Del Mar, CA

Let’s talk! Contact me now

Let’s talk! Contact me now

Ed Quinby

NMLS ID#223545
Phone: 619-665-7806

Del Mar Branch
445 Marine View Avenue, Suite 200
Del Mar, CA 92014

Ed Quinby

Senior Loan Officer

Choosing the right Mortgage professional means more than simply finding the lowest quote on a 30-year fixed program.  With the housing and mortgage markets constantly changing, receiving the right guidance through education and custom strategic planning from an advisor you can trust is paramount to ensuring you have the most efficient mortgage plan designed for you and your family. It isn’t every day you purchase a home or refinance so ensuring it is done right the first time is essential to the well-being of your finances.

Ed Quinby and Toby Tollack have built a team dedicated to assisting Homeowners for over 18 years. As Senior Loan Officers at CalPacific, a Division of Bay Equity Home Loans, Ed and Toby have been recognized year after year for leading achievements in the lending industry as top producers in their field.

Ed and Toby have been recognized in the TOP 1% of Mortgage Originators Nationwide (Source: Mortgage Executive Magazine 2012-2017.)

Their philosophy and goal is to present you with the best mortgage options available for your personal situation. They specialize in all aspects of Residential Lending including purchases, refinancing, govt- FHA/VA, jumbo, investment, portfolio lending, etc. 

With their extensive knowledge and experience of the industry, guidelines and loan programs and their personalized attention to detail, Ed and Toby have grown their business and team significantly. Their reputation is built on first class personalized service,  providing  the most competitive rates and pricing while also offering creative solutions to complex loan structures. Additionally, they’re able to broker to over 50 mortgage lenders which gives them a unique ability to give you many niche financing options. Developing trust with their clients is how they earn their business. Communication, great service and guaranteed on-time closings is why their clients keep coming back!

Everyone on their team (all in-house) from the processors to underwriters –have the same focus, on-time and accurate closings on a loan product that is just right for you.

Bay Equity Home Loans is a full-service retail direct mortgage lending institution founded and headquartered in the heart of San Francisco’s Financial District. In 2011 and 2012, San Francisco Business Times named Bay Equity among its "Top 100 Fastest-Growing Private Companies" in the Bay Area. Bay Equity also has operations centers in Concord, CA; Corona, CA; Lake Forest, CA; Portland, OR; Tacoma, WA and Everett, WA along with 64 retail branch offices on the West Coast. 


Let’s talk! Contact me now


“My team and I have been working with Ed for over 13 years and I can say without hesitation that Ed gets the job done. He has been our consistent go to person for our clients. ”

Dennis D. - 6/5/15

“I have had the opportunity to work with Ed and have found him to be a cut above in his approach to his clients. Ed truly believes in deepening his relationships by providing the best tools and resources available. He has an amazing strategic business mind and is extremely dedicated to walking the walk when it comes to customer service. He puts his clients first and delivers on his promises. ”

Brian T. - 8/18/15

“Ed recently helped with a home mortgage. He was the most thoughtful, engaged, and professional broker I have ever worked with. My loan was very complicated due to my unique financial situation. Owning multiple companies, in process selling a company, and having just started a new job. He worked overtime navigating the process for me - and did a GREAT job. I would highly recommend Ed for any of your loan needs. ”

Dominic Z. - 8/21/15

“Ed has been my go to guy for 5 years in helping navigate and finance my personal adventures in the California, specifically San Diego, real estate market. He brings experience and a network of professionals that will painlessly help close your real estate deal as he did for us in our current house”

Andrew E. - 8/24/15

“Ed has the perfect blend of professionalism, follow-through and personality. He recently helped me in my home-buying and did far more than secure a good mortgage for me. Ed was incredibly responsive and supportive throughout the entire process and is a shining example of exemplary customer service. I wholeheartedly recommend Ed's services, and will not hesitate to use him for any future needs. ”

Matt S. - 9/14/15

“Ed has been my go to lender for the past 15 years. He is one of the leading loan originators in the greater San Diego area and has a vast knowledge on wholesale programs, as well as how underwriters approve loans. He is the professional that you need on your side. ”

Pete M. - 9/14/15

“Ed was an unbelievable resource when we bought our home. He really worked with us on our mortgage planning and was very responsive and knowledgeable. Not only did he show amazing efficiency, he and his team were courteous and a joy to work with. I felt completely taken care of and trust him completely. Would highly recommend his services to anyone! ”

Shannon N. - 9/16/15

“I have known Ed since first obtaining my Real Estate license in 2007. I have always referred my clients to him, and have entrusted him with my personal loans as well. He is highly knowledgeable, well qualified, and can work around problems and thinks outside the box....a must in this tight lending market. I highly recommend him. ”

Justin D. - 9/21/15

“Ed Quinby was recommended to me several years ago. He provides Concierge Level Service and has assisted many of our friends, colleagues and family with their home purchases and refinancing over the years. Ed has maximized our financial health while lowering our overall expenses. Ed Quinby is a World Class Lender! ”

Nicole W. - 9/29/15

“Ed has been fantastic to work with, his team made my house purchase completely effortless. I would highly recommend Ed to anyone seeking a mortgage broker. ”

Ivan B. - 11/13/15

“I was a first time home buyer going through a credit union for a loan. When the CU was unable to confirm if they were going to make the close of escrow the seller desired. Ed, came recommended by my realtor. This was a smart move we got the house due to his advice and underwriting team. He is very professional gives you all the information needed and what to expect. I got a better loan, done faster with peace of mind. I would highly recommend using him as your lender and I will again. Thanks Ed”

Christopher F. - 3/16/16

“Ed is an amazing lender. After years of having used USAA Lending Services for new home financing purchases, we finally decided to seek out a local lender. This was by far the best decision we could have ever made. Having just moved to California following my husband's military retirement, we needed a lender that could work with our needs for a VA loan and traditional financing. Ed was attentive, responsive and helped make the financing process easy and stress free. With Ed's guidance, we had no problem getting pre-approved for a loan and closing on our new home in 30 days. I highly recommend Ed and look forward to doing business with him again in the future! ”

Grace W. - 9/21/16

“Ed and his team found the best options for our recent refinancing. He also secured our initial mortgage when we first purchased our home. He and his team are available all the time and close loans much faster than the big banks. So, you are getting the best financing with great customer service and the quickest close. ”

Aaron G. - 11/15/16

“Ed has helped me obtain a mortgage for my last two houses. Both were under difficult circumstances but Ed came through with great options, great rates, and with plenty of time to spare within the escrow schedule. Ed is super responsive and provided great recommendations for all my queries. Even my realtor and the escrow company were impressed with Ed and heaped praises unsolicited saying Ed made the closing one of the easiest ever. I recommend Ed for all your mortgage needs. ”

Hwa Lee - 11/22/16

“ I can't thank you enough for the superior job you did on my client's loan in Lafayette California. Not only was every deadline met but each and every task was completed prior to the due date. Quit unusual in this market. Your attention to detail and contact with me and my client was much appreciated. It was a delight to work with you and I look forward to referring you to other clients. ”

Susan L. - 1/2/17

“Ed was fantastic to work with when we purchased our home. What they don't tell you when you buy a home is out stressful it can be. You need lots of information and you need it in a timely manner. Ed helped make it a smooth process in the time frame we needed. What you really want out of a lender is to make your life easier when buying a home, not more complicated, and that's how Ed does business. Thank You Ed and your whole team!”

Bryan G. - 2/9/17

“Ed is amazing! We worked with him to get a loan for a house we recently purchased. He was able to make a complicated loan work and kept us informed the whole time. Ed is honest and upfront at all times. Also always accessible 24/7. I can't say enough about Ed. I would use him every time and would highly recommend his services without question to all of my family and friends!”

Jason V. - 5/9/17

“Ed is a pro at what he does. He is 100% customer centric focused, he's strategic, dedicated and his attention to detail is phenomenal. I worked with Ed on one loan where several lenders had turned me down, when I talked with Ed he said "we'll figure it out!" and he did!!! Ed is incredibly creative and truly understand what it is to think outside of the box. The second loan I worked with Ed on was a tremendous experience also. Ed is also remarkably responsive. He always gets back to his clients when they reach out with a question, which means you know you are in good hands. It takes a lot of anxiety out of the lending process for the client. I would recommend Ed to anyone I know (or don't know) as he understands his business completely and keeps up with all of the changing law constantly.”

Michelle S. - 5/17/17

“I have worked with Ed Quinby for several years now and give him my highest recommendation. First, he enabled me to successfully purchased a home ~2 years ago and most recently, complete a re-financing. In addition, for both transactions, he also obtained home equity lines of credit. Ed states on his LinkedIn that he does “Intelligent Mortgage Architecture by structuring creative solutions through sound financial strategies”—he does this superbly—and much more. Ed runs a shop that is highly efficient in their processes and most importantly, he makes you feel like “he’s got this” for you. This unwavering confidence by Ed is backed up with results—he delivers on what he says he can do. I have also enjoyed working with Ed because of his friendly demeanor that he balances with his exceptional expertise and knowledge of this space—this leads to him explaining in easy terms any aspect of the process that becomes unclear. Overall, Ed is really your “go-to” for obtaining a mortgage loan, and I greatly appreciate what he has done for me. ”

Mark E. - 5/18/17

“Ed was always available to take my calls and answer questions. He made sure the entire process of buying a house went smoothly. He was very professional and was able to get us great rates! I highly recommend Ed Quinby!”

Arisa O. - 5/19/17

“We recently bought our home this month with Bay Equity as our loan company. And all throughout our home buying period, we never experienced any problems with Bay Equity. They were actually outstanding! Great customer service, really fast turnaround time, very professional people! They delivered as promised. They actually exceeded our expectations. THANKS, BAY EQUITY!”

Melissa L.