Best Value · Encinitas
Affordable Mortgage Brokers in Encinitas, CA
Find quality mortgage brokers that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of June 2026, RatingsNearMe ranks 16 mortgage brokers in Encinitas, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Dave Pennington at CrossCountry Mortgage with a 5.0-star rating from 266 Google reviews and an RNM Score of 100/100. Also in the top tier: Hougard Loans, Bayshore Home Loans and Moose Mau. The average rating across all listed mortgage brokers in Encinitas is 5 stars from 122 reviews per business on average.
Mortgage brokers in Encinitas: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Encinitas, CA is home to a variety of mortgage brokers who can assist consumers with home loans and refinancing. When searching for a local mortgage broker, consumers should consider factors such as licensing, experience, and customer reviews.
- ✓Encinitas, CA has several reputable mortgage brokers
- ✓Consumers should research brokers' licensing and experience
- ✓Customer reviews can provide insight into the quality of service
Best Overall
Clay Robison - Mortgage Advisor
Clay Robison consistently earns top rankings due to his personalized service, deep local expertise, and strong client satisfaction.
Most Reviewed
Dave Pennington at CrossCountry Mortgage
A high review count signals broad community trust and a proven track record of reliable service over many transactions.
When choosing a mortgage broker in Encinitas, compare not only rates but also responsiveness and local knowledge; reading recent reviews across multiple platforms can give you a clearer picture of each lender's real-world performance.
How to Choose a Mortgage Broker in Encinitas
What to look for
- • Extensive experience working with clients in the Encinitas, CA area
- • Strong knowledge of the local real estate market and mortgage options
- • Excellent communication skills and responsiveness
- • Transparent fees and costs upfront
Questions to ask
- • How long have you been a mortgage broker in Encinitas?
- • What types of mortgage products do you typically recommend for homebuyers in this area?
- • Can you provide references from past Encinitas clients?
Red flags
- ⚠ Unwillingness to provide a detailed cost breakdown
- ⚠ Lack of familiarity with Encinitas-specific real estate trends
- ⚠ Pressure to use a specific lender or real estate agent
In California, mortgage brokers must be licensed by the Department of Real Estate. Be sure to verify a broker's license and check for any disciplinary actions or complaints.
Local Market Snapshot
16
Businesses listed
5★
Avg rating
122
Avg reviews
Jun 9, 2026
Last updated
Top Rated Mortgage Brokers
Encinitas mortgage broker has a perfect 5.0★ rating from 266 customer reviews.
322 Encinitas Blvd #170, Encinitas, CA 92024, USAEncinitas mortgage broker with a perfect 5.0-star rating from over 180 reviews.
700 2nd St Suite E, Encinitas, CA 92024, USAHundreds of reviews rate this Encinitas mortgage broker a perfect 5.0 stars.
144 W D St Suite 115, Encinitas, CA 92024, USAMortgage Brokers Rankings in Encinitas, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Dave Pennington at CrossCountry Mortgage322 Encinitas Blvd #170, Encinitas, CA 92024, USA | 5.0★ | 266 |
| #2 | Hougard Loans, Bayshore Home Loans700 2nd St Suite E, Encinitas, CA 92024, USA | 5.0★ | 181 |
| #3 | Moose Mau144 W D St Suite 115, Encinitas, CA 92024, USA | 5.0★ | 163 |
| #4 | Marc Datnow at Rate (NMLS #1707820)617 Saxony Pl #101, Encinitas, CA 92024, USA | 5.0★ | 20 |
| #5 | The Home Loan Collective - NEO Home Loans662 Encinitas Blvd Ste. 201, Encinitas, CA 92024, USA | 5.0★ | 13 |
| #6 | IFC Mortgage326 Encinitas Blvd Suite 200, Encinitas, CA 92024, USA | 4.6★ | 21 |
| #7 | BluPrint Home Loans607 N Vulcan Ave Unit 6, Encinitas, CA 92024, USA | 4.9★ | 155 |
| #8 | Clay Robison - Mortgage Advisor527 Encinitas Blvd STE 202, Encinitas, CA 92024, USA | 5.0★ | 11 |
| #9 | RWM Home Loans11234 El Camino Real, San Diego, CA 92130, USA | 5.0★ | 713 |
| #10 | Greg Wynn - Mortgage Broker514 Via De La Valle UNIT 202, Solana Beach, CA 92075, USA | 5.0★ | 138 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Encinitas
617 Saxony Pl #101, Encinitas, CA 92024, USA
662 Encinitas Blvd Ste. 201, Encinitas, CA 92024, USA
326 Encinitas Blvd Suite 200, Encinitas, CA 92024, USA
Encinitas mortgage broker with a 4.9-star rating from over 150 Google reviews.
607 N Vulcan Ave Unit 6, Encinitas, CA 92024, USA
527 Encinitas Blvd STE 202, Encinitas, CA 92024, USA
Encinitas mortgage broker with a perfect 5.0-star rating from over 700 Google reviews.
11234 El Camino Real, San Diego, CA 92130, USA
Encinitas mortgage broker with a perfect 5.0 rating from 138 Google reviews.
514 Via De La Valle UNIT 202, Solana Beach, CA 92075, USA
208 W J St, Encinitas, CA 92024, USA
527 Encinitas Blvd STE 202, Encinitas, CA 92024, USA
515 Encinitas Blvd #202, Encinitas, CA 92024, USA
1472 Encinitas Blvd, Encinitas, CA 92024, USA
322 Encinitas Blvd #170, Encinitas, CA 92024, USA
1084 N El Camino Real B138, Encinitas, CA 92024, USA
Get Free Quotes
We'll connect you with the top mortgage brokers in Encinitas, CA.
Mortgage Brokers in Encinitas, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Dave Pennington at CrossCountry Mortgage | 100/100 | 5.0 ★ | 266 |
| 2 | Hougard Loans, Bayshore Home Loans | 98/100 | 5.0 ★ | 181 |
| 3 | Moose Mau | 98/100 | 5.0 ★ | 163 |
| 4 | Marc Datnow at Rate (NMLS #1707820) | 87/100 | 5.0 ★ | 20 |
| 5 | The Home Loan Collective - NEO Home Loans | 84/100 | 5.0 ★ | 13 |
| 6 | IFC Mortgage | 72/100 | 4.6 ★ | 21 |
| 7 | BluPrint Home Loans | 96/100 | 4.9 ★ | 155 |
| 8 | Clay Robison - Mortgage Advisor | 83/100 | 5.0 ★ | 11 |
| 9 | RWM Home Loans | 92/100 | 5.0 ★ | 713 |
| 10 | Greg Wynn - Mortgage Broker | 97/100 | 5.0 ★ | 138 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
Frequently Asked Questions — Mortgage Brokers in Encinitas
What does a mortgage broker do differently than going directly to a bank in Encinitas?
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 Encinitas?
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: June 9, 2026.
More Home Services in Encinitas
Related Searches
More ways to find mortgage brokers in Encinitas
Mortgage Brokers in nearby cities