Local Pros · National City
Local Mortgage Brokers in National City, CA
Locally owned and operated mortgage brokers serving National City and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 2026, RatingsNearMe ranks 8 mortgage brokers in National City, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Mortgage Advisors at Barrett Financial Group (NMLS #2328729) with a 4.9-star rating from 148 Google reviews and an RNM Score of 95/100. Also in the top tier: Community Mortgage Inc. and ONEIL Team - United American Mortgage. The average rating across all listed mortgage brokers in National City is 5 stars from 81 reviews per business on average.
Mortgage brokers in National City: 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.
Best Overall
Abel Tejeda "The Mortgage Guy"
Abel Tejeda is top-ranked for his strong local reputation, bilingual service, and consistent customer satisfaction in National City.
Most Reviewed
Abel Tejeda "The Mortgage Guy"
A high review count indicates broad community trust and a proven track record of successful transactions.
When choosing a mortgage broker in National City, prioritize local expertise and clear communication; always verify licensing and compare loan terms from at least two brokers to ensure you get the best rate.
Local Market Snapshot
8
Businesses listed
5★
Avg rating
81
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of local clients, this broker holds a stellar 4.9-star rating.
3111 Camino Del Rio N Suite 905, San Diego, CA 92108, USATop-rated National City mortgage broker with a perfect 5.0★ rating from over 120 reviews.
814 Morena Blvd UNIT 310, San Diego, CA 92110, USATrusted by 80 clients, this National City broker holds a flawless 5.0-star rating.
2305 Historic Decatur Rd Suite 100, San Diego, CA 92106, USAMortgage Brokers Rankings in National City, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Mortgage Advisors at Barrett Financial Group (NMLS #2328729)3111 Camino Del Rio N Suite 905, San Diego, CA 92108, USA | 4.9★ | 148 |
| #2 | Community Mortgage Inc.814 Morena Blvd UNIT 310, San Diego, CA 92110, USA | 5.0★ | 120 |
| #3 | ONEIL Team - United American Mortgage2305 Historic Decatur Rd Suite 100, San Diego, CA 92106, USA | 5.0★ | 80 |
| #4 | ABLEnding, Inc1455 Frazee Rd Suite 500, San Diego, CA 92108, USA | 5.0★ | 35 |
| #5 | Kithia De Anda- Finest City Homes & Loans231 Third Ave ste d, Chula Vista, CA 91910, USA | 5.0★ | 134 |
| #6 | California Lending Company3940 Hancock St #109, San Diego, CA 92110, USA | 5.0★ | 54 |
| #7 | Abel Tejeda "The Mortgage Guy"419 W G St, San Diego, CA 92101, USA | 4.9★ | 75 |
| #8 | Evergreen Mortgage & Real Estate143 National City Blvd, National City, CA 91950, USA | 5.0★ | 5 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in National City
Trusted by local homeowners with a perfect 5.0★ rating from 35 reviews.
1455 Frazee Rd Suite 500, San Diego, CA 92108, USA
National City's top-rated mortgage broker with 134 perfect 5-star Google reviews.
231 Third Ave ste d, Chula Vista, CA 91910, USA
National City mortgage broker with a perfect 5.0-star rating from 54 reviews.
3940 Hancock St #109, San Diego, CA 92110, USA
Praised by clients with a stellar 4.9-star rating from 75 reviews.
419 W G St, San Diego, CA 92101, USA
Trusted National City mortgage broker with a perfect 5.0 rating from 5 Google reviews.
143 National City Blvd, National City, CA 91950, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in National City, CA.
Mortgage Brokers in National City, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Mortgage Advisors at Barrett Financial Group (NMLS #2328729) | 95/100 | 4.9 ★ | 148 |
| 2 | Community Mortgage Inc. | 96/100 | 5.0 ★ | 120 |
| 3 | ONEIL Team - United American Mortgage | 94/100 | 5.0 ★ | 80 |
| 4 | ABLEnding, Inc | 81/100 | 5.0 ★ | 35 |
| 5 | Kithia De Anda- Finest City Homes & Loans | 88/100 | 5.0 ★ | 134 |
| 6 | California Lending Company | 92/100 | 5.0 ★ | 54 |
| 7 | Abel Tejeda "The Mortgage Guy" | 92/100 | 4.9 ★ | 75 |
| 8 | Evergreen Mortgage & Real Estate | 80/100 | 5.0 ★ | 5 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
Get your business on AI — ChatGPT, Perplexity & Google AI
AI assistants increasingly recommend local mortgage brokers straight from RatingsNearMe. Claim your spot in National City to get featured in AI answers, comparison tables, and “best near me” results — where customers are actually searching now.
Frequently Asked Questions — Mortgage Brokers in National City
What does a mortgage broker do differently than going directly to a bank in National City?
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 National City?
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.
Mortgage Brokers in Nearby Cities
Compare top-rated mortgage brokers in cities near you.
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.
More Home Services in National City
Related Searches
More ways to find mortgage brokers in National City
Mortgage Brokers in nearby cities