24/7 Available · West Covina
24-Hour Mortgage Brokers in West Covina, CA — Always Available
Emergencies don't keep business hours. These mortgage brokers in West Covina are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 19 mortgage brokers in West Covina, CA by verified customer ratings and review volume. The highest-rated is Super Mortgage Bros with a 5.0-star rating from 215 verified reviews. Also in the top tier: David Martinez Mortgage Team and VirtuaLending. The average rating across all listed mortgage brokers in West Covina is 4.9 stars from 47 reviews per business on average.
Mortgage brokers in West Covina: 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
19
Businesses listed
4.9★
Avg rating
47
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Super Mortgage Bros
1900 W Garvey Ave S #100, West Covina, CA 91790, USA
David Martinez Mortgage Team
100 N Citrus St #638, West Covina, CA 91791, USA
VirtuaLending
1161 Park View Dr Suite 210, Covina, CA 91724, USA
Mortgage Brokers Rankings in West Covina, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Super Mortgage Bros1900 W Garvey Ave S #100, West Covina, CA 91790, USA | 5.0★ | 215 |
| #2 | David Martinez Mortgage Team100 N Citrus St #638, West Covina, CA 91791, USA | 5.0★ | 179 |
| #3 | VirtuaLending1161 Park View Dr Suite 210, Covina, CA 91724, USA | 4.7★ | 131 |
| #4 | AQHL Bancorp DBA Prime Equity Mortgage100 N Citrus St #638, West Covina, CA 91791, USA | 5.0★ | 27 |
| #5 | California Mortgage Brokers Inc.150 N Grand Ave Ste 204, West Covina, CA 91791, USA | 5.0★ | 5 |
| #6 | GM Brokerage Home Loans150 N Grand Ave #208, West Covina, CA 91791, USA | 5.0★ | 66 |
| #7 | Jesse Rivera, Loan Officer104 S Glendora Ave, West Covina, CA 91790, USA | 5.0★ | 25 |
| #8 | CrossCountry Mortgage, LLC100 N Citrus St Suite 340, West Covina, CA 91791, USA | 5.0★ | 31 |
| #9 | 1st American Mortgage Corporation100 Barranca Ave 7TH FLOOR, West Covina, CA 91791, USA | 5.0★ | 13 |
| #10 | Citrus Group Home Loans1074 Park View Dr #105, Covina, CA 91724, USA | 5.0★ | 7 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in West Covina
AQHL Bancorp DBA Prime Equity Mortgage
100 N Citrus St #638, West Covina, CA 91791, USA
California Mortgage Brokers Inc.
150 N Grand Ave Ste 204, West Covina, CA 91791, USA
GM Brokerage Home Loans
150 N Grand Ave #208, West Covina, CA 91791, USA
Jesse Rivera, Loan Officer
104 S Glendora Ave, West Covina, CA 91790, USA
CrossCountry Mortgage, LLC
100 N Citrus St Suite 340, West Covina, CA 91791, USA
1st American Mortgage Corporation
100 Barranca Ave 7TH FLOOR, West Covina, CA 91791, USA
Citrus Group Home Loans
1074 Park View Dr #105, Covina, CA 91724, USA
Luis & Steven- Real Estate Services
104 S Glendora Ave, West Covina, CA 91790, USA
Team Carlos Flores, Mortgage Advisor MLO 238306
100 N Citrus St Suite 340, West Covina, CA 91791, USA
Estates & Rates
330 E Rowland St, Covina, CA 91723, USA
Ernesto Garcia - Elite Fundings
550 E Badillo St, Covina, CA 91724, USA
O1NE MORTGAGE INC
1906 W Garvey Ave S #200, West Covina, CA 91790, USA
Crossroads Mortgage Team- Guild Mortgage
211 S Citrus Ave Unit 11 & 12, Covina, CA 91723, USA
Jerry Torres' Team | Mortgage Lender & Broker | Hacienda Heights, CA
226Q+25, 15852 Gale Ave, Hacienda Heights, CA 91745, USA
Abraham Piña - Coldwell Banker Leaders
450 S Glendora Ave #103-104, West Covina, CA 91790, USA
Team John Young - Nexa Mortgage
1004 W Covina Pkwy, West Covina, CA 91790, USA
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Frequently Asked Questions — Mortgage Brokers in West Covina
What does a mortgage broker do differently than going directly to a bank in West Covina?
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 West Covina?
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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