Low Cost · Encinitas
Cheap Mortgage Brokers in Encinitas, CA — Best Prices
Compare mortgage brokers prices in Encinitas to find the best deal. All businesses are reviewed — cheap doesn't mean low quality.
As of May 2026, RatingsNearMe ranks 16 mortgage brokers in Encinitas, CA by verified customer ratings and review volume. The highest-rated is RWM Home Loans with a 5.0-star rating from 713 verified reviews. Also in the top tier: Dave Pennington at CrossCountry Mortgage and Hougard Loans, Bayshore Home Loans. 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 May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
16
Businesses listed
5★
Avg rating
122
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Dave Pennington at CrossCountry Mortgage
322 Encinitas Blvd #170, Encinitas, CA 92024, USA
Hougard Loans, Bayshore Home Loans
700 2nd St Suite E, Encinitas, CA 92024, USA
Mortgage Brokers Rankings in Encinitas, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | RWM Home Loans11234 El Camino Real, San Diego, CA 92130, USA | 5.0★ | 713 |
| #2 | Dave Pennington at CrossCountry Mortgage322 Encinitas Blvd #170, Encinitas, CA 92024, USA | 5.0★ | 266 |
| #3 | Hougard Loans, Bayshore Home Loans700 2nd St Suite E, Encinitas, CA 92024, USA | 5.0★ | 181 |
| #4 | BluPrint Home Loans607 N Vulcan Ave Unit 6, Encinitas, CA 92024, USA | 4.9★ | 155 |
| #5 | Marc Datnow at Rate (NMLS #1707820)617 Saxony Pl #101, Encinitas, CA 92024, USA | 5.0★ | 20 |
| #6 | The Home Loan Collective - NEO Home Loans662 Encinitas Blvd Ste. 201, Encinitas, CA 92024, USA | 5.0★ | 13 |
| #7 | IFC Mortgage326 Encinitas Blvd Suite 200, Encinitas, CA 92024, USA | 4.6★ | 21 |
| #8 | Clay Robison - Mortgage Advisor527 Encinitas Blvd STE 202, Encinitas, CA 92024, USA | 5.0★ | 11 |
| #9 | Greg Wynn - Mortgage Broker514 Via De La Valle UNIT 202, Solana Beach, CA 92075, USA | 5.0★ | 138 |
| #10 | Laura Silva- APM - Encinitas, American Pacific Mortgage, Inc.527 Encinitas Blvd STE 202, Encinitas, CA 92024, USA | 5.0★ | 59 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Encinitas
BluPrint Home Loans
607 N Vulcan Ave Unit 6, Encinitas, CA 92024, USA
Marc Datnow at Rate (NMLS #1707820)
617 Saxony Pl #101, Encinitas, CA 92024, USA
The Home Loan Collective - NEO Home Loans
662 Encinitas Blvd Ste. 201, Encinitas, CA 92024, USA
Clay Robison - Mortgage Advisor
527 Encinitas Blvd STE 202, Encinitas, CA 92024, USA
Greg Wynn - Mortgage Broker
514 Via De La Valle UNIT 202, Solana Beach, CA 92075, USA
Laura Silva- APM - Encinitas, American Pacific Mortgage, Inc.
527 Encinitas Blvd STE 202, Encinitas, CA 92024, USA
Kolby Gibson- APM- Encinitas / American Pacific Mortgage, Inc.
515 Encinitas Blvd #202, Encinitas, CA 92024, USA
Rob Coury at Guaranteed Rate Affinity (NMLS #242966)
1472 Encinitas Blvd, Encinitas, CA 92024, USA
Zachary Taylor at CrossCountry Mortgage, LLC
322 Encinitas Blvd #170, Encinitas, CA 92024, USA
MyPrimeHomeLoan.com LLC
1084 N El Camino Real B138, Encinitas, CA 92024, USA
Hargrave Home Loans - Mortgage Broker
208 W J St, Encinitas, CA 92024, USA
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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.
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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: May 17, 2026.
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