Highest Rated · Woodland
Top-Rated Mortgage Brokers in Woodland, CA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
As of May 2026, RatingsNearMe ranks 18 mortgage brokers in Woodland, CA by verified customer ratings and review volume. The highest-rated is Jose Sahagun-Loan Officer-Vault Mortgage with a 5.0-star rating from 200 verified reviews. 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 May 17, 2026 · Scored by 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
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Jose Sahagun-Loan Officer-Vault Mortgage
413 W Yosemite Ave Suite #106B, Madera, CA 93637, USA
Susan Spann - PrimeLending Woodland Mortgage Lender
1100 Main St #320, Woodland, CA 95695, USA
PrimeLending, A PlainsCapital Company - Woodland CA
1100 Main St #320, Woodland, CA 95695, USA
Mortgage 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 | Chase Home Lending304 Main St, Woodland, CA 95695, USA | 5.0★ | 1 |
| #5 | Anna Medina at Rate (NMLS #453503)433 Second St #100b, Woodland, CA 95695, USA | 5.0★ | 4 |
| #6 | Adriana Lopez at Rate (NMLS #708428)433 Second St #100b, Woodland, CA 95695, USA | 5.0★ | 4 |
| #7 | Envoy Mortgage - Woodland, CA (West)296 W Main St Suite 100, Woodland, CA 95695, USA | 5.0★ | 23 |
| #8 | Omega Realty & Lending, Inc.22201 Ventura Blvd #201, Woodland Hills, CA 91364, USA | 5.0★ | 19 |
| #9 | Angie Mata-Ramirez - PrimeLending: Woodland Mortgage Lender1100 Main St #320, Woodland, CA 95695, USA | 4.4★ | 7 |
| #10 | Rate433 Second St #100b, Woodland, CA 95695, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Woodland
Anna Medina at Rate (NMLS #453503)
433 Second St #100b, Woodland, CA 95695, USA
Adriana Lopez at Rate (NMLS #708428)
433 Second St #100b, Woodland, CA 95695, USA
Envoy Mortgage - Woodland, CA (West)
296 W Main St Suite 100, Woodland, CA 95695, USA
Omega Realty & Lending, Inc.
22201 Ventura Blvd #201, Woodland Hills, CA 91364, USA
Angie Mata-Ramirez - PrimeLending: Woodland Mortgage Lender
1100 Main St #320, Woodland, CA 95695, USA
Juliana Garcia, Mortgage Loans with Juliana | Xpert Home Lending
707 Dead Cat Alley #202, Woodland, CA 95695, USA
Jenni Jacobs Garcia | Fairway Independent Mortgage Corporation Loan Officer
283 Main St Suite 180, Woodland, CA 95695, USA
Woodland Hills Mortgage Broker
22935 Ventura Blvd #201, Woodland Hills, CA 91364, USA
Finance of America Mortgage LLC
119 Court St Suite G, Woodland, CA 95695, USA
FIRST CAPITAL FUNDING
23241 Ventura Blvd # 308, Woodland Hills, CA 91364, USA
Woodland Hills Mortgage Corporation
21777 Ventura Blvd #211, Woodland Hills, CA 91364, USA
PrimeLending, A PlainsCapital Company - Walnut Creek
101 Ygnacio Valley Rd #203, Walnut Creek, CA 94596, USA
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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: May 17, 2026.
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