Verified · Torrance
Trusted Mortgage Brokers in Torrance, CA
Trust matters when you're inviting a pro into your home or business. These mortgage brokers in Torrance have earned it through hundreds of verified reviews.
As of June 2026, RatingsNearMe ranks 19 mortgage brokers in Torrance, CA by verified customer ratings and review volume. The highest-rated is South Bay Equity Lending with a 5.0-star rating from 172 verified reviews. 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 1, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
50
Avg reviews
Jun 1, 2026
Last updated
Top Rated Mortgage Brokers
South Bay Equity Lending
1611 S Pacific Coast Hwy #102, Redondo Beach, CA 90277, USA
Thessy Onyenedum – Mortgage Loan Officer, Atesa Real Estate, Inc.
21151 S Western Ave Suite 255, Torrance, CA 90501, USA
Circadian Mortgage Brokers
30 Malaga Cove Plaza, Palos Verdes Estates, CA 90274, USA
Mortgage 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 | Harman Sudwal - Mortgage Director @ UNITED ONE MORTGAGE, TORRANCE22939 Hawthorne Blvd Suite 204, Torrance, CA 90505, USA | 5.0★ | 27 |
| #5 | Finance West Lending Inc24445 Hawthorne Blvd STE 201, Torrance, CA 90505, USA | 5.0★ | 46 |
| #6 | Henry Munoz - Real Estate Broker and Mortgage Loans21250 Hawthorne Blvd Suite 500, Torrance, CA 90503, USA | 5.0★ | 15 |
| #7 | South Bay Mortgage Brokers413 Vía Corta, Palos Verdes Estates, CA 90274, USA | 5.0★ | 37 |
| #8 | Craig Barton | CB Loans116 S Catalina Ave Suite 111, Redondo Beach, CA 90277, USA | 5.0★ | 37 |
| #9 | Anouheh Moghaddam Group (AMG) - Powered by Movement Mortgage23740 Hawthorne Blvd 2nd floor, Torrance, CA 90505, USA | 5.0★ | 68 |
| #10 | Cal Fed Mortgage24214 Hawthorne Blvd, Torrance, CA 90505, USA | 5.0★ | 66 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Torrance
Harman Sudwal - Mortgage Director @ UNITED ONE MORTGAGE, TORRANCE
22939 Hawthorne Blvd Suite 204, Torrance, CA 90505, USA
Finance West Lending Inc
24445 Hawthorne Blvd STE 201, Torrance, CA 90505, USA
Henry Munoz - Real Estate Broker and Mortgage Loans
21250 Hawthorne Blvd Suite 500, Torrance, CA 90503, USA
South Bay Mortgage Brokers
413 Vía Corta, Palos Verdes Estates, CA 90274, USA
Craig Barton | CB Loans
116 S Catalina Ave Suite 111, Redondo Beach, CA 90277, USA
Anouheh Moghaddam Group (AMG) - Powered by Movement Mortgage
23740 Hawthorne Blvd 2nd floor, Torrance, CA 90505, USA
Cal Fed Mortgage
24214 Hawthorne Blvd, Torrance, CA 90505, USA
Athena Paquette, Mortgage Advisor
21250 Hawthorne Blvd 5th Floor, Torrance, CA 90503, USA
Fernando Diaz
2780 Skypark Dr Suite 210, Office 207, Torrance, CA 90505, USA
Mortgage America
18726 S Western Ave #406, Gardena, CA 90248, USA
S.O.S. Loans, Inc.
3655 Torrance Blvd # 460, Torrance, CA 90503, USA
Union Home Mortgage - Torrance
21221 S Western Ave Suite 1013 & 1015, Torrance, CA 90501, USA
SSK Mortgage
234 S Guadalupe Ave UNIT B, Redondo Beach, CA 90277, USA
Redondo Mortgage Center
2304 Artesia Blvd, Redondo Beach, CA 90278, USA
Blue Vista Mortgage
18321 S Western Ave # J, Gardena, CA 90248, USA
Pacific Mortgage Real Estate and Financing Company
25500 Hawthorne Blvd #2230, Torrance, CA 90505, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Torrance, CA.
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.
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: June 1, 2026.
More Home Services in Torrance
Related Searches
More ways to find mortgage brokers in Torrance
Mortgage Brokers in nearby cities