Lydia Rios

Title: Mortgage Sales Manager

NMLS# 455158

Location: San Diego, CA

With 29 years of experience in the mortgage industry, Lydia has built her career on a foundation of integrity, dedication, and exceptional service. She began her journey in retail bank management, where she discovered her passion for helping customers achieve the dream of homeownership. Today, she continues to find fulfillment in guiding clients through one of life's most meaningful milestones - buying a home.

Lydia holds a Bachelor of Arts degree in Business Administration with an emphasis in Sales Management from Cal State Fullerton and has earned her Certified Mortgage Banker accreditation from the Mortgage Bankers Association. Her commitment to ethics and compliance drives every aspect of her work, ensuring clients receive honest guidance and transparent communication throughout the lending process.

Known for her accessibility and personal touch, Lydia takes pride in making each borrower feel supported and informed every step of the way. When she's not assisting clients, you can find her enjoying the outdoors or relaxing with her two dogs, Toby and Thor.

Family of 4 moving into home carrying boxes

Down Payment Assistance

Did you know there are programs that can help you find funding for your down payment? We are proud to offer a range of national and state-specific Down Payment Assistance programs that can help turn your dreams of homeownership into reality. Click below to see if you are eligible. 
Check Eligibility
Woman holding phone and smiling

My Mortgage App

My mortgage app makes it easy! Get your digital to-do list, access calculators, send documents securely and much more!

In just a few clicks you'll receive a text message with a custom download link to connect directly with me on the mobile app!
Get My Custom Mobile App Link
Calculator on table with pen and laptop

Calculators

Get help answering the big questions:
What will my monthly payments be? 
Can I save money by refinancing?
Should I keep renting or buy now? 

Visit our calculators for quick reference then contact us for specific guidance!
Check Out Our Calculators!

Finance Your Dream Home

Homebuying isn’t a one-mortgage-fits-all experience. That’s why Sunflower Bank offers a variety of home loan options to fit your goals and financial needs. Whether you’re looking to buy, build, or refinance, our expert loan originators will guide you through possible options to find the right solution for your homebuying needs.
Home

What My Customers Say

5 Star Rating
I was very impressed with Lydia's follow through on my complex financials. Kudos to Lydia!!

Amad A

CA

Jan 29, 2026