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Mortgage Lenders and Brokers in Encinitas, California

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Encinitas, California mortgage lenders include US Bank, N.A.US Bank, N.A.247 N El Camino Real, Encinitas, CA 92024A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA105 N El Camino Real, Encinitas, CA 92024A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA687 S Coast Highway 101 Ste 151, Encinitas, CA 92024A+5.0 ★Texas Ratio: 5.36%, Bank of America NABank of America NA1340 Encinitas Blvd, Encinitas, CA 92024A+5.0 ★Texas Ratio: 4.14%, Citibank, NACitibank, NA109 N El Camino Real, Encinitas, CA 92024A+5.0 ★Texas Ratio: 2.82%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.135 Saxony Rd, Encinitas, CA 92024A+5.0 ★Texas Ratio: 3.72%, Mission Federal Credit UnionMission Federal Credit Union294 N El Camino Real, Encinitas, CA 92024A+5.0 ★Texas Ratio: 0.79%, BMO Harris Bank NABMO Harris Bank NA855 W Valley Blvd, Alhambra, CA 91803A+5.0 ★Texas Ratio: 3.54%, Flagstar Bank NAFlagstar Bank NA10474 Rancho Rd, Adelanto, CA 92301D3.3 ★Texas Ratio: 35.11%, and Sofi Bank, National AssociationSofi Bank, National Association9960 Live Oak Blvd, Live Oak, CA 95953A+5.0 ★Texas Ratio: 0.51%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Encinitas, California in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Encinitas are listed first, then lenders elsewhere in California, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Encinitas, California

Market share is the lender's share of all home loans closed in Encinitas, California. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
US Bank, N.A. 3 offices in Encinitas 247 N El Camino Real, Encinitas, CA 92024 A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo, HELOC	36 +32 HELOCs	5.5%	85.7%	$1,281,666	View
JPMorgan Chase Bank, NA 2 offices in Encinitas 105 N El Camino Real, Encinitas, CA 92024 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	32 +2 HELOCs	4.9%	100%	$1,934,375	View
Wells Fargo Bank NA 1 office in Encinitas 687 S Coast Highway 101 Ste 151, Encinitas, CA 92024 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	27	4.1%	81.8%	$1,799,814	View
Bank of America NA 1 office in Encinitas 1340 Encinitas Blvd, Encinitas, CA 92024 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	20 +37 HELOCs	3.1%	90.9%	$1,454,500	View
Citibank, NA 1 office in Encinitas 109 N El Camino Real, Encinitas, CA 92024 A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	9 +1 HELOCs	1.4%	81.8%	$1,567,222	View
Zions Bancorporation, N.A. 1 office in Encinitas 135 Saxony Rd, Encinitas, CA 92024 A+5.0 ★Texas Ratio: 3.72%	Conventional, Jumbo, HELOC	3 +7 HELOCs	0.5%	75%	$1,855,000	View
Mission Federal Credit Union 294 N El Camino Real, Encinitas, CA 92024 A+5.0 ★Texas Ratio: 0.79%	Conventional, Jumbo, HELOC	8 +40 HELOCs	1.2%	100%	$1,176,250	View
BMO Harris Bank NA 855 W Valley Blvd, Alhambra, CA 91803 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	8 +3 HELOCs	1.2%	88.9%	$1,591,250	View
Flagstar Bank NA 10474 Rancho Rd, Adelanto, CA 92301 D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo, HELOC	8 +1 HELOCs	1.2%	88.9%	$1,780,000	View
Sofi Bank, National Association 9960 Live Oak Blvd, Live Oak, CA 95953 A+5.0 ★Texas Ratio: 0.51%	Conventional	7	1.1%	87.5%	$179,285	View
San Diego County Credit Union 501 N El Camino Real, Encinitas, CA 92024 A+5.0 ★Texas Ratio: 0.52%	Conventional, Jumbo, HELOC	6 +7 HELOCs	0.9%	54.5%	$491,666	View
Synergy One Lending, Inc. 9600 Ming Ave Ste 146, Bakersfield, CA 93311	Conventional, Jumbo	6	0.9%	87.5%	$1,088,333
Axos Bank 4350 La Jolla Village Dr, San Diego, CA 92122 A+5.0 ★Texas Ratio: 3.94%	Conventional, Jumbo	4	0.6%	100%	$5,087,500	View
California Credit Union 633 E UNIVERSITY DR STE A, CARSON, CA 90746 1973 A+5.0 ★Texas Ratio: 2.90%	Conventional, Jumbo	3	0.5%	75%	$1,471,666	View
Change Lending 116 S Cloverdale Blvd, Cloverdale, CA 95425 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	3	0.5%	75%	$1,775,000	View
California Coast Credit Union 429 Santa Fe Dr, Encinitas, CA 92024 A+5.0 ★Texas Ratio: 1.25%	Conventional, HELOC	2 +16 HELOCs	0.3%	100%	$170,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1329 Broadway Ave, Atwater, CA 95301 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	2 +5 HELOCs	0.3%	100%	$1,920,000	View
Mypoint Credit Union 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional, HELOC	2 +3 HELOCs	0.3%	100%	$830,000	View
The Golden 1 Credit Union 8727 El Camino Real, Atascadero, CA 93422 A+5.0 ★Texas Ratio: 5.50%	Conventional, HELOC	2 +2 HELOCs	0.3%	100%	$985,000	View
Frontwave Credit Union 995 Armory Rd, Barstow, CA 92311 A+5.0 ★Texas Ratio: 5.74%	Conventional, Jumbo, HELOC	2 +2 HELOCs	0.3%	100%	$1,165,000	View
Citizens Bank, NA 750 Redwood Hwy Frontage Rd Suite 1218, Mill Valley, CA 94941 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	2 +1 HELOCs	0.3%	100%	$2,345,000	View
Bny Mellon, N.A. 2029 Century Park E, Los Angeles, CA 90067 A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	2	0.3%	100%	$1,835,000	View
Point Mortgage Corp 2610 El Camino Real Unit A, Carlsbad, CA 92008 1214 A+5.0 ★Texas Ratio: 2.57%	Conventional, Jumbo	2	0.3%	100%	$2,200,000	View
Patelco Credit Union 2033 Kala Bagai Way, Berkeley, CA 94704 A5.0 ★Texas Ratio: 6.65%	Conventional	2	0.3%	100%	$420,000	View
Wheelhouse Credit Union 344 F St, Chula Vista, CA 91910 2645 A+5.0 ★Texas Ratio: 1.23%	Conventional, HELOC	1 +2 HELOCs	0.2%	100%	$195,000	View
City National Bank 2401 E Katella Ave, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 5.55%	Conventional, Jumbo, HELOC	1 +2 HELOCs	0.2%	20%	$1,615,000	View
First Ciitizens Bank and Trust 5701 Kanan Rd, Agoura Hills, CA 91301 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.2%	100%	$2,005,000	View
Keypoint Credit Union 10815 N Wolfe Rd Ste 100, Cupertino, CA 95014 0611 A+5.0 ★Texas Ratio: 3.00%	Conventional	1	0.2%	100%	$405,000	View
MidFirst Bank 16633 Ventura Blvd, Encino, CA 91436 A+5.0 ★Texas Ratio: 4.93%	Conventional, Jumbo	1	0.2%	100%	$3,705,000	View
Orange County'S FCU 2390 E Orangewood Ave Ste 106, Anaheim, CA 92806 A+5.0 ★Texas Ratio: 4.43%	Conventional	1	0.2%	100%	$865,000	View
San Francisco Fire Credit Union 3201 California St, San Francisco, CA 94118 1903 A+5.0 ★Texas Ratio: 3.32%	Conventional, Jumbo	1	0.2%	100%	$2,225,000	View
Mechanics Bank 801 San Pablo Ave, Albany, CA 94706 A+5.0 ★Texas Ratio: 1.81%	Conventional	1	0.2%	33.3%	$555,000	View
Provident Credit Union 2250 S Shore Ctr Ste C, Alameda, CA 94501 A+5.0 ★Texas Ratio: 0.49%	Conventional, Jumbo	1	0.2%	100%	$1,685,000	View
Schoolsfirst FCU 590 N Euclid St, Anaheim, CA 92801 A+5.0 ★Texas Ratio: 5.56%	HELOC	0 +6 HELOCs	0%	n/a		View
Wescom Central Credit Union ★ 5 stars, 1 review 5601 E La Palma Ave, Anaheim, CA 92807 A+5.0 ★Texas Ratio: 2.66%	HELOC	0 +4 HELOCs	0%	n/a		View
Banner Bank 5901 Priestly Dr, Carlsbad, CA 92008 A+5.0 ★Texas Ratio: 2.91%	HELOC	0 +2 HELOCs	0%	0%		View
Columbia Bank 3700 Lone Tree Way, Antioch, CA 94509 A+5.0 ★Texas Ratio: 2.28%	HELOC	0 +1 HELOCs	0%	n/a		View
First Bank 1211 E Valley Blvd, Alhambra, CA 91801 A+5.0 ★Texas Ratio: 4.74%	HELOC	0 +1 HELOCs	0%	n/a		View
Kinecta Federal Credit Union 1040 E Imperial Hwy Ste F3, Brea, CA 92821 A+5.0 ★Texas Ratio: 3.82%	HELOC	0 +1 HELOCs	0%	n/a		View
Premier America Credit Union 521 N Hollywood Way Ste E, Burbank, CA 91505 4984 A5.0 ★Texas Ratio: 13.97%	HELOC	0 +1 HELOCs	0%	n/a		View
Oceanair Federal Credit Union 300 Arneill Rd, Camarillo, CA 93010 A+5.0 ★Texas Ratio: 5.19%	HELOC	0 +1 HELOCs	0%	n/a		View
Pennymac Loan Services LLC	Conventional, VA, Jumbo	15	2.3%	83.3%	$1,085,000
Nexera Holding LLC	Conventional, Jumbo	9	1.4%	81.8%	$1,821,666
Residential Wholesale Mortgage	Conventional, VA, Jumbo	5	0.8%	100%	$1,075,000
Fundloans Capital	Conventional, Jumbo	5	0.8%	100%	$1,019,000
Stg Mortgage Inc	Conventional, Jumbo	5	0.8%	100%	$1,765,000
American Pacific Mortgage Corporation	Conventional, Jumbo	5	0.8%	100%	$905,000
AmWest Funding Corp	Conventional, Jumbo, HELOC	4 +3 HELOCs	0.6%	100%	$925,000
Kind Lending, LLC	Conventional, Jumbo, HELOC	4 +1 HELOCs	0.6%	100%	$687,500
Cornerstone First Mortgage, LLC	Conventional, Jumbo	4	0.6%	100%	$1,125,000
Alameda Mortgage Corporation	Conventional	3	0.5%	100%	$821,666
loanDepot.com LLC	Conventional, Jumbo	3	0.5%	75%	$531,666
Franklin Loan Corporation	Conventional, Jumbo	3	0.5%	100%	$1,791,666
New American Funding, LLC.	Conventional	3	0.5%	75%	$968,333
Plaza Home Mortgage, Inc	Conventional, VA, Jumbo	3	0.5%	100%	$1,055,000
MortgageOne, Inc	Conventional	2	0.3%	100%	$475,000
Resicentral LLC	Conventional, Jumbo	2	0.3%	100%	$985,000
AdvantageFirst Lending Inc	VA	2	0.3%	66.7%	$485,000
Ocmbc, Inc. A5.0 ★Texas Ratio: 8.76%	Conventional	2	0.3%	100%	$645,000	View
Lendsure Mortgage Corp.	Conventional, Jumbo	2	0.3%	100%	$1,280,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.2%	50%	$1,005,000
5Th Sreet Capital Inc.	Conventional	1	0.2%	100%	$545,000
Bridgeway Lending Partners, LLC	Conventional, Jumbo	1	0.2%	100%	$1,095,000
Guild Mortgage Company	Conventional	1	0.2%	100%	$125,000
American Financial Network, Inc.	Conventional, Jumbo	1	0.2%	100%	$1,825,000
HomeXpress Mortgage Corp.	Conventional, Jumbo	1	0.2%	100%	$1,505,000
PFN Lending Group, Inc.	Conventional	1	0.2%	100%	$925,000
Residential First Capital	Conventional	1	0.2%	100%	$265,000
Royal Pacific Funding	Conventional	1	0.2%	100%	$965,000
JMJ Financial Group Inc.	VA, Jumbo	1	0.2%	100%	$1,895,000
New Wave Lending Group Inc	Conventional	1	0.2%	100%	$1,245,000
Flexpoint, Inc.	Conventional	1	0.2%	100%	$415,000
San Diego Funding	Conventional	1	0.2%	100%	$875,000
Provident Funding Associates	Conventional	1	0.2%	100%	$315,000
Hometown Equity Mortgage, LLC	Conventional	1	0.2%	100%	$765,000
Southland Credit Uniom	Conventional, Jumbo	1	0.2%	100%	$1,295,000
Citadel Servicing Corporation	Conventional, Jumbo	1	0.2%	100%	$1,825,000
Nmsi, Inc.	Conventional	1	0.2%	100%	$655,000
Carrington Mortgage Services LLC	Conventional, Jumbo	1	0.2%	100%	$2,305,000
Vista Point Mortgage, LLC	Conventional, Jumbo	1	0.2%	100%	$705,000
Cake Mortgage Corp.	Conventional, Jumbo	1	0.2%	33.3%	$1,245,000
JMAC Lending, Inc.	Conventional	1	0.2%	100%	$505,000
Figure Lending LLC	HELOC	0 +11 HELOCs	0%	n/a
Financial Partners Credit Unio	HELOC	0 +2 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a
United Wholesale Mortgage	Conventional, VA, Jumbo, HELOC	79 +16 HELOCs	12.1%	94.1%	$1,088,417
Rocket Mortgage	Conventional, Jumbo, HELOC	48 +1 HELOCs	7.4%	85.2%	$737,083
CrossCountry Mortgage, LLC	Conventional, Jumbo, HELOC	30 +2 HELOCs	4.6%	100%	$1,164,333
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo, HELOC	19 +1 HELOCs	2.9%	100%	$1,456,578	View
The Loan Store, Inc	Conventional, Jumbo, HELOC	13 +2 HELOCs	2%	93.8%	$940,384
Guaranteed Rate, Inc.	Conventional, Jumbo, HELOC	10 +2 HELOCs	1.5%	91.7%	$1,200,000
Fairway Independent Mort Corp	Conventional, Jumbo	9	1.4%	100%	$977,222
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	8	1.2%	100%	$1,973,750	View
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, VA, Jumbo, HELOC	7 +2 HELOCs	1.1%	100%	$1,155,000	View
Originpoint, LLC	Conventional, VA, Jumbo	7	1.1%	100%	$1,455,000
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	7	1.1%	100%	$623,571
Newrez LLC	Conventional, Jumbo	7	1.1%	77.8%	$916,428
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	7	1.1%	70%	$1,259,285	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	7	1.1%	100%	$2,277,857	View
Logan Finance Corporation	Conventional, Jumbo	6	0.9%	85.7%	$2,176,666
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, Jumbo, HELOC	5 +7 HELOCs	0.8%	62.5%	$357,000
Prosperity Home Mortgage, LLC	Conventional, Jumbo	5	0.8%	83.3%	$1,015,000
Spring Eq, LLC	Conventional, HELOC	4 +4 HELOCs	0.6%	46.2%	$285,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	3 +8 HELOCs	0.5%	80%	$158,333	View
Better Mortgage Corporation	Conventional, HELOC	3 +1 HELOCs	0.5%	75%	$498,333
First Colony Mortgage Corporat	Conventional	3	0.5%	100%	$518,333
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	2	0.3%	100%	$780,000	View
Freedom Mortgage Corporation	Conventional	2	0.3%	80%	$685,000
Amerisave Mortgage Company	Conventional	2	0.3%	33.3%	$715,000
Nqm Funding, LLC	Conventional, Jumbo	2	0.3%	100%	$2,850,000
Bay Equity LLC	Conventional, Jumbo	2	0.3%	100%	$805,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	2	0.3%	100%	$695,000	View
Nationstar Mortgage	Conventional	2	0.3%	50%	$175,000
Mit Federal Credit Union	Conventional	2	0.3%	100%	$530,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	2	0.3%	100%	$4,045,000	View
Tomo Mortgage LLC	Conventional	2	0.3%	100%	$700,000
Champions Funding, LLC	Conventional	2	0.3%	40%	$735,000
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	1 +8 HELOCs	0.2%	100%	$2,635,000	View
Alliant Credit Union	Conventional, HELOC	1 +5 HELOCs	0.2%	100%	$805,000
HomeBridge Financial Services, Inc	Conventional, HELOC	1 +2 HELOCs	0.2%	100%	$305,000
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 0.01%	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$855,000	View
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.2%	100%	$1,305,000	View
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.2%	100%	$2,825,000	View
First Technology Federal Credit Union	Conventional, HELOC	1 +1 HELOCs	0.2%	100%	$335,000
Arc Home LLC	Conventional	1	0.2%	100%	$915,000
Primelending	Conventional	1	0.2%	100%	$445,000
Lakeview Loan Servicing, LLC	Conventional	1	0.2%	50%	$105,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	1	0.2%	100%	$1,945,000	View
Filo Mortgage, LLC	Conventional	1	0.2%	100%	$505,000
Deephaven Mortgage LLC	Conventional	1	0.2%	20%	$355,000
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional, Jumbo	1	0.2%	100%	$2,705,000	View
Emporium Tpo LLC	Conventional, Jumbo	1	0.2%	100%	$3,005,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.2%	100%	$965,000	View
Discover Bank	Conventional	1	0.2%	25%	$125,000
Intercap Lending Inc	Conventional	1	0.2%	100%	$585,000
Great Southern Bank A+5.0 ★Texas Ratio: 1.55%	Conventional	1	0.2%	100%	$505,000	View
Congressional Federal Credit Union	Conventional	1	0.2%	100%	$275,000
Ameritrust Mortgage Corporation	Conventional	1	0.2%	100%	$605,000
Teachers Federal Credit Union	Conventional, Jumbo	1	0.2%	100%	$1,245,000
Mortgage Research Center	VA, Jumbo	1	0.2%	100%	$1,305,000
America First Federal Credit Union A5.0 ★Texas Ratio: 8.33%	Conventional, Jumbo	1	0.2%	100%	$1,705,000	View
V.I.P. Mortgage, Inc.	Conventional, Jumbo	1	0.2%	100%	$1,505,000
Mutual of Omaha Mortgage	Conventional	1	0.2%	50%	$775,000
21St Mortgage	Conventional	1	0.2%	33.3%	$205,000
Angel Oak Mortgage Solutions LLC	Conventional, Jumbo	1	0.2%	100%	$2,465,000
Ark-La-Tex Financial Services LLC	VA	1	0.2%	100%	$705,000
Luxury Mortgage Corp.	Conventional, Jumbo	1	0.2%	100%	$3,495,000
Old Second National Bank A5.0 ★Texas Ratio: 6.17%	Conventional	1	0.2%	100%	$705,000	View
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0.2%	100%	$545,000	View
Quorum Federal Credit Union	HELOC	0 +6 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +6 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +4 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +3 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
HomeTrust Bank A+5.0 ★Texas Ratio: 5.53%	HELOC	0 +2 HELOCs	0%	n/a		View
Tower Federal Credit Union A+5.0 ★Texas Ratio: 1.59%	HELOC	0 +1 HELOCs	0%	n/a		View
Oaktree Funding Corp	HELOC	0 +1 HELOCs	0%	100%
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	HELOC	0 +1 HELOCs	0%	n/a		View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	HELOC	0 +1 HELOCs	0%	n/a		View
Longbridge Financial, LLC	HELOC	0 +1 HELOCs	0%	n/a
Lower, LLC	HELOC	0 +1 HELOCs	0%	n/a
Consumers Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Encinitas Mortgage Rate Trends

Daily average mortgage rates for California compared with the national average, updated every evening.

30-Year Fixed CA Avg

7.345%

▲ 0.089 vs 7 days ago

15-Year Fixed CA Avg

6.901%

▲ 0.040 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Encinitas, California

Looking for mortgage lenders near me or mortgage brokers near me in Encinitas? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Encinitas in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Encinitas, CA

Use these to narrow the list above. Each category shows how many Encinitas, CA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 88 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 40 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 35 lenders. Member owned, often lower fees and flexible underwriting for members VA lenders 10 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 79 lenders. Loans above the conforming limit for higher priced homes Local lenders based in CA 69 lenders headquartered in California, the closest thing to a mortgage lender near you

Who Lends in Encinitas, CA

Independent mortgage companies closed 59 percent of home loans in Encinitas, California in 2025, banks 33.8 percent and credit unions 7.2 percent. Synergy One Lending, Inc. was the largest mortgage company, US Bank, N.A. the largest bank and Mission Federal Credit Union the largest credit union. Among lenders headquartered in California, Bank of America NA led with 20 loans.

59%

Mortgage companies

33.8%

Banks

7.2%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in California. County documentary transfer tax of $1.10 per $1,000 (0.11 percent), with many cities adding their own transfer tax (for example San Francisco and Los Angeles at much higher rates); no mortgage recording tax.

More California Mortgage Lender Pages

All California lenders 861 lenders Los Angeles 480 lenders San Diego 411 lenders San Jose 294 lenders Fresno 260 lenders San Francisco 277 lenders Sacramento 300 lenders Bakersfield 258 lenders Menifee 239 lenders Long Beach 284 lenders Oakland 265 lenders Santa Clarita 265 lenders Stockton 212 lenders

Frequently Asked Questions About Mortgage Lenders in Encinitas, CA

Who is the largest mortgage lender in Encinitas, CA?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Encinitas, California with 36 loans, about 5.5 percent of the market. The largest lender headquartered in California was Bank of America NA with 20 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Encinitas, CA have the highest approval rates?

Among lenders with meaningful volume in Encinitas, California, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 94.1 percent, against a 86.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Encinitas, CA lender list?

Yes. 40 banks and 35 credit unions closed home loans in Encinitas, California in 2025, alongside 88 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Encinitas, CA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Encinitas, California during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Encinitas, California for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Encinitas. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.