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The 10 Best Mortgage Brokers in San Jose (2026)
As housing costs and loan options shift, finding the right mortgage broker in San Jose means balancing rate quotes, lender access, and local knowledge. This list ranks the ten top mortgage brokers in San Jose using Google review data: a Bayesian score that weights average rating by number of reviews, so firms with many high scores rank higher than small-sample outliers. The ranking was updated in 2026 and reflects what real customers reported on Google. Whether you’re buying in central neighborhoods or the city’s outskirts, these are the local firms that earned the most consistent praise from reviewers.
This ranking is computed from Google reviews (our method). Listings marked Partner are paid advertising spots: they sit alongside the ranking without changing its order.
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Loan Factory – We Dare You to Compare
Loan Factory – We Dare You to Compare tops our list because it combines a perfect 5.0 rating with a very large review count (5,266), giving it the strongest Bayesian score among local brokers. The Google listing categorizes it as a Mortgage broker and places it on Tully Road in San Jose. That combination of a flawless average and substantial review volume is what puts it ahead of smaller, equally rated shops in this 2026 ranking.
The full ranking
Esther Chien Mortgage – The Loan Story
Esther Chien Mortgage – The Loan Story carries a 5.0 score from 131 Google reviews and is categorized as a Mortgage broker. It appears on Stevens Creek Boulevard in San Jose.
131 reviews
Chris Johnson – Assoc. Broker for Affinity Mortgage
Chris Johnson – Assoc. Broker for Affinity Mortgage posts a 5.0 rating with 66 Google reviews and is shown as a Mortgage broker. The office address is on S Bascom Avenue in Campbell.
66 reviews
Yvonne Wu & Maria Chen – The Loan Story
Yvonne Wu & Maria Chen – The Loan Story show a 5.0 Google rating from 48 reviewers and are listed as a Mortgage broker. Their Google entry gives a Stevens Creek Boulevard address in San Jose.
48 reviews
Jason Shi
Jason Shi has a 5.0 rating on Google based on 48 reviews and is categorized as a Mortgage broker. The listing places the office on Junction Avenue in San Jose.
48 reviews
101 Loan and Rob McCarthy – Specialist in Residential, Commercial and Reverse Mortgage Financing
101 Loan and Rob McCarthy – Specialist in Residential, Commercial and Reverse Mortgage Financing holds a 5.0 Google rating from 43 reviews and is listed as a Mortgage broker. The address shown is on Hellyer Avenue in San Jose.
43 reviews
Brandon Knapp at CrossCountry Mortgage
Brandon Knapp at CrossCountry Mortgage appears with a 5.0 rating from 41 Google reviewers and is categorized as a Mortgage lender. The location is given on Minnesota Avenue in San Jose.
41 reviews
Help U Lend
Help U Lend records a 5.0 Google score based on 39 reviews and is listed as a Mortgage broker. Its Google listing shows an address on Senter Road in San Jose.
39 reviews
Change Home Mortgage
Change Home Mortgage features a 5.0 Google rating from 33 reviews and is categorized as a Mortgage lender. The business is listed on Metro Drive in San Jose.
33 reviews
Mortgage Magic
Mortgage Magic posts a 5.0 rating on Google with 27 reviews and is shown as a Mortgage broker. The entry lists an address on The Alameda in San Jose.
27 reviews
Frequently asked questions
How should I choose a mortgage broker in San Jose?
Look for brokers with strong, recent reviews and transparent communication about loan options and fees. Compare multiple brokers to see who has access to lenders that match your profile, and ask for references or examples of similar transactions in the area.
What does a mortgage broker typically charge?
Fees vary by broker and loan type; some brokers are paid by lenders, others charge a broker fee or are compensated through the loan’s interest or origination. Always request a written explanation of fees and whether they affect your rate before you commit.
What should I verify before hiring a mortgage broker?
Confirm the broker’s licensing and ask for details about their lender network, typical timelines, and required documents. Also review recent customer feedback and check for any unresolved complaints with state regulators.
How was this ranking of mortgage brokers compiled?
This list is built from Google review data using a Bayesian score: the average rating is weighted by the number of reviews so businesses with many high ratings rank higher than small-sample outliers. The dataset was updated in 2026 and reflects what reviewers posted on Google.