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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.



About Rushmore

Rushmore is a residential mortgage originator and financier in the United States. The company has been helping customers transfer, make payments, and manage their loans since 2008.

Rushmore is a financial company started to help people pay for mortgages. The lender assists borrowers in matters regarding their mortgages. Rushmore has roots in Irvine, California, where it is located. Also, the company assumes loans from other mortgage lenders. They do not impose changes on the borrower when the lender initiates the loan transfer. Also, the initial loan agreement stays in place. A borrower has no power to stop the loan transfer process.

Pros and cons

Rushmore has strong points that will compel many people to choose their services. They support several mortgage firms that need their services to keep their businesses going. They also have weak areas that may affect a borrower's financial future.


  • Several products range for anyone looking for borrower mortgage options

  • Easy to use the app to make payments and extra payments

  • Easy payment methods like online payments, by mail, western union, and via phone

  • Loan management services that suit the user’s needs


  • Hidden charges

  • Poor customer service

  • Broken systems that take long to resolve payment issues

  • Wrong application of late payment fees, causing borrowers to lose money

  • Payment problems causing payment delays and penalties

Loan conditions

Rushmore does not include more loan conditions when a lender transfers their loan to them. If there are any changes and additional fees, Rushmore updates the borrower beforehand. On their website, borrowers can find standard fees and other fee-related charges that may apply to them.

There is no need to renegotiate your loan terms with the company as they do not make more changes to the terms. Check if the original agreement appears in the details on your loan account. If a borrower changes their loan using Rushmore services, there could be changes to the initial agreement, installments, pay period, and additional fees. Borrowers should inquire about extra charges and changes to their mortgage.

Funding a loan

Rushmore Loans links your existing loans to your bank account on approval and allows you to manage your payments suitably. The loans are instantly delivered once you complete the application process and meet the requirements.



What is Rushmore?

Rushmore management company helps people acquire home loans. They also get home loans from other lenders. Rushmore offers financing services in all 50 states and Puerto Rico.

Who owns Rushmore?

Rushmore loan management services is a member of Roosevelt management company. Terry Smith is the chief executive officer. Also, he has years of experience in residential mortgage servicing.

How do you qualify for a Rushmore loan?

Applicants for Rushmore loans must be over 18 years. They must have an active social security number. Also, they must have a valid bank account. The bank account must not have a negative balance. Other requirements include a source of income and attaining the minimum income requirements. Applicants must legally live in the United States and reside in any of the 50 states or Puerto Rico. Loan applicants must have worked at least 90 days for their current employer.

How much can you borrow from Rushmore?

Rushmore loans management services do not lend any money. Instead, they support homeowners with easy payment methods to help them service their existing home loans.

Is Rushmore a legitimate company?

Rushmore is a legitimate company. They work with top mortgage lenders in the market to make home loans easy to access and pay through the borrower’s bank account. Rushmore loan management services have offices in Los Angeles and Irvine in California.

Company documents

Privacy Policy
Terms of use

Rushmore Loan Management Services is a residential mortgage servicer and originator with services that include special servicing and prime sub-servicing, correspondent lending, and property disposition. We are dedicated to providing outstanding service and customer support with a commitment to ethical business practices. 

© Rushmore Loan Management Services LLC

What to focus on before applying for a loan with Rushmore

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Rushmore and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Rushmore ’s reviews by October 2022
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