--- title: Multifamily Lenders in Santa Barbara County, CA: 28 Made Loans url: https://lender.report/lenders-in/california/santa-barbara-county/ license: https://lender.report/license/ --- County ยท CA # Multifamily lenders in Santa Barbara County, CA 28 lenders made 100 multifamily loans in Santa Barbara County, CA in 2024 and 2025, $355.2M in all. JPMorgan Chase Bank, National Association made the most, with 43. The typical loan was about $1.7M. The county is part of the Santa Maria, CA metro area. **Evidence** Multifamily loans placed in the county, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 28 HMDA, 2025 **Multifamily loans, 2024-25** 100 HMDA, 2025 Manufactured-home parks excluded **Dollars** $355M HMDA, 2025 **Typical loan** $1.7M HMDA, 2025 Cite this Source: The Lender Report, Multifamily lenders in Santa Barbara County, CA, https://lender.report/lenders-in/california/santa-barbara-county/, data as of December 31, 2025. ## Describe a deal in Santa Barbara County, CA See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show multifamily loans in Santa Barbara County, CA](https://lender.report/comps/?lane=multifamily&state=CA&county=6083)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan | | --- | --- | --- | --- | --- | --- | --- | --- | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) [multifamily record](https://lender.report/lender/jpmorgan-chase-bank-oh/multifamily/) | Bank | Columbus, OH | 43 | $113M | 20 | 23 | $2M | | [Montecito Bank & Trust](https://lender.report/lender/montecito-bank-and-trust-ca/) [multifamily record](https://lender.report/lender/montecito-bank-and-trust-ca/multifamily/) | Bank | Santa Barbara, CA | 9 | $11.9M | 5 | 4 | $1.3M | | [East West Bank](https://lender.report/lender/east-west-bank-ca/) [multifamily record](https://lender.report/lender/east-west-bank-ca/multifamily/) | Bank | Pasadena, CA | 5 | $15.9M | 2 | 3 | $3.2M | | [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) [multifamily record](https://lender.report/lender/u-s-bank-oh/multifamily/) | Bank | Cincinnati, OH | 4 | $7.90M | 3 | 1 | $2.4M | | [The Golden 1 Credit Union](https://lender.report/lender/golden-1-credit-union-ca/) [multifamily record](https://lender.report/lender/golden-1-credit-union-ca/multifamily/) | Credit union | Sacramento, CA | 3 | $24.8M | 1 | 2 | $8.5M | | [American Riviera Bank](https://lender.report/lender/american-riviera-bank-ca/) [multifamily record](https://lender.report/lender/american-riviera-bank-ca/multifamily/) | Bank | Santa Barbara, CA | 3 | $9.96M | 2 | 1 | $3M | | [American Heritage Lending, LLC](https://lender.report/lender/american-heritage-lending-ca/) [multifamily record](https://lender.report/lender/american-heritage-lending-ca/multifamily/) | Non-bank | Irvine, CA | 3 | $5.20M | 3 | 0 | $1.9M | | [Habib American Bank](https://lender.report/lender/habib-american-bank-ny/) [multifamily record](https://lender.report/lender/habib-american-bank-ny/multifamily/) | Bank | New York, NY | 3 | $2.48M | 0 | 3 | $800K | | [Greystone Servicing Corporation, Inc.](https://lender.report/lender/greystone-servicing-tn-memphis-kqgfmz98/) [multifamily record](https://lender.report/lender/greystone-servicing-tn-memphis-kqgfmz98/multifamily/) | Non-bank | Memphis, TN | 2 | $5.50M | 0 | 2 | $3.1M | | [Farmers and Merchants Bank of Long Beach](https://lender.report/lender/farmers-and-merchants-bank-of-long-beach-ca/) [multifamily record](https://lender.report/lender/farmers-and-merchants-bank-of-long-beach-ca/multifamily/) | Bank | Long Beach, CA | 2 | $4.20M | 1 | 1 | $3.8M | | [Coasthills Credit Union](https://lender.report/lender/coasthills-credit-union-ca/) [multifamily record](https://lender.report/lender/coasthills-credit-union-ca/multifamily/) | Credit union | Santa Maria, CA | 2 | $2.30M | 1 | 1 | $1.2M | | [Lendsure Mortgage Corp.](https://lender.report/lender/lendsure-mortgage-ca/) [multifamily record](https://lender.report/lender/lendsure-mortgage-ca/multifamily/) | Non-bank | San Diego, CA | 2 | $1.90M | 2 | 0 | $1.2M | | [Sesloc Credit Union](https://lender.report/lender/sesloc-credit-union-ca/) [multifamily record](https://lender.report/lender/sesloc-credit-union-ca/multifamily/) | Credit union | San Luis Obispo, CA | 2 | $1.72M | 2 | 0 | $860K | | [M&T Realty Capital Corporation](https://lender.report/lender/m-and-t-realty-capital-ny/) [multifamily record](https://lender.report/lender/m-and-t-realty-capital-ny/multifamily/) | Non-bank | Buffalo, NY | 1 | $61.0M | 1 | 0 | $61M | | [Banner Bank](https://lender.report/lender/banner-bank-wa/) [multifamily record](https://lender.report/lender/banner-bank-wa/multifamily/) | Bank | Walla Walla, WA | 1 | $25.0M | 0 | 1 | $25M | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) [multifamily record](https://lender.report/lender/pnc-bank-de/multifamily/) | Bank | Wilmington, DE | 1 | $15.0M | 1 | 0 | $15M | | [Bellwether Enterprise Real Estate Capital, LLC](https://lender.report/lender/bellwether-enterprise-real-estate-capital-oh/) [multifamily record](https://lender.report/lender/bellwether-enterprise-real-estate-capital-oh/multifamily/) | Non-bank | Cleveland, OH | 1 | $12.0M | 1 | 0 | $12M | | [City National Bank](https://lender.report/lender/city-national-bank-ca/) [multifamily record](https://lender.report/lender/city-national-bank-ca/multifamily/) | Bank | Los Angeles, CA | 1 | $7.00M | 1 | 0 | $7M | | [River City Bank](https://lender.report/lender/river-city-bank-ca/) [multifamily record](https://lender.report/lender/river-city-bank-ca/multifamily/) | Bank | Sacramento, CA | 1 | $6.40M | 1 | 0 | $6.4M | | [Citizens Bank, National Association](https://lender.report/lender/citizens-bank-ri/) [multifamily record](https://lender.report/lender/citizens-bank-ri/multifamily/) | Bank | Providence, RI | 1 | $4.50M | 0 | 1 | $4.5M | | [First-Citizens Bank & Trust Company](https://lender.report/lender/first-citizens-bank-and-trust-nc/) [multifamily record](https://lender.report/lender/first-citizens-bank-and-trust-nc/multifamily/) | Bank | Raleigh, NC | 1 | $4.30M | 0 | 1 | $4.3M | | [Arixa Enhanced Income Fund, LP](https://lender.report/lender/arixa-enhanced-income-fund-az/) [multifamily record](https://lender.report/lender/arixa-enhanced-income-fund-az/multifamily/) | Non-bank | Phoenix, AZ | 1 | $2.10M | 1 | 0 | $2.1M | | [Mid Valley Services Inc](https://lender.report/lender/mid-valley-services-ca/) | Non-bank | Fresno, CA | 1 | $1.70M | 0 | 1 | $1.7M | | [Financial Partners Credit Union](https://lender.report/lender/financial-partners-credit-union-ca/) [multifamily record](https://lender.report/lender/financial-partners-credit-union-ca/multifamily/) | Credit union | Downey, CA | 1 | $1.30M | 1 | 0 | $1.3M | | [Malaga Bank F.S.B.](https://lender.report/lender/malaga-bank-f-s-b-ca/) [multifamily record](https://lender.report/lender/malaga-bank-f-s-b-ca/multifamily/) | Savings | Palos Verdes Peninsula, CA | 1 | $1.30M | 0 | 1 | $1.3M | | [Oaktree Funding Corp](https://lender.report/lender/oaktree-funding-az/) [multifamily record](https://lender.report/lender/oaktree-funding-az/multifamily/) | Non-bank | Chandler, AZ | 1 | $860K | 1 | 0 | $860K | | [Deephaven Mortgage LLC](https://lender.report/lender/deephaven-mortgage-nc/) [multifamily record](https://lender.report/lender/deephaven-mortgage-nc/multifamily/) | Non-bank | Charlotte, NC | 1 | $740K | 1 | 0 | $740K | | [First Entertainment Credit Union](https://lender.report/lender/first-entertainment-credit-union-ca/) [multifamily record](https://lender.report/lender/first-entertainment-credit-union-ca/multifamily/) | Credit union | Hollywood, CA | 1 | $560K | 0 | 1 | $560K | HMDA, 2025 [Check a deal in Santa Barbara County, CA in Loan Comps](https://lender.report/comps/?lane=multifamily&state=CA&county=6083) | Loan size | Loans | Lenders | | --- | --- | --- | | Under $1M | 17 | 11 | | $1M to $2.5M | 49 | 13 | | $2.5M to $5M | 20 | 8 | | $5M to $10M | 7 | 6 | | $10M or more | 7 | 6 | HMDA, 2025 - Lenders made 100 multifamily loans totaling $355.2M in Santa Barbara County, CA in 2024 and 2025. HMDA, 2025 - 2 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA, 2025 - 53 of the loans were made in 2025 and 47 in 2024. HMDA, 2025 - The typical loan in Santa Barbara County, CA was about $1.7M, with the middle half between $1.2M and $3.2M. HMDA, 2025 - 17 of the loans were under $1M, and 14 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 6.24% on 79 loans in Santa Barbara County, CA, with the middle half between 5.97% and 6.65%. HMDA, 2025 - The median term was 15 years. HMDA, 2025 - The median loan to value was 53%. HMDA, 2025 - 48% of the loans were refinancings and 51% were purchases. HMDA, 2025 - Banks and savings institutions made 76 of the loans, credit unions 9, and non-banks 13. HMDA, 2025 - The five most active lenders made 64.0% of the loans. HMDA, 2025 - The three most active lenders were JPMorgan Chase Bank, National Association with 43, Montecito Bank & Trust with 9, and East West Bank with 5. HMDA, 2025 - 15 of the 28 lenders are based in California. The rest are based elsewhere, most often in Ohio, Arizona and North Carolina. HMDA, 2025 - The most common property size was 5 to 24 units, with 84 loans. HMDA, 2025 - Santa Barbara County, CA is part of the Santa Maria-Santa Barbara, CA metro area, which has its own page. OMB metro list, 2025 ## How this list is defined **Measure** Multifamily loans made in Santa Barbara County, CA **Period** 2024 and 2025 **Formula** Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county. **Order** Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order. **As of** 2025 **Source** [HMDA](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: First published, with the data built on this date. ## What we don't know - Whether any of these lenders is taking new loans today. - What they charge or require beyond the rate and term that HMDA reports. - Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only. A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count. SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them. HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.