Mortgage Brokers · Riverside, CA/Updated June 13, 2026
The 10 Best Mortgage Brokers in Riverside, CA
Finding the right mortgage broker can save you from costly mistakes in your home buying journey. Here are the best options in Riverside.
MHMaya Hendricks · Home Services Editor Updated June 13, 2026 · Next review July 2026
Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceFirst Lending Solutions
96Score
Latest update · June 13, 2026: Initial ranking published. 10 Riverside-metro mortgage brokers businesses evaluated, top 10 ranked by Vetted Score.
In Riverside, navigating the mortgage process can be daunting. Many homebuyers find themselves overwhelmed by paperwork, interest rates, and lender options. A poor choice in a mortgage broker can lead to higher costs and delays, turning what should be an exciting journey into a frustrating experience.
To help you avoid these pitfalls, we evaluated 10 mortgage brokers in the Riverside area. We considered their ratings, review counts, and overall customer satisfaction to create a list that reflects the best options available for your home financing needs.
10mortgage brokers evaluated in Riverside
4.96average rating across the field
1.4Kcustomer reviews analyzed
Cityvetted analysis of public Google review data, updated June 13, 2026.
We assessed each mortgage broker based on their Vetted Score, which combines customer reviews and ratings. Our evaluation process is transparent and unbiased, as no company pays for placement on our list.
This ranking is refreshed monthly to ensure you have access to the most current information and trends in the Riverside mortgage market. We believe this approach helps you make informed decisions with confidence.
The Vetted Score: six weighted factors
Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%
Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.
With a perfect rating of 5 stars from 308 reviews, First Lending Solutions is a standout in Riverside. Clients appreciate their personalized service and thorough guidance throughout the mortgage process. They excel at securing competitive rates and making the experience as smooth as possible. However, their popularity means you may need to book in advance.
Pros
Excellent customer service
Competitive rates
Personalized mortgage solutions
Cons
High demand for appointments
Limited availability during peak times
Best forHomebuyers seeking personalized service and competitive rates
The Lara Locke Team also holds a 5-star rating based on 240 reviews, showcasing their commitment to customer satisfaction. Clients commend their responsiveness and expertise in various loan products. They are particularly noted for their value-driven services. However, their smaller team might limit availability during busy periods. A review base that deep is hard to game, and the score barely moves across it, which is the clearest consistency signal we track. Most of what reviewers hire it for is homebuyers looking for value and expertise. It serves Riverside, CA, with $0 to $1,200 in closing costs pricing, and the honest trade-offs are potential wait times during busy seasons and smaller team may limit capacity.
Pros
Responsive and knowledgeable staff
Great value for services
Variety of loan options
Cons
Potential wait times during busy seasons
Smaller team may limit capacity
Best forHomebuyers looking for value and expertise
With a rating of 4.9 stars from 419 reviews, Secure Choice Lending Corporate is a popular choice among Riverside residents. Reviewers highlight their efficient processes and helpful staff. They are particularly well-regarded for their educational approach to lending. However, the high volume of clients may lead to longer processing times.
Guild Mortgage, led by Rich Vandenberg, holds a 5-star rating from 90 reviews. Clients appreciate the attentive service and clear communication. They are ideal for those looking for a streamlined mortgage process. However, their smaller review count suggests a more limited client base. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is homebuyers preferring a personalized touch. It serves Riverside, CA, with $0 to $1,500 in closing costs pricing, and the honest trade-offs are smaller review base and limited product offerings compared to larger firms.
Pros
Attentive and clear communication
Streamlined process
Personalized service
Cons
Smaller review base
Limited product offerings compared to larger firms
Best forHomebuyers preferring a personalized touch
New American Funding in Riverside has a rating of 4.8 stars from 176 reviews. Clients commend their flexibility and range of loan products. They cater well to diverse financial situations. However, some clients note that response times can vary, especially during peak seasons. That is a substantial body of feedback for a local operator, enough to trust the rating rather than credit a lucky streak. Most of what reviewers hire it for is borrowers with unique financial needs. It serves Riverside, CA, with $0 to $1,700 in closing costs pricing, and the honest trade-offs are variable response times and some clients report delays.
RWM Home Loans scores 4.9 stars from 60 reviews. Clients appreciate their straightforward approach and knowledgeable staff. They focus on providing clear information about the mortgage process. However, their limited review count may indicate less experience compared to competitors. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is homebuyers who value clarity and simplicity. It serves Riverside, CA, with $0 to $1,300 in closing costs pricing, and the honest trade-offs are smaller review base and less established reputation.
Pros
Straightforward communication
Knowledgeable staff
Clear mortgage process
Cons
Smaller review base
Less established reputation
Best forHomebuyers who value clarity and simplicity
Joel Gutierrez, a loan officer and realtor, holds a 5-star rating from 30 reviews. Clients appreciate his dual expertise in real estate and lending. This makes him a valuable resource for first-time buyers. However, the limited number of reviews suggests he is still building his client base. The sample is modest but steady, with reviewers describing the same strengths instead of one-off praise. Most of what reviewers hire it for is first-time buyers needing comprehensive guidance. It serves Riverside, CA, with $0 to $1,500 in closing costs pricing, and the honest trade-offs are limited review base and newer in the market.
Pros
Dual expertise in real estate and lending
Very responsive
Personalized service
Cons
Limited review base
Newer in the market
Best forFirst-time buyers needing comprehensive guidance
Olivia Rucker has a rating of 5 stars from 27 reviews. Clients commend her for her attentive service and dedication. She is particularly noted for her ability to simplify complex mortgage terms. However, her smaller client base may limit her exposure to a variety of loan scenarios. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is clients who appreciate personalized assistance. It serves Riverside, CA, with $0 to $1,400 in closing costs pricing, and the honest trade-offs are limited exposure to diverse scenarios and smaller review base may indicate less experience.
Pros
Attentive and dedicated service
Simplifies complex mortgage terms
Strong client relationships
Cons
Limited exposure to diverse scenarios
Smaller review base may indicate less experience
Best forClients who appreciate personalized assistance
Cody Olson Home Loans has a perfect rating of 5 stars from 11 reviews. Clients appreciate his friendly approach and willingness to answer questions. While he is well-reviewed, the limited number of reviews suggests he may not have the extensive experience of larger firms. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is clients seeking a friendly, approachable broker. It serves Riverside, CA, with $0 to $1,200 in closing costs pricing, and the honest trade-offs are very limited review base and less established in the market.
Pros
Friendly and approachable
Willing to educate clients
Positive client interactions
Cons
Very limited review base
Less established in the market
Best forClients seeking a friendly, approachable broker
Home Seekers Lending has a rating of 5 stars from just 2 reviews. While clients praise the service, the extremely limited review count raises questions about their experience and reliability. This pick is promising but unproven, making it a risky choice for many borrowers. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is clients willing to take a chance on a new lender. It serves Riverside, CA, with $0 to $1,500 in closing costs pricing, and the honest trade-offs are extremely limited review base and unproven track record.
Pros
Positive initial feedback
Potential for personalized service
Cons
Extremely limited review base
Unproven track record
Best forClients willing to take a chance on a new lender
Selecting the right mortgage broker can significantly influence your home buying experience. Here are three essential factors to consider.
Check Reviews and Ratings
Look for brokers with high ratings and a substantial number of reviews. This indicates a proven track record of customer satisfaction.
Evaluate Communication Styles
Choose a broker who communicates clearly and promptly. Good communication can prevent misunderstandings and ensure a smoother process.
Assess Loan Options Offered
Consider brokers who provide a variety of loan products. This flexibility can help you find the best financing solution for your specific needs.
What it costs
What mortgage brokers cost in Riverside
The cost of using a mortgage broker in Riverside can vary based on the services they provide. Here are some typical pricing tiers you might encounter.
Free ConsultationMany brokers offer free consultations to discuss your needs and potential loan options.
$500 to $1,500 for Broker FeesBroker fees can range based on the complexity of your financing needs and the broker's experience level.
0.5% to 2% of Loan AmountSome brokers charge a percentage of the loan amount as their fee, which can vary widely.
Additional Service FeesBe aware of potential additional fees for services like credit checks or document processing.
Frequently asked questions
How much does mortgage service cost in Riverside?
Mortgage rates in Riverside typically range from 3.5% to 5.5%, depending on various factors such as credit score and loan type.
What are the qualifications to get a mortgage in Riverside?
Most lenders require a credit score of at least 620, a stable income, and a debt-to-income ratio below 43%.
How often is this ranking updated?
We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.
Our verdict
For most Riverside homeowners: <strong>First Lending Solutions</strong>
Call First Lending Solutions first for their extensive experience and high volume of positive reviews. If you prioritize personalized service, Lara Locke Team is an excellent choice with their strong client relationships. For those seeking a wide range of loan options, Secure Choice Lending Corporate offers a solid reputation and a large number of reviews, indicating a well-established presence in the market.