Top Picks · Encinitas
Best Mortgage Brokers in Encinitas, CA
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
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 | Laura Silva- APM - Encinitas, American Pacific Mortgage, Inc.527 Encinitas Blvd STE 202, Encinitas, CA 92024, USA | 5.0★ | 59 |
| #5 | Kolby Gibson- APM- Encinitas / American Pacific Mortgage, Inc.515 Encinitas Blvd #202, Encinitas, CA 92024, USA | 5.0★ | 51 |
| #6 | Rob Coury at Guaranteed Rate Affinity (NMLS #242966)1472 Encinitas Blvd, Encinitas, CA 92024, USA | 5.0★ | 10 |
| #7 | Zachary Taylor at CrossCountry Mortgage, LLC322 Encinitas Blvd #170, Encinitas, CA 92024, USA | 5.0★ | 83 |
| #8 | MyPrimeHomeLoan.com LLC1084 N El Camino Real B138, Encinitas, CA 92024, USA | 4.8★ | 32 |
| #9 | Moose Mau144 W D St Suite 115, Encinitas, CA 92024, USA | 5.0★ | 163 |
| #10 | Hargrave Home Loans - Mortgage Broker208 W J St, Encinitas, CA 92024, USA | 5.0★ | 35 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Encinitas
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
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
Get Free Quotes
We'll connect you with the top mortgage brokers in Encinitas, CA.
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: May 17, 2026.
More Home Services in Encinitas
Related Searches
More ways to find mortgage brokers in Encinitas
Mortgage Brokers in nearby cities