Top Picks · Torrance
Best Mortgage Brokers in Torrance, 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 Torrance, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is South Bay Equity Lending with a 5.0-star rating from 172 Google reviews and an RNM Score of 86/100. Also in the top tier: Thessy Onyenedum – Mortgage Loan Officer, Atesa Real Estate, Inc. and Circadian Mortgage Brokers. The average rating across all listed mortgage brokers in Torrance is 5 stars from 50 reviews per business on average.
Mortgage brokers in Torrance: 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
Anouheh Moghaddam Group (AMG) - Powered by Movement Mortgage
This group is top-ranked for its strong reputation, comprehensive mortgage services, and backing by a well-known national lender.
Most Reviewed
Anouheh Moghaddam Group (AMG) - Powered by Movement Mortgage
A high review count indicates a proven track record of client satisfaction and reliability in the local market.
When choosing a mortgage broker in Torrance, compare loan options and fees across multiple brokers, and prioritize those with transparent communication and strong local reviews.
Local Market Snapshot
19
Businesses listed
5★
Avg rating
50
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Recognized for a perfect 5.0-star rating from over 170 Google reviews.
1611 S Pacific Coast Hwy #102, Redondo Beach, CA 90277, USA5.0-star rating from 153 Google reviews for this trusted Torrance mortgage broker.
21151 S Western Ave Suite 255, Torrance, CA 90501, USA5.0-star mortgage broker with 95 Google reviews serving Torrance clients.
30 Malaga Cove Plaza, Palos Verdes Estates, CA 90274, USAMortgage Brokers Rankings in Torrance, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | South Bay Equity Lending1611 S Pacific Coast Hwy #102, Redondo Beach, CA 90277, USA | 5.0★ | 172 |
| #2 | Thessy Onyenedum – Mortgage Loan Officer, Atesa Real Estate, Inc.21151 S Western Ave Suite 255, Torrance, CA 90501, USA | 5.0★ | 153 |
| #3 | Circadian Mortgage Brokers30 Malaga Cove Plaza, Palos Verdes Estates, CA 90274, USA | 5.0★ | 95 |
| #4 | Fernando Diaz2780 Skypark Dr Suite 210, Office 207, Torrance, CA 90505, USA | 5.0★ | 37 |
| #5 | Harman Sudwal - Mortgage Director @ UNITED ONE MORTGAGE, TORRANCE22939 Hawthorne Blvd Suite 204, Torrance, CA 90505, USA | 5.0★ | 27 |
| #6 | S.O.S. Loans, Inc.3655 Torrance Blvd # 460, Torrance, CA 90503, USA | 4.6★ | 27 |
| #7 | SSK Mortgage234 S Guadalupe Ave UNIT B, Redondo Beach, CA 90277, USA | 5.0★ | 16 |
| #8 | Blue Vista Mortgage18321 S Western Ave # J, Gardena, CA 90248, USA | 4.8★ | 55 |
| #9 | Mortgage America18726 S Western Ave #406, Gardena, CA 90248, USA | 5.0★ | 1 |
| #10 | Pacific Mortgage Real Estate and Financing Company25500 Hawthorne Blvd #2230, Torrance, CA 90505, USA | — | — |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Torrance
Torrance mortgage broker with a flawless 5.0★ rating from 37 Google reviews.
2780 Skypark Dr Suite 210, Office 207, Torrance, CA 90505, USA
5.0-star rating from 27 reviews, reflecting exceptional client satisfaction.
22939 Hawthorne Blvd Suite 204, Torrance, CA 90505, USA
Trusted Torrance mortgage broker with a 4.6★ rating from 27 reviews.
3655 Torrance Blvd # 460, Torrance, CA 90503, USA
Top-rated Torrance mortgage broker with a perfect 5.0-star score from 16 reviews.
234 S Guadalupe Ave UNIT B, Redondo Beach, CA 90277, USA
Top-rated Torrance mortgage broker with 4.8 stars from 55 client reviews.
18321 S Western Ave # J, Gardena, CA 90248, USA
Rated 5.0 stars from a handful of Google reviews in Torrance.
18726 S Western Ave #406, Gardena, CA 90248, USA
This local mortgage broker has no customer reviews yet to help guide your choice.
25500 Hawthorne Blvd #2230, Torrance, CA 90505, USA
4.8 stars from nearly 20 reviews, reflecting exceptional local client satisfaction.
2304 Artesia Blvd, Redondo Beach, CA 90278, USA
Torrance mortgage broker with a perfect 5.0★ rating from 37 Google reviews.
116 S Catalina Ave Suite 111, Redondo Beach, CA 90277, USA
Rated 5.0 stars from 46 Google reviews in Torrance.
24445 Hawthorne Blvd STE 201, Torrance, CA 90505, USA
Torrance mortgage broker with a perfect 5.0-star rating from 68 Google reviews.
23740 Hawthorne Blvd 2nd floor, Torrance, CA 90505, USA
Trusted Torrance mortgage broker with a perfect 5.0-star rating from 66 reviews.
24214 Hawthorne Blvd, Torrance, CA 90505, USA
Trusted locally with a perfect 5.0★ rating from 29 Google reviews.
21250 Hawthorne Blvd 5th Floor, Torrance, CA 90503, USA
5.0 stars from 15 reviews, reflecting exceptional client satisfaction in Torrance.
21250 Hawthorne Blvd Suite 500, Torrance, CA 90503, USA
Trusted by clients with a perfect 5.0-star rating from 37 reviews.
413 Vía Corta, Palos Verdes Estates, CA 90274, USA
Top-rated Torrance mortgage broker with a perfect 5.0-star rating from 5 reviews.
21221 S Western Ave Suite 1013 & 1015, Torrance, CA 90501, USA
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Mortgage Brokers in Torrance, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | South Bay Equity Lending | 86/100 | 5.0 ★ | 172 |
| 2 | Thessy Onyenedum – Mortgage Loan Officer, Atesa Real Estate, Inc. | 86/100 | 5.0 ★ | 153 |
| 3 | Circadian Mortgage Brokers | 83/100 | 5.0 ★ | 95 |
| 4 | Fernando Diaz | 78/100 | 5.0 ★ | 37 |
| 5 | Harman Sudwal - Mortgage Director @ UNITED ONE MORTGAGE, TORRANCE | 76/100 | 5.0 ★ | 27 |
| 6 | S.O.S. Loans, Inc. | 70/100 | 4.6 ★ | 27 |
| 7 | SSK Mortgage | 74/100 | 5.0 ★ | 16 |
| 8 | Blue Vista Mortgage | 77/100 | 4.8 ★ | 55 |
| 9 | Mortgage America | 62/100 | 5.0 ★ | 1 |
| 10 | Pacific Mortgage Real Estate and Financing Company | 3/100 | — | 0 |
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 Torrance
What does a mortgage broker do differently than going directly to a bank in Torrance?
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 Torrance?
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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