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Find Mortgage Lenders in Carlsbad, CA

Directory of mortgage lenders in Carlsbad, California. Verify credentials with the state state mortgage licensing authority before hiring.

20 agents listed
Updated June 2026
Carlsbad, CA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of California before hiring.
Showing 20 mortgage lenders in Carlsbad, CA Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
MortgageOne, Inc.
2714 Loker Ave W #300, Carlsbad, CA 92010
(760) 607-6006 mortgageonehomeloans.com
DG Funding
1932 Kellogg Ave, Carlsbad, CA 92008
(877) 328-2285 dgfunding.com
Bay Equity Home Loans
1808 Aston Ave Suite 200A, Carlsbad, CA 92008
(760) 405-0711 bayequityhomeloans.com
Bluefire Mortgage Group
2121 Palomar Airport Rd Suite 150, Carlsbad, CA 92011
(760) 930-0569 bluefiremortgage.com
PGS Home Loans
5731 Palmer Way suite d, Carlsbad, CA 92010
(800) 277-3423 pgshomeloans.com
Mutual of Omaha Mortgage
2888 Loker Ave E Suite 320, Carlsbad, CA 92010
(760) 492-5650 mutualmortgage.com
RealMortgage
2173 Salk Ave Suite 250, Carlsbad, CA 92008
(888) 443-8902 realmortgageloans.com
Guild Mortgage - Julia Cruz
701 Palomar Airport Rd Suite 300, Office 49, Carlsbad, CA 92011
(619) 804-8443 branches.guildmortgage.com
Mission Pacific Mortgage
2888 Loker Ave E Suite 110, Carlsbad, CA 92010
(760) 438-4111 missionpacificmortgage.com
America One Mortgage Group
1902 Wright Pl #200, Carlsbad, CA 92008
(888) 942-5626 americaonemortgage.com
Scott Swartz @ Loan Advisor Group
2011 Palomar Airport Rd, Carlsbad, CA 92011
(858) 342-8898 loanadvisorgroup.com
Dan Chapman
1265 Carlsbad Village Dr #200, Carlsbad, CA 92008
(760) 454-0914 cmghomeloans.com
Katie Burciaga PGS Home Loans
5731 Palmer Way suite d, Carlsbad, CA 92010
(714) 746-1002 pgshomeloans.com
Greg Chigas PGS Home Loans
5731 Palmer Way suite d, Carlsbad, CA 92010
(619) 823-0913 pgshomeloans.com
Nick Boxberger - Mortgage Lender - All Western Mortgage, Sr Mortgage Expert NMLS#1386823
5927 Balfour Ct Suite 104, Carlsbad, CA 92008
(602) 317-1262 nickboxberger.com
Mortgage Broker Matt Moreno
1932 Kellogg Ave, Carlsbad, CA 92008
(619) 871-3948 dgfunding.com
Janus Mortgage
2588 El Camino Real, Carlsbad, CA 92008
(760) 720-1700 janusmortgage.net
Reverse Mortgage-Christina Harmes Group
3207 Grey Hawk Ct # 110, Carlsbad, CA 92010
(619) 993-3882 christinaharmes.com
America's Loan Advisors
701 Palomar Airport Rd #300, Carlsbad, CA 92011
(760) 280-2800 4loaninfo.com
Alex Covarrubias- West Capital Lending
5740 Fleet St #120, Carlsbad, CA 92008
(760) 707-2085 heloc.westcapitallending.com

What Does a Mortgage Lender in Carlsbad Cost?

Typical costs for a mortgage lender in California include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $500 to $700, and title insurance costs of $2,000 to $4,000. Closing costs generally range from 2% to 5% of the purchase price. These amounts vary based on loan type, property value, and lender policies. This is general information and not mortgage or financial advice.

* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.

Frequently Asked Questions

What documents do I need to apply for a mortgage in Carlsbad?
You typically need pay stubs, tax returns, bank statements, and identification. California lenders also require a signed application and a credit report authorization. Self employed borrowers may need additional profit and loss statements.
How long does a mortgage loan take to close in California?
A standard mortgage loan in California usually closes in 30 to 45 days. Some lenders offer faster timelines of 21 days for well qualified borrowers. Delays can occur if appraisals or title work take longer.
What is the California Finance Lender Law?
The California Finance Lender Law requires all mortgage lenders and brokers to be licensed by the Department of Financial Protection and Innovation. This law sets rules for loan disclosures, interest rates, and borrower protections. It helps ensure lenders follow state regulations.

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