Welcome To Local Lenders

The Local Lenders may be a new name, but its founders Ricky Araiza and Ryan Lyle are no strangers to the world of finance and mortgage originations. San Diego Natives and SDSU graduates with bachelor’s degrees specialized in finance, Ricky and Ryan combine their knowledge and experience of over 20 years in the lending industry to provide their clients world-class service. By surrounding themselves with the elite, they are able to provide top-level service, rates, and fees to each of their clients. Ricky and Ryan have proven to be on the forefront of the dynamic mortgage market and have experience serving clients in all facets of the business. From first time home buyers, to commercial loans, and even  reverse mortgages, their expertise is unbeatable. They have built a strong foundation and reputation in the local marketplace and to all referral partners by treating their customers with complete honesty and integrity. Their goal is to always be one step ahead of each client's financial needs by providing solutions for even the toughest scenarios. At Local Lenders, they treat each customer as an individual, not a number.

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We work conforming and non-conforming real estate loans.

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We can help you lock in a long term fixed rate and get out of your ARM.

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Our Satisfied Clients

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Contact Us:

Our Address: 2451 Jamacha Road 105
El Cajon,CA, 92019