About Carlson Lending Team

Different strengths. A shared commitment.

We believe a mortgage experience should leave you feeling informed, respected, and well served. That belief shapes both the conversations we have and the business we are building.

Rooted in San Diego

A long-running partnership.
A thoughtful way to work.

Kim and Rob Carlson bring different experiences to the same purpose: helping people make clearer mortgage decisions. Kim brings the lending judgment and client guidance. Rob brings the systems, technology, and communication that support the experience.

As mortgage brokers, we can compare relevant options from multiple lenders. That choice matters most when it comes with a candid explanation of costs, limitations, and what fits your priorities.

Co-founder & Lead Loan Originator

Kim Carlson

Experienced mortgage judgment. A warm, direct conversation.

Kim’s background spans bank lending and independent mortgage brokerage, with experience across changing housing and mortgage markets.

She leads borrower conversations, explains loan choices, and guides the work from application through closing. Her focus is making the details understandable while keeping your priorities at the center of the process.

You should be able to ask about the drawbacks as comfortably as the benefits. Kim believes both belong in the same conversation.

Bring Kim your questions

Co-founder · Strategy, Marketing & Technology

Rob Carlson

Better systems. More room for human service.

Rob’s career has crossed aviation, technology sales, web development, and marketing. The common thread is noticing where a process or explanation could work better—and building a practical improvement.

At Carlson Lending Team, Rob leads strategy, content, technology, AI experimentation, and professional relationship development. Those efforts support Kim’s mortgage work and the experience clients have with the team.

He also shares what the team is learning with professional peers. Useful education and conversation are available independently of referrals.

Our approach to professional relationships

Loan Processing

Michael Mardesich

Michael ensures that every application moves from start to finish with precision. His attention to detail and deep understanding of compliance requirements mean our clients enjoy a seamless and timely closing process.

One shared standard

You should feel served.

That means explaining the jargon, making tradeoffs visible, and being comfortable saying when a loan may not fit. It also means being a resource before you are ready to move forward and after a transaction is complete.

See how we work

Whenever you’re ready

Let’s make room
for your questions.

You don’t need all the answers to start a conversation. Just bring what’s on your mind.

Ask Kim a question 858-729-4688

A conversation, at your pace.