Top Picks · Chula Vista
Best Mortgage Brokers in Chula Vista, CA
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of July 2026, RatingsNearMe ranks 19 mortgage brokers in Chula Vista, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Andre Enriques Mortgage Banker - VA Loan Expert with a 5.0-star rating from 202 Google reviews and an RNM Score of 99/100. Also in the top tier: Patriot Home Loans and Rocket Mortgage Chula Vista. The average rating across all listed mortgage brokers in Chula Vista is 5 stars from 73 reviews per business on average.
Mortgage brokers in Chula Vista: 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.
Best Overall
Eric Mitchell - Discount Mortgage AI
Eric Mitchell stands out for combining advanced AI-driven mortgage solutions with a top-ranked reputation for speed and customer satisfaction.
Most Reviewed
Brandon Martinez 24/7
A high review count indicates broad customer trust and consistent service experience, which is especially valuable when choosing a mortgage broker.
When selecting a mortgage broker in Chula Vista, compare not only rates but also responsiveness and local market knowledge. Reading recent reviews can help you gauge which broker aligns best with your specific needs.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
73
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Chula Vista mortgage broker with a perfect 5.0-star rating from over 200 reviews.
891 Kuhn Dr #204, Chula Vista, CA 91914, USAChula Vista mortgage broker with a 4.9-star rating from over 150 reviews.
823 Anchorage Pl, Chula Vista, CA 91914, USAChula Vista mortgage broker with a perfect 5.0-star rating from nearly 200 reviews.
3450 Bonita Rd Suite 108, Chula Vista, CA 91910, USAMortgage Brokers Rankings in Chula Vista, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Andre Enriques Mortgage Banker - VA Loan Expert891 Kuhn Dr #204, Chula Vista, CA 91914, USA | 5.0★ | 202 |
| #2 | Patriot Home Loans823 Anchorage Pl, Chula Vista, CA 91914, USA | 4.9★ | 151 |
| #3 | Rocket Mortgage Chula Vista3450 Bonita Rd Suite 108, Chula Vista, CA 91910, USA | 5.0★ | 192 |
| #4 | Hayley Shams - Mortgage Consultant860 Kuhn Dr # 106, Chula Vista, CA 91914, USA | 5.0★ | 40 |
| #5 | Tyler Lindsay Forward Mortgage542 15th St, San Diego, CA 92101, USA | 5.0★ | 92 |
| #6 | Brandon Martinez 24/72536 Catamaran Way, Chula Vista, CA 91914, USA | 5.0★ | 11 |
| #7 | Rate Republic Mortgage690 Otay Lakes Rd #230, Chula Vista, CA 91910, USA | 4.9★ | 8 |
| #8 | Aldo Lomeli | Mortgage Broker2088 Otay Lakes Rd Suite 201, Chula Vista, CA 91915, USA | 5.0★ | 5 |
| #9 | i2i Real Estate and Mortgage, Inc.821 Kuhn Dr Ste. 210, Chula Vista, CA 91914, USA | 5.0★ | 74 |
| #10 | David Matranga - Mortgage By Matranga690 Otay Lakes Rd #230, Chula Vista, CA 91910, USA | 5.0★ | 75 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Chula Vista
Exceptional 5.0-star rating from 40 Google reviews in Chula Vista.
860 Kuhn Dr # 106, Chula Vista, CA 91914, USA
Top-rated Chula Vista mortgage broker with a perfect 5.0-star rating from 92 reviews.
542 15th St, San Diego, CA 92101, USA
A 5.0-star mortgage broker in Chula Vista, based on 11 Google reviews.
2536 Catamaran Way, Chula Vista, CA 91914, USA
Trusted Chula Vista mortgage broker with a perfect 4.9-star rating from 8 Google reviews.
690 Otay Lakes Rd #230, Chula Vista, CA 91910, USA
Exceptional 5.0-star rating from five Google reviews for local mortgage services.
2088 Otay Lakes Rd Suite 201, Chula Vista, CA 91915, USA
Offers expert mortgage guidance with a perfect 5.0-star rating from 74 reviews.
821 Kuhn Dr Ste. 210, Chula Vista, CA 91914, USA
Rated 5.0 stars from 75 Google reviews, this Chula Vista mortgage broker is highly trusted.
690 Otay Lakes Rd #230, Chula Vista, CA 91910, USA
Trusted by 64 clients with a strong 4.7-star rating based on Google reviews.
347 3rd Ave 2nd floor, Chula Vista, CA 91910, USA
Chula Vista mortgage broker with a 4.9-star rating from 149 reviews.
873 Anchorage Pl, Chula Vista, CA 91914, USA
Top-rated mortgage broker in Chula Vista with a perfect 5.0 score from 13 reviews.
2434 Fenton St Ste 300, Chula Vista, CA 91914, USA
Top-rated Chula Vista mortgage broker with a perfect 5.0-star rating from 34 reviews.
2434 Fenton St Ste 300, Chula Vista, CA 91914, USA
Chula Vista mortgage broker with a 4.9-star rating from 53 Google reviews.
2060 Otay Lakes Rd #250, Chula Vista, CA 91913, USA
98 Google reviews give this Chula Vista mortgage broker a perfect 5.0-star rating.
637 Third Ave Suite D, Chula Vista, CA 91910, USA
Chula Vista mortgage broker with 5.0 stars from 62 Google reviews.
2088 Otay Lakes Rd Suite 201, Chula Vista, CA 91915, USA
Trusted Chula Vista mortgage broker with a 4.8★ rating from 41 reviews.
1061 Tierra Del Rey, Chula Vista, CA 91910, USA
Rated 5.0 stars from 17 Google reviews in Chula Vista.
333 H St Suite 5000, Chula Vista, CA 91910, USA
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Mortgage Brokers in Chula Vista, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Andre Enriques Mortgage Banker - VA Loan Expert | 99/100 | 5.0 ★ | 202 |
| 2 | Patriot Home Loans | 96/100 | 4.9 ★ | 151 |
| 3 | Rocket Mortgage Chula Vista | 90/100 | 5.0 ★ | 192 |
| 4 | Hayley Shams - Mortgage Consultant | 90/100 | 5.0 ★ | 40 |
| 5 | Tyler Lindsay Forward Mortgage | 95/100 | 5.0 ★ | 92 |
| 6 | Brandon Martinez 24/7 | 72/100 | 5.0 ★ | 11 |
| 7 | Rate Republic Mortgage | 80/100 | 4.9 ★ | 8 |
| 8 | Aldo Lomeli | Mortgage Broker | 80/100 | 5.0 ★ | 5 |
| 9 | i2i Real Estate and Mortgage, Inc. | 93/100 | 5.0 ★ | 74 |
| 10 | David Matranga - Mortgage By Matranga | 94/100 | 5.0 ★ | 75 |
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 Chula Vista
What does a mortgage broker do differently than going directly to a bank in Chula Vista?
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 Chula Vista?
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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