Local Pros · Encinitas
Local Mortgage Brokers in Encinitas, CA
Locally owned and operated mortgage brokers serving Encinitas and the surrounding area. Supporting local businesses means faster response and accountability.
As of July 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
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.
Local Market Snapshot
16
Businesses listed
5★
Avg rating
122
Avg reviews
Jul 4, 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 | Laura Silva- APM - Encinitas, American Pacific Mortgage, Inc.527 Encinitas Blvd STE 202, Encinitas, CA 92024, USA | 5.0★ | 59 |
| #5 | Hargrave Home Loans - Mortgage Broker208 W J St, Encinitas, CA 92024, USA | 5.0★ | 35 |
| #6 | Greg Wynn - Mortgage Broker514 Via De La Valle UNIT 202, Solana Beach, CA 92075, USA | 5.0★ | 138 |
| #7 | Kolby Gibson- APM- Encinitas / American Pacific Mortgage, Inc.515 Encinitas Blvd #202, Encinitas, CA 92024, USA | 5.0★ | 51 |
| #8 | Zachary Taylor at CrossCountry Mortgage, LLC322 Encinitas Blvd #170, Encinitas, CA 92024, USA | 5.0★ | 83 |
| #9 | Rob Coury at Guaranteed Rate Affinity (NMLS #242966)1472 Encinitas Blvd, Encinitas, CA 92024, USA | 5.0★ | 10 |
| #10 | MyPrimeHomeLoan.com LLC1084 N El Camino Real B138, Encinitas, CA 92024, USA | 4.8★ | 32 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Encinitas
Encinitas mortgage broker with a perfect 5.0-star rating from 59 Google reviews.
527 Encinitas Blvd STE 202, Encinitas, CA 92024, USA
Exceptional 5.0-star rating from 35 Google reviews for a trusted Encinitas mortgage broker.
208 W J St, Encinitas, CA 92024, 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
5.0 stars from 51 reviews, reflecting exceptional client satisfaction in Encinitas.
515 Encinitas Blvd #202, Encinitas, CA 92024, USA
Exceptional 5.0-star rating from 83 Google reviews for Encinitas mortgage services.
322 Encinitas Blvd #170, Encinitas, CA 92024, USA
Consistently rated 5.0 stars from 10 Google reviews in Encinitas.
1472 Encinitas Blvd, Encinitas, CA 92024, USA
Trusted by 32 local clients, this Encinitas broker holds a stellar 4.8-star rating.
1084 N El Camino Real B138, Encinitas, CA 92024, USA
Encinitas mortgage broker with a 4.6-star rating from 21 online reviews.
326 Encinitas Blvd Suite 200, Encinitas, CA 92024, USA
Exceptional 5.0-star rating from 13 reviews for mortgage services in Encinitas.
662 Encinitas Blvd Ste. 201, Encinitas, CA 92024, USA
5.0 stars from 11 Google reviews for this Encinitas mortgage broker.
527 Encinitas Blvd STE 202, 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
Encinitas mortgage broker with a perfect 5.0-star rating from 20 reviews.
617 Saxony Pl #101, Encinitas, CA 92024, USA
Hundreds of reviews rate this Encinitas mortgage broker a perfect 5.0 stars.
144 W D St Suite 115, Encinitas, CA 92024, USA
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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 | Laura Silva- APM - Encinitas, American Pacific Mortgage, Inc. | 92/100 | 5.0 ★ | 59 |
| 5 | Hargrave Home Loans - Mortgage Broker | 89/100 | 5.0 ★ | 35 |
| 6 | Greg Wynn - Mortgage Broker | 97/100 | 5.0 ★ | 138 |
| 7 | Kolby Gibson- APM- Encinitas / American Pacific Mortgage, Inc. | 91/100 | 5.0 ★ | 51 |
| 8 | Zachary Taylor at CrossCountry Mortgage, LLC | 94/100 | 5.0 ★ | 83 |
| 9 | Rob Coury at Guaranteed Rate Affinity (NMLS #242966) | 83/100 | 5.0 ★ | 10 |
| 10 | MyPrimeHomeLoan.com LLC | 86/100 | 4.8 ★ | 32 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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: July 4, 2026.
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