Top Picks · Huntington Beach
Best Mortgage Brokers in Huntington Beach, 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 18 mortgage brokers in Huntington Beach, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Mares Mortgage with a 5.0-star rating from 805 Google reviews and an RNM Score of 88/100. Also in the top tier: Optimum First Mortgage and Summit Home Lending. The average rating across all listed mortgage brokers in Huntington Beach is 4.9 stars from 165 reviews per business on average.
Mortgage brokers in Huntington Beach: 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
18
Businesses listed
4.9★
Avg rating
165
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from over 800 Google reviews by Huntington Beach clients.
32172 Camino Capistrano Suite A, San Juan Capistrano, CA 92675, USATrusted by hundreds with a 4.8-star rating for mortgage services in Huntington Beach.
7755 Center Ave 9th Floor, Huntington Beach, CA 92647, USATrusted by hundreds of local clients with a near-perfect 4.9-star rating.
17011 Beach Blvd Suite 1100, Huntington Beach, CA 92647, USAMortgage Brokers Rankings in Huntington Beach, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Mares Mortgage32172 Camino Capistrano Suite A, San Juan Capistrano, CA 92675, USA | 5.0★ | 805 |
| #2 | Optimum First Mortgage7755 Center Ave 9th Floor, Huntington Beach, CA 92647, USA | 4.8★ | 749 |
| #3 | Summit Home Lending17011 Beach Blvd Suite 1100, Huntington Beach, CA 92647, USA | 4.9★ | 324 |
| #4 | Loan Factory, You First Realty17191 Erwin Ln, Huntington Beach, CA 92647, USA | 5.0★ | 37 |
| #5 | Pacific One Lending and Real Estate18377 Beach Blvd Ste 210, Huntington Beach, CA 92648, USA | 3.8★ | 13 |
| #6 | Homeowners Mortgage and Equity, Inc17011 Beach Blvd Suite 900-826, Huntington Beach, CA 92647, USA | 5.0★ | 19 |
| #7 | Eric Gausepohl - Summit Lending2130 Main St Suite 110, Huntington Beach, CA 92648, USA | 5.0★ | 30 |
| #8 | Brighter Lending8092 Warner Ave, Huntington Beach, CA 92647, USA | 5.0★ | 158 |
| #9 | Jackie Barikhan - Summit Lending18281 Gothard St #203, Huntington Beach, CA 92648, USA | 5.0★ | 140 |
| #10 | BuyWise Mortgage2130 Main St #290, Huntington Beach, CA 92648, USA | 5.0★ | 130 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Huntington Beach
5.0 stars from 37 reviews, reflecting exceptional client satisfaction in Huntington Beach.
17191 Erwin Ln, Huntington Beach, CA 92647, USA
A 3.8-star rating from 13 Google reviews indicates mixed local feedback.
18377 Beach Blvd Ste 210, Huntington Beach, CA 92648, USA
5.0 stars from 19 reviews, reflecting exceptional client satisfaction.
17011 Beach Blvd Suite 900-826, Huntington Beach, CA 92647, USA
Rated 5.0 stars from 30 Google reviews, this trusted local mortgage broker excels.
2130 Main St Suite 110, Huntington Beach, CA 92648, USA
Exceptional 5.0-star rating from over 150 Google reviews in Huntington Beach.
8092 Warner Ave, Huntington Beach, CA 92647, USA
Trusted Huntington Beach mortgage broker with a perfect 5.0★ rating from 140 reviews.
18281 Gothard St #203, Huntington Beach, CA 92648, USA
Trusted by hundreds of local clients, this Huntington Beach broker holds a flawless 5.0-star rating.
2130 Main St #290, Huntington Beach, CA 92648, USA
Rated 5.0 stars from over 118 Google reviews in Huntington Beach.
17011 Beach Blvd #510, Huntington Beach, CA 92647, USA
Rated 4.9 stars from 88 Google reviews, a trusted local mortgage broker.
20422 Beach Blvd #100, Huntington Beach, CA 92648, USA
Trusted Huntington Beach mortgage broker with 79 perfect 5.0-star Google reviews.
419 Main St #367, Huntington Beach, CA 92648, USA
69 reviews with a perfect 5.0-star rating reflect exceptional local trust in Huntington Beach.
5882 Bolsa Ave Ste #250, Huntington Beach, CA 92649, USA
5.0 stars from 58 reviews, reflecting exceptional client service and trust.
20422 Beach Blvd #105, Huntington Beach, CA 92648, USA
Rated 4.9 stars from 29 reviews, this Huntington Beach mortgage broker is highly trusted.
2130 Main St #250, Huntington Beach, CA 92648, USA
Exceptional 5.0-star rating from several satisfied Google reviews in Huntington Beach.
5200 Warner Ave #102, Huntington Beach, CA 92649, USA
Trusted by hundreds of local clients, this broker holds a flawless 5.0-star rating.
214 5th St Unit 202, Huntington Beach, CA 92648, USA
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Mortgage Brokers in Huntington Beach, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Mares Mortgage | 88/100 | 5.0 ★ | 805 |
| 2 | Optimum First Mortgage | 85/100 | 4.8 ★ | 749 |
| 3 | Summit Home Lending | 87/100 | 4.9 ★ | 324 |
| 4 | Loan Factory, You First Realty | 78/100 | 5.0 ★ | 37 |
| 5 | Pacific One Lending and Real Estate | 52/100 | 3.8 ★ | 13 |
| 6 | Homeowners Mortgage and Equity, Inc | 75/100 | 5.0 ★ | 19 |
| 7 | Eric Gausepohl - Summit Lending | 77/100 | 5.0 ★ | 30 |
| 8 | Brighter Lending | 86/100 | 5.0 ★ | 158 |
| 9 | Jackie Barikhan - Summit Lending | 85/100 | 5.0 ★ | 140 |
| 10 | BuyWise Mortgage | 85/100 | 5.0 ★ | 130 |
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 Huntington Beach
What does a mortgage broker do differently than going directly to a bank in Huntington Beach?
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 Huntington Beach?
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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