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Real Reviews · Winters
Top-Reviewed Mortgage Brokers in Winters, CA
What are customers actually saying? Read verified reviews for mortgage brokers in Winters — every rating is from a real customer.
As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Winters, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is C2 Financial Corp/Steve Oka with a 5.0-star rating from 6 Google reviews and an RNM Score of 81/100. Also in the top tier: Joe Rapisarda Mortgage and Pacific Community Lender, Inc. Nmls#1322440. The average rating across all listed mortgage brokers in Winters is 5 stars from 41 reviews per business on average.
Mortgage brokers in Winters: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
5★
Avg rating
41
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Earns a perfect 5.0-star rating from 6 local Google reviews.
2050 Lyndell Terrace STE 220, Davis, CA 95616, USARated 5.0 stars by 31 Google reviewers, this Vacaville mortgage broker is highly trusted.
Pacific Community Lender, 190 S Orchard Ave ste b-115, Vacaville, CA 95688, USARated 5.0 stars from 36 Google reviews, this Vacaville mortgage broker is highly trusted.
190 S Orchard Ave, Vacaville, CA 95688, USAMortgage Brokers Rankings in Winters, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | C2 Financial Corp/Steve Oka2050 Lyndell Terrace STE 220, Davis, CA 95616, USA | 5.0★ | 6 |
| #2 | Joe Rapisarda MortgagePacific Community Lender, 190 S Orchard Ave ste b-115, Vacaville, CA 95688, USA | 5.0★ | 31 |
| #3 | Pacific Community Lender, Inc. Nmls#1322440190 S Orchard Ave, Vacaville, CA 95688, USA | 5.0★ | 36 |
| #4 | Mortgage Masters of California338 Cernon St, Vacaville, CA 95688, USA | 5.0★ | 67 |
| #5 | Christopher Marusich Mortgage Broker - Mortgage Masters of California338 Cernon St, Vacaville, CA 95688, USA | 5.0★ | 42 |
| #6 | Dream Team Lending - Loli & Alix338 Cernon St, Vacaville, CA 95688, USA | 5.0★ | 91 |
| #7 | Mason-McDuffie Mortgage Corporation401 Davis St Suite B, Vacaville, CA 95688, USA | 5.0★ | 102 |
| #8 | Debbie Sundlie401 Davis St Suite B, Vacaville, CA 95687, USA | 5.0★ | 103 |
| #9 | Guild Mortgage Company506 Merchant St Suite A, Vacaville, CA 95688, USA | 5.0★ | 1 |
| #10 | Guild Mortgage - Bianca Velasco506 Merchant St Suite A, Vacaville, CA 95688, USA | 5.0★ | 21 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Winters
Vacaville mortgage broker with a perfect 5.0-star rating from 67 reviews.
338 Cernon St, Vacaville, CA 95688, USA
Rated 5.0 stars from 42 Google reviews, this Vacaville mortgage broker is highly trusted.
338 Cernon St, Vacaville, CA 95688, USA
Exceptional 5.0-star rating from 91 Google reviews for mortgage help in Vacaville.
338 Cernon St, Vacaville, CA 95688, USA
Hundreds of reviews average a perfect 5.0-star rating for this Vacaville mortgage broker.
401 Davis St Suite B, Vacaville, CA 95688, USA
Exceptional 5.0-star rating from over 100 Google reviews for a Vacaville mortgage broker.
401 Davis St Suite B, Vacaville, CA 95687, USA
Exceptional 5.0-star rating from early Google reviews in Vacaville.
506 Merchant St Suite A, Vacaville, CA 95688, USA
5.0-star rating from 21 Google reviews, reflecting exceptional client satisfaction.
506 Merchant St Suite A, Vacaville, CA 95688, USA
Rated 5.0 stars from 17 Google reviews, this Vacaville mortgage broker is highly trusted.
506 Merchant St Suite A, Vacaville, CA 95688, USA
Rated 5.0 stars from 54 Google reviews for reliable mortgage guidance.
506 Merchant St Suite A, Vacaville, CA 95688, USA
Exceptional 5.0-star rating from 5 Google reviews for a Vacaville mortgage broker.
525 Merchant St, Vacaville, CA 95688, USA
Rated 5.0 stars from over 50 Google reviews in Vacaville.
630 Davis St Suite 200, Vacaville, CA 95688, USA
Rated 5.0 stars from 6 Google reviews, a trusted local mortgage broker.
707 Merchant St, Vacaville, CA 95688, USA
Vacaville mortgage broker with a perfect 5.0 rating from over 120 reviews.
785 Alamo Dr #120, Vacaville, CA 95688, USA
Trusted by Vacaville homeowners with a flawless 5.0★ rating from 33 reviews.
795 Alamo Dr, Vacaville, CA 95688, USA
Exceptional 5.0-star rating from 13 Google reviews for a Vacaville mortgage broker.
795 Alamo Dr #101, Vacaville, CA 95688, USA
Rated 5.0 stars from 12 Google reviews by local clients.
401 2nd St, Davis, CA 95616, USA
5.0-star rating from 3 Google reviews.
404 2nd St, Davis, CA 95616, USA
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Mortgage Brokers in Winters, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | C2 Financial Corp/Steve Oka | 81/100 | 5.0 ★ | 6 |
| 2 | Joe Rapisarda Mortgage | 89/100 | 5.0 ★ | 31 |
| 3 | Pacific Community Lender, Inc. Nmls#1322440 | 81/100 | 5.0 ★ | 36 |
| 4 | Mortgage Masters of California | 93/100 | 5.0 ★ | 67 |
| 5 | Christopher Marusich Mortgage Broker - Mortgage Masters of California | 90/100 | 5.0 ★ | 42 |
| 6 | Dream Team Lending - Loli & Alix | 95/100 | 5.0 ★ | 91 |
| 7 | Mason-McDuffie Mortgage Corporation | 95/100 | 5.0 ★ | 102 |
| 8 | Debbie Sundlie | 95/100 | 5.0 ★ | 103 |
| 9 | Guild Mortgage Company | 74/100 | 5.0 ★ | 1 |
| 10 | Guild Mortgage - Bianca Velasco | 87/100 | 5.0 ★ | 21 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Winters
What does a mortgage broker do differently than going directly to a bank in Winters?
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 Winters?
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: July 4, 2026.
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