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Cheryl Rayo

Passionate about meeting your mortgage needs


Cheryl Rayo
VP, Real Estate Lending
(650) 817-1968
[email protected]

  • With SMCU since 2015
  • 25 years of mortgage industry experience
  • NMLS #1383144

“My devotion to our members’ real estate lending needs involves managing SMCU’s mortgage team and providing specialized knowledge in residential lending. My mission is to offer personal and professional service by fostering teamwork, building relationships, and ensuring open communication, transparency, and accountability.”

~ Cheryl Rayo

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