Meet Ryan

Ryan Mitchell is a Mortgage Loan Officer with Loan Factory (NMLS #2603666; Company NMLS #320841), serving Loomis, Penryn and Northern California.

With over 25 years of experience in the housing industry, Ryan Mitchell is a trusted Mortgage Lender dedicated to helping clients achieve their real estate goals in Northern California. While he serves clients throughout the region, Ryan possesses deep local market knowledge of the Loomis and Penryn communities, making him an invaluable asset to borrowers looking to put down roots in these specific areas.

Ryan distinguishes himself with his specialized understanding of self-employed business income. In an industry where complex tax returns can often be a hurdle, Ryan has the expertise to analyze business finances and structure loans that work for entrepreneurs and business owners. Whether navigating complex income streams or standard W-2 financing, he ensures a smooth process from application to closing.

Ryan's vast experience covers the entire spectrum of lending. He is just as passionate about guiding first-time homebuyers through their initial purchase as he is about strategizing with seasoned real estate investors looking to expand their portfolios.

Loan programs: Conventional, FHA, VA, USDA, Jumbo, HomeReady/Home Possible, ARM, Bank Statement, DSCR, Asset-Qualifier, Foreign National, streamline and cash-out refinance, HELOC and reverse mortgage.

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For a lender who combines decades of industry authority with a hyper-local focus on Loomis and Penryn, connect with Ryan Mitchell today.

Ryan Mitchell, NMLS #2603666. Loan Factory, Inc., NMLS #320841. Equal Housing Opportunity. Not a commitment to lend.