Rancho Financial Mortgage Center, a direct mortgage banker based in Rancho Bernardo, said it recently opened two new offices in La Jolla and Encinitas.

The two offices, at 7817 Ivanhoe Ave. and 527 Encinitas Blvd., have a total of 22 employees, which brings the total staff at Rancho Financial’s three offices to 62 people.

Founded in 1984 by Craig S. Brown, Rancho Financial said it aligned itself with Los Angeles-based Skyline Financial Corp. in 2011, which reinforced its lending capability.

Brown is the founding member of the San Diego Association of Mortgage Brokers and the California Mortgage Bankers Association.