |
| 9 | Athena Paquette, Mortgage Advisor | 77/100 | 5.0 ★ | 29 |
| 10 | Henry Munoz - Real Estate Broker and Mortgage Loans | 73/100 | 5.0 ★ | 15 |
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 Torrance
What does a mortgage broker do differently than going directly to a bank in Torrance?
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 Torrance?
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 10, 2026.
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