Top Picks · Hayward
Best Mortgage Brokers in Hayward, 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 12 mortgage brokers in Hayward, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Light Mortgage with a 5.0-star rating from 163 Google reviews and an RNM Score of 86/100. Also in the top tier: Optimal Loans and Mike Kamienski - Mortgage Loan Officer, NMLS #1164796. The average rating across all listed mortgage brokers in Hayward is 5 stars from 30 reviews per business on average.
Mortgage brokers in Hayward: 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
Prime Properties of California/ Bay Home Loans
This broker is top-ranked for combining strong local reputation with a full-service mortgage offering and experienced team.
Most Reviewed
Prime Properties of California/ Bay Home Loans
A high review count indicates a large base of past clients and greater reliability in service quality.
When selecting a mortgage broker in Hayward, compare loan options and fees across multiple brokers, and prioritize those with consistent positive feedback and clear communication.
Local Market Snapshot
12
Businesses listed
5★
Avg rating
30
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from 163 Google reviews in Hayward, CA.
11501 Dublin Blvd STE 200, Dublin, CA 94568, USARated 5.0 stars from 45 Google reviews, this Hayward mortgage broker is highly trusted.
4061 E Castro Valley Blvd Suite 260, Castro Valley, CA 94552, USAHayward mortgage broker with a perfect 5.0-star rating from 33 customer reviews.
5776 Stoneridge Mall Rd #280, Pleasanton, CA 94588, USAMortgage Brokers Rankings in Hayward, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Light Mortgage11501 Dublin Blvd STE 200, Dublin, CA 94568, USA | 5.0★ | 163 |
| #2 | Optimal Loans4061 E Castro Valley Blvd Suite 260, Castro Valley, CA 94552, USA | 5.0★ | 45 |
| #3 | Mike Kamienski - Mortgage Loan Officer, NMLS #11647965776 Stoneridge Mall Rd #280, Pleasanton, CA 94588, USA | 5.0★ | 33 |
| #4 | Michael Gallegos - Fairway Independent Mortgage Corp.2950 Merced St #101, San Leandro, CA 94578, USA | 4.9★ | 32 |
| #5 | Dave Mingione Mortgage Broker5776 Stoneridge Mall Rd, Pleasanton, CA 94588, USA | 5.0★ | 17 |
| #6 | Bayview Residential Brokerage987 University Ave STE 12, Los Gatos, CA 95032, USA | 4.7★ | 12 |
| #7 | Prime Properties of California/ Bay Home Loans26250 Industrial Blvd #26, Hayward, CA 94545, USA | 5.0★ | 1 |
| #8 | Pacific Green Funding29300 Kohoutek Way STE 110, Union City, CA 94587, USA | 5.0★ | 9 |
| #9 | Motto Mortgage Golden Standard781 W Tennyson Rd, Hayward, CA 94544, USA | 5.0★ | 16 |
| #10 | J. Morthon Mortgage Refinance Hayward California24301 Southland Dr, Hayward, CA 94542, USA | 5.0★ | 11 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Hayward
Rated 4.9 stars from 32 reviews, this Hayward mortgage broker is highly trusted.
2950 Merced St #101, San Leandro, CA 94578, USA
Top-rated Hayward mortgage broker with a perfect 5.0-star rating from 17 reviews.
5776 Stoneridge Mall Rd, Pleasanton, CA 94588, USA
Rated 4.7 stars from 12 Google reviews, this Hayward broker is well-regarded.
987 University Ave STE 12, Los Gatos, CA 95032, USA
5.0-star rating from one Google review reflects exceptional client satisfaction.
26250 Industrial Blvd #26, Hayward, CA 94545, USA
Trusted by clients with a perfect 5.0 rating from 9 Google reviews.
29300 Kohoutek Way STE 110, Union City, CA 94587, USA
Boasts a perfect 5.0-star rating based on 16 Google reviews.
781 W Tennyson Rd, Hayward, CA 94544, USA
Exceptional 5.0-star rating from 11 Google reviews in Hayward.
24301 Southland Dr, Hayward, CA 94542, USA
Rated 5.0 stars from 14 Google reviews by local clients.
2811 Castro Valley Blvd #207, Castro Valley, CA 94546, USA
Exceptional 5.0-star rating from multiple customer reviews.
21573 Foothill Blvd #211, Hayward, CA 94541, USA
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Mortgage Brokers in Hayward, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Light Mortgage | 86/100 | 5.0 ★ | 163 |
| 2 | Optimal Loans | 79/100 | 5.0 ★ | 45 |
| 3 | Mike Kamienski - Mortgage Loan Officer, NMLS #1164796 | 77/100 | 5.0 ★ | 33 |
| 4 | Michael Gallegos - Fairway Independent Mortgage Corp. | 76/100 | 4.9 ★ | 32 |
| 5 | Dave Mingione Mortgage Broker | 74/100 | 5.0 ★ | 17 |
| 6 | Bayview Residential Brokerage | 67/100 | 4.7 ★ | 12 |
| 7 | Prime Properties of California/ Bay Home Loans | 62/100 | 5.0 ★ | 1 |
| 8 | Pacific Green Funding | 71/100 | 5.0 ★ | 9 |
| 9 | Motto Mortgage Golden Standard | 74/100 | 5.0 ★ | 16 |
| 10 | J. Morthon Mortgage Refinance Hayward California | 72/100 | 5.0 ★ | 11 |
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 Hayward
What does a mortgage broker do differently than going directly to a bank in Hayward?
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 Hayward?
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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