Highest Rated · Encinitas
Top-Rated Mortgage Brokers in Encinitas, CA
Every business ranked by real customer ratings. The pros at the top earned it — through consistent service, not advertising spend.
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 RWM Home Loans with a 5.0-star rating from 713 Google reviews and an RNM Score of 92/100. 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 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 with a perfect 5.0-star rating from over 700 Google reviews.
11234 El Camino Real, San Diego, CA 92130, USAEncinitas 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, USAMortgage 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 | Greg Wynn - Mortgage Broker514 Via De La Valle UNIT 202, Solana Beach, CA 92075, USA | 5.0★ | 138 |
| #5 | Laura Silva- APM - Encinitas, American Pacific Mortgage, Inc.527 Encinitas Blvd STE 202, Encinitas, CA 92024, USA | 5.0★ | 59 |
| #6 | Kolby Gibson- APM- Encinitas / American Pacific Mortgage, Inc.515 Encinitas Blvd #202, Encinitas, CA 92024, USA | 5.0★ | 51 |
| #7 | Rob Coury at Guaranteed Rate Affinity (NMLS #242966)1472 Encinitas Blvd, Encinitas, CA 92024, USA | 5.0★ | 10 |
| #8 | Zachary Taylor at CrossCountry Mortgage, LLC322 Encinitas Blvd #170, Encinitas, CA 92024, USA | 5.0★ | 83 |
| #9 | BluPrint Home Loans607 N Vulcan Ave Unit 6, Encinitas, CA 92024, USA | 4.9★ | 155 |
| #10 | Marc Datnow at Rate (NMLS #1707820)617 Saxony Pl #101, Encinitas, CA 92024, USA | 5.0★ | 20 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Mortgage Brokers in Encinitas
514 Via De La Valle UNIT 202, Solana Beach, CA 92075, 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
607 N Vulcan Ave Unit 6, Encinitas, CA 92024, USA
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
527 Encinitas Blvd STE 202, Encinitas, CA 92024, USA
208 W J St, Encinitas, CA 92024, USA
1084 N El Camino Real B138, Encinitas, CA 92024, USA
144 W D St Suite 115, 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 | RWM Home Loans | 92/100 | 5.0 ★ | 713 |
| 2 | Dave Pennington at CrossCountry Mortgage | 100/100 | 5.0 ★ | 266 |
| 3 | Hougard Loans, Bayshore Home Loans | 98/100 | 5.0 ★ | 181 |
| 4 | Greg Wynn - Mortgage Broker | 97/100 | 5.0 ★ | 138 |
| 5 | Laura Silva- APM - Encinitas, American Pacific Mortgage, Inc. | 92/100 | 5.0 ★ | 59 |
| 6 | Kolby Gibson- APM- Encinitas / American Pacific Mortgage, Inc. | 91/100 | 5.0 ★ | 51 |
| 7 | Rob Coury at Guaranteed Rate Affinity (NMLS #242966) | 83/100 | 5.0 ★ | 10 |
| 8 | Zachary Taylor at CrossCountry Mortgage, LLC | 94/100 | 5.0 ★ | 83 |
| 9 | BluPrint Home Loans | 96/100 | 4.9 ★ | 155 |
| 10 | Marc Datnow at Rate (NMLS #1707820) | 87/100 | 5.0 ★ | 20 |
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