County · CA
Multifamily lenders in Santa Cruz County, CA
13 lenders made 28 multifamily loans in Santa Cruz County, CA in 2024 and 2025, $581.3M in all. JPMorgan Chase Bank, National Association made the most, with 12. The typical loan was about $1.6M. The county is part of the Santa Cruz, 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
- 13
- HMDA,
- Multifamily loans, 2024-25
- 28
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $581M
- HMDA,
- Typical loan
- $1.6M
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Santa Cruz County, CA, https://lender.report/lenders-in/california/santa-cruz-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| JPMorgan Chase Bank, National Association multifamily record | Bank | Columbus, OH | 12 | $18.1M | 10 | 2 | $1.5M |
| Conventus Lending LLC multifamily record | Non-bank | San Francisco, CA | 3 | $4.96M | 2 | 1 | $2.1M |
| East West Bank multifamily record | Bank | Pasadena, CA | 2 | $2.50M | 1 | 1 | $1.3M |
| JLL Real Estate Capital, LLC multifamily record | Non-bank | St. Paul, MN | 1 | $340M | 0 | 1 | $340M |
| Wells Fargo Bank, National Association multifamily record | Bank | Sioux Falls, SD | 1 | $150M | 1 | 0 | $150M |
| Citibank, National Association multifamily record | Bank | Sioux Falls, SD | 1 | $35.0M | 0 | 1 | $35M |
| Walker & Dunlop, LLC multifamily record | Non-bank | Bethesda, MD | 1 | $15.0M | 0 | 1 | $15M |
| Fremont Bank multifamily record | Bank | Fremont, CA | 1 | $2.80M | 1 | 0 | $2.8M |
| Re Investment Loans LLC multifamily record | Non-bank | Greenwood Village, CO | 1 | $2.50M | 1 | 0 | $2.5M |
| The Golden 1 Credit Union multifamily record | Credit union | Sacramento, CA | 1 | $2.50M | 1 | 0 | $2.5M |
| Citizens Bank, National Association multifamily record | Bank | Providence, RI | 1 | $1.60M | 1 | 0 | $1.6M |
| U.S. Bank National Association multifamily record | Bank | Cincinnati, OH | 1 | $400K | 1 | 0 | $400K |
| Uif Corporation | Non-bank | Southfield, MI | 1 | $340K | 0 | 1 | $340K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 4 | 4 |
| $1M to $2.5M | 16 | 4 |
| $2.5M to $5M | 4 | 4 |
| $5M to $10M | 0 | 0 |
| $10M or more | 4 | 4 |
- Lenders made 28 multifamily loans totaling $581.3M in Santa Cruz County, CA in 2024 and 2025. HMDA,
- 1 of these loans was made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA,
- 19 of the loans were made in 2025 and 9 in 2024. HMDA,
- The typical loan in Santa Cruz County, CA was about $1.6M, with the middle half between $1.2M and $2.5M. HMDA,
- 4 of the loans were under $1M, and 4 were $5M or more. HMDA,
- Lenders reported a median rate of 6.14% on 27 loans in Santa Cruz County, CA, with the middle half between 5.92% and 7.20%. HMDA,
- The median term was 15 years. HMDA,
- The median loan to value was 47%. HMDA,
- 68% of the loans were refinancings and 25% were purchases. HMDA,
- Banks and savings institutions made 19 of the loans, credit unions 1, and non-banks 7. HMDA,
- The five most active lenders made 67.9% of the loans. HMDA,
- The three most active lenders were JPMorgan Chase Bank, National Association with 12, Conventus Lending LLC with 3, and East West Bank with 2. HMDA,
- 4 of the 13 lenders are based in California. The rest are based elsewhere, most often in Ohio, South Dakota and Colorado. HMDA,
- The most common property size was 5 to 24 units, with 23 loans. HMDA,
- Santa Cruz County, CA is part of the Santa Cruz-Watsonville, CA metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in Santa Cruz 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
- Changelog
- : 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
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.