Top 3 Mortgage Lenders in Encinitas

Mission San Diego Mortgage is a top-rated local mortgage broker with deep roots in the Encinitas community. With perfect 5-star ratings across multiple platforms, they specialize in personalized service and finding the best loan options for North County San Diego homebuyers. Their team has extensive experience with coastal property financing and offers competitive rates on conventional, jumbo, and government-backed loans. Their local expertise and commitment to customer satisfaction make them a premier choice for Encinitas home financing.

As one of San Diego's oldest and most trusted financial institutions, California Coast Credit Union has a strong presence in Encinitas with a local branch and dedicated mortgage team. They offer competitive rates and exceptional member service, with particular strength in first-time homebuyer programs and jumbo loans suitable for Encinitas' premium housing market. Their not-for-profit structure often results in lower fees and better terms than traditional banks, and their local loan decision-making ensures responsive service.

New American Funding has a strong local presence in North County San Diego with a Carlsbad office that actively serves Encinitas homebuyers. As a direct lender with in-house underwriting and funding, they offer faster closing times and competitive rates. They're particularly noted for their diverse loan programs and excellent service for self-employed borrowers and those with unique financial situations. Their local team understands the specific challenges and opportunities of the Encinitas real estate market.