Whether you are buying, refinancing, investing or exploring home equity, The Lending Mamba helps you understand available loan paths and take the next step with confidence.
CALIFORNIA MORTGAGE BROKER
Move Forward With a Mortgage Plan You Understand
Helping individuals and families secure the right mortgage with expert guidance, competitive loan options, and a seamless lending experience from application to closing.
Clear Guidance. Personal Attention.
- Start by understanding your goals.
- Explain suitable mortgage paths.
- Support you from the first conversation.
Assets
Under Management
COMMUNICATION
GUIDELINE
INTEGRITY
We explain the process, documents and next steps in plain language, and we stay engaged when a scenario becomes complicated.
Every mortgage scenario is different. We review the borrower, property and program details carefully before recommending a direction.
Our recommendations are grounded in honesty, transparency and the same standard of care we would expect for our own families.
Tailored Financial Solutions
Tailored strategies helping you build a secure and prosperous future.
Exclusive low-rate financing solutions for qualifying military members and veterans.
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Flexible government-backed loans designed to make homeownership accessible.
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Competitive rates for high-value properties that exceed standard conforming limits.
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Industry-standard mortgage programs offering great flexibility and rate terms.
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Tap into your home equity for improvements, investments, or debt consolidation.
Learn More ›What Makes Our Guidance Different
Communication That Stays With You
We listen first, explain what matters and stay engaged when questions or challenges arise.
A Relationship-First Approach
Scenario-Based Mortgage Review
We look beyond a product name to the borrower, property, documentation and program rules behind the decision.
Integrity at Every Step
We believe a mortgage recommendation should meet the same standard of care we would want for our own families.
Leadership Dedicated to Our Service
RICKY SOOD
President – MLO
MAMBA
Chief Supporting OfficerMost mortgage companies offer support when you need it. But at The Lending Mamba, Inc., we believe supporting you with your mortgage comes FIRST. That's why we have put together a team of experts to support you. Our team includes top 10 Mortgage Loan Officers in the Nation & are the #1 Mortgage Team in Southern California.
CONNECT WITH OUR TEAM4 EASY STEPS TO SAVE
Let our experienced team of Mortgage Advisors guide you through the buying or refinancing process quickly, efficiently, and confidently.
Answer Basic Questions
Step 01Provide Answers to Simple, very straight forward questions
GET PRE-APPROVEDUpload Needed Documents
Step 02In as little as two weeks, close with the best loan for you.
SEE REFINANCE RATESPersonalized Loan Review
Step 03Our award winning loan officers will call you to go over your personalized mortgage plan ensuring you know all your options.
COMPARE YOUR RATESClose Confidently & Save
Step 04In as little as two weeks, close with the best loan for you.
SEE REFINANCE RATESWhat Our Borrowers Say
Read real experiences from homeowners and investors who trusted The Lending Mamba for their mortgage financing goals.
"The Lending Mamba made our first home purchase seamless and stress-free. They clearly explained every loan program and found us a rate that fit our budget perfectly."
Michael & Sarah T.
First-Time Homebuyers
"As a self-employed borrower, traditional banks gave me a hard time. The team guided me through a Bank Statement loan seamlessly and got me approved fast!"
David R.
Self-Employed Business Owner
"Outstanding service from pre-approval to closing! Their HELOC expertise allowed us to access equity for renovations without touching our primary low-rate mortgage."
Elena L.
HELOC & Homeowner Client
Our Testimonials
EXCELLENT Based on 16 reviews Posted on Google De'Angelou TenynsonTrustindex verifies that the original source of the review is Google. As an active military member using a VA loan, I couldn't have asked for a better mortgage broker. Ricky and his team made the entire home-buying process smooth, stress-free, and easy to understand from beginning to end.We were able to close in just 20 days, and they even coordinated a remote signing, which made everything incredibly convenient with my schedule. They worked hard to secure an affordable loan with great terms and were always available to answer my questions and keep me informed. Their professionalism, knowledge of VA loans, and dedication to helping military families truly stood out. I highly recommend them to any service member or anyone looking for a mortgage broker who genuinely cares about their clients and delivers exceptional results.Posted on Google Hevin ZadaTrustindex verifies that the original source of the review is Google. I had a great experience with Ricky, he was very knowledgeable , helpful and professional at the same time .Posted on Google Ashley PetersonTrustindex verifies that the original source of the review is Google. We had an amazing experience working with Ricky at The Lending Mamba. As first-time homebuyers, we had countless questions, and Ricky was incredibly patient, responsive, and knowledgeable throughout the entire loan process. He kept us informed every step of the way, explained everything clearly, and worked hard to make sure we had the best financing options available. We always felt like he had our best interests in mind and truly cared about helping us get into our first home. The entire process was smooth, organized, and far less stressful because of Ricky's dedication and communication. We are so thankful for everything he did and would absolutely recommend him to anyone looking for a trustworthy and hardworking lender.Posted on Google Hailey RezayiTrustindex verifies that the original source of the review is Google. The Lending Mamba is truly one of a kind! Ricky went above and beyond for us. Buying a home can feel overwhelming, but he guided us through every step with so much patience, knowledge, and genuine care. He fought for us like family and always making sure we were getting the best options and that we understood every detail along the way. We felt supported, heard, and protected the entire time. We are forever grateful! If you want someone who delivers results and truly cares, I highly recommend Ricky and The Lending Mamba!Posted on Google Sepehr RasekhTrustindex verifies that the original source of the review is Google. Ricky has been one of the best experiences I’ve ever had in dealing with people throughout my life. He is a warm, honest, and trustworthy man who truly knows his work inside and out. Ricky and his entire team in the Lending Mamba supported me throughout the process of purchasing a property and securing a loan, doing everything they could to make sure everything went smoothly from beginning to end. Thanks to Ricky and his colleagues, we were able to get the best possible purchase price and the most favorable loan rate. The process of buying the property and obtaining the loan couldn’t have been easier or more stress-free. I’m really grateful to him and to everyone on his team, and I highly recommend him to anyone who is looking for a straightforward, honest, and well guided experience.Posted on Google Jahida AnoutiTrustindex verifies that the original source of the review is Google. Ricki was amazing to work with. He is so knowledgeable and helpful. Very punctual and always on top of things. Recommend to work with his company for all your needsPosted on Google Megan McGauleyTrustindex verifies that the original source of the review is Google. Ricky with the lending mamba is seriously the best! He is knowledgeable and smart, but never pushes his opinion! His agenda is making sure you as the buyer are informed of all options. Ricky’s kindness and personality really made it an easy choice when choosing a lender for our first time buying a home! Thank you Ricky for everything, I know we will work together again in the future!Posted on Google Ahmed ChawlaTrustindex verifies that the original source of the review is Google. Ricky & team are absolutely a pleasure to deal with. So helpful in making sure we had a very smooth loan funding experience, fulfilled in an extremely timely manner with expectations set throughout the whole process. Will continue to refer to anyone and everyone that will listen.Posted on Google Tapan GandhiTrustindex verifies that the original source of the review is Google. Ricky and his team at The Lending Mamba went above and beyond to secure our loan for our dream house. While our purchase was a bit more complex and nuanced, Ricky and his team dealt with every twist and turn with extreme professionalism, knowledge and patience. We could not have closed on our home without Ricky and his invaluable help. Thank you, Ricky!!Posted on Google Paul HundalTrustindex verifies that the original source of the review is Google. Great experience overall, l have used Mamba Lending for multiple residential loans. Competitive rates and excellent loan process from beginning to the end. Ricky is very efficient, knowledgeable and offer variety of options..