Onda Lending, Inc.
Established 2025

Mortgage Brokerage in Encinitas, CA.

Onda Lending has been founded by 3 longtime industry veterans: Joshua Rytz, Rachel Fransen, and Mischa Rytz. Together, we have over 70 years of mortgage industry experience starting from the ground up.
We are a full-service mortgage brokerage built on experience, resilience, and the belief that every client’s journey is unique.
Whether you’re buying your first home, refinancing, or exploring investment opportunities, we are here to guide you with clarity, care, and dedication.

Onda Lending

Josh Rytz

This department is responsible for strategic decision-making and overall management of the organization.

Onda Lending

Org chart

Teams

Executive Leadership

Offices

Onda Lending

Org chart

Teams

Executive Leadership

Offices

Related companies