Local Pros · Woodland
Local Mortgage Brokers in Woodland, CA
Locally owned and operated mortgage brokers serving Woodland and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 18 mortgage brokers in Woodland, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Jose Sahagun-Loan Officer-Vault Mortgage with a 5.0-star rating from 200 Google reviews and an RNM Score of 99/100. Also in the top tier: Susan Spann - PrimeLending Woodland Mortgage Lender and PrimeLending, A PlainsCapital Company - Woodland CA. The average rating across all listed mortgage brokers in Woodland is 4.9 stars from 36 reviews per business on average.
Mortgage brokers in Woodland: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
18
Businesses listed
4.9★
Avg rating
36
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of local clients with a perfect 5.0-star rating.
413 W Yosemite Ave Suite #106B, Madera, CA 93637, USAWoodland's top-rated mortgage broker with 4.9 stars from over 100 reviews.
1100 Main St #320, Woodland, CA 95695, USAWoodland's top-rated mortgage broker, with 4.9 stars from 47 glowing Google reviews.
1100 Main St #320, Woodland, CA 95695, USAMortgage Brokers Rankings in Woodland, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Jose Sahagun-Loan Officer-Vault Mortgage413 W Yosemite Ave Suite #106B, Madera, CA 93637, USA | 5.0★ | 200 |
| #2 | Susan Spann - PrimeLending Woodland Mortgage Lender1100 Main St #320, Woodland, CA 95695, USA | 4.9★ | 109 |
| #3 | PrimeLending, A PlainsCapital Company - Woodland CA1100 Main St #320, Woodland, CA 95695, USA | 4.9★ | 47 |
| #4 | PrimeLending, A PlainsCapital Company - Walnut Creek101 Ygnacio Valley Rd #203, Walnut Creek, CA 94596, USA | 4.9★ | 40 |
| #5 | Envoy Mortgage - Woodland, CA (West)296 W Main St Suite 100, Woodland, CA 95695, USA | 5.0★ | 23 |
| #6 | Juliana Garcia, Mortgage Loans with Juliana | Xpert Home Lending707 Dead Cat Alley #202, Woodland, CA 95695, USA | 5.0★ | 15 |
| #7 | Adriana Lopez at Rate (NMLS #708428)433 Second St #100b, Woodland, CA 95695, USA | 5.0★ | 4 |
| #8 | FIRST CAPITAL FUNDING23241 Ventura Blvd # 308, Woodland Hills, CA 91364, USA | 5.0★ | 2 |
| #9 | Chase Home Lending304 Main St, Woodland, CA 95695, USA | 5.0★ | 1 |
| #10 | Angie Mata-Ramirez - PrimeLending: Woodland Mortgage Lender1100 Main St #320, Woodland, CA 95695, USA | 4.4★ | 7 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Woodland
Woodland mortgage broker with a 4.9-star rating from over 40 Google reviews.
101 Ygnacio Valley Rd #203, Walnut Creek, CA 94596, USA
Woodland's top-rated mortgage broker with 23 perfect 5.0-star reviews from clients.
296 W Main St Suite 100, Woodland, CA 95695, USA
Consistently rated 5.0 stars from over a dozen local reviews.
707 Dead Cat Alley #202, Woodland, CA 95695, USA
Woodland mortgage broker with a perfect 5.0-star rating from 4 reviews.
433 Second St #100b, Woodland, CA 95695, USA
Praised for exceptional service with a perfect 5.0-star rating from customers.
23241 Ventura Blvd # 308, Woodland Hills, CA 91364, USA
Trusted Woodland mortgage broker with a perfect 5.0★ rating from clients.
304 Main St, Woodland, CA 95695, USA
Woodland mortgage broker with a solid 4.4-star rating from 7 Google reviews.
1100 Main St #320, Woodland, CA 95695, USA
This mortgage broker in Woodland, CA, has no customer reviews yet.
433 Second St #100b, Woodland, CA 95695, USA
Exceptional 5.0-star rating from multiple local reviews.
21777 Ventura Blvd #211, Woodland Hills, CA 91364, USA
A local mortgage broker in Woodland with no online reviews yet.
119 Court St Suite G, Woodland, CA 95695, USA
No Google reviews yet; check back for customer feedback on this Woodland mortgage broker.
283 Main St Suite 180, Woodland, CA 95695, USA
New to Google reviews; no ratings yet from customers in Woodland.
120 W Court St, Woodland, CA 95695, USA
No reviews yet; check back for customer feedback on this Woodland mortgage broker.
22935 Ventura Blvd #201, Woodland Hills, CA 91364, USA
Consistently rated 5.0 stars across 4 Google reviews from local clients.
433 Second St #100b, Woodland, CA 95695, USA
Trusted Woodland mortgage broker with perfect 5.0 stars from 19 reviews.
22201 Ventura Blvd #201, Woodland Hills, CA 91364, USA
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Mortgage Brokers in Woodland, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Jose Sahagun-Loan Officer-Vault Mortgage | 99/100 | 5.0 ★ | 200 |
| 2 | Susan Spann - PrimeLending Woodland Mortgage Lender | 94/100 | 4.9 ★ | 109 |
| 3 | PrimeLending, A PlainsCapital Company - Woodland CA | 89/100 | 4.9 ★ | 47 |
| 4 | PrimeLending, A PlainsCapital Company - Walnut Creek | 88/100 | 4.9 ★ | 40 |
| 5 | Envoy Mortgage - Woodland, CA (West) | 87/100 | 5.0 ★ | 23 |
| 6 | Juliana Garcia, Mortgage Loans with Juliana | Xpert Home Lending | 85/100 | 5.0 ★ | 15 |
| 7 | Adriana Lopez at Rate (NMLS #708428) | 79/100 | 5.0 ★ | 4 |
| 8 | FIRST CAPITAL FUNDING | 76/100 | 5.0 ★ | 2 |
| 9 | Chase Home Lending | 74/100 | 5.0 ★ | 1 |
| 10 | Angie Mata-Ramirez - PrimeLending: Woodland Mortgage Lender | 71/100 | 4.4 ★ | 7 |
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 Woodland
What does a mortgage broker do differently than going directly to a bank in Woodland?
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 Woodland?
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 5, 2026.
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