Metro area · CA
Lenders in El Centro, CA
14 lenders made 44 multifamily loans in the El Centro, CA metro area in 2024 and 2025, $77.4M in all. Sun Community Credit Union made the most, with 22. The typical loan was about $780K.
- Evidence
- Multifamily loans placed in the metro area, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 14
- HMDA,
- Multifamily loans, 2024-25
- 44
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $77.4M
- HMDA,
- Typical loan
- $780K
- HMDA,
Cite this
Source: The Lender Report, Lenders in El Centro, CA, https://lender.report/lenders-in/el-centro-ca/, data as of December 31, 2025.
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This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans |
|---|---|---|---|---|---|---|
| Sun Community Credit Union multifamily record | Credit union | El Centro, CA | 22 | $25.8M | 11 | 11 |
| Mechanics Bank multifamily record | Bank | Walnut Creek, CA | 4 | $6.28M | 0 | 4 |
| RIZE Credit Union multifamily record | Credit union | El Monte, CA | 4 | $2.96M | 4 | 0 |
| Greenbox Loans multifamily record | Non-bank | Los Angeles, CA | 3 | $1.08M | 1 | 2 |
| Tri Counties Bank multifamily record | Bank | Chico, CA | 2 | $4.50M | 0 | 2 |
| Zions Bancorporation, N.A. multifamily record | Bank | Salt Lake City, UT | 1 | $11.0M | 0 | 1 |
| Citibank, National Association multifamily record | Bank | Sioux Falls, SD | 1 | $9.00M | 1 | 0 |
| Berkadia Commercial Mortgage multifamily record | Non-bank | Ambler, PA | 1 | $6.00M | 0 | 1 |
| The Golden 1 Credit Union multifamily record | Credit union | Sacramento, CA | 1 | $5.00M | 0 | 1 |
| First-Citizens Bank & Trust Company multifamily record | Bank | Raleigh, NC | 1 | $3.90M | 0 | 1 |
| PNC Bank, National Association multifamily record | Bank | Wilmington, DE | 1 | $1.50M | 0 | 1 |
| Ocmbc, Inc. multifamily record | Non-bank | Irvine, CA | 1 | $460K | 1 | 0 |
| Citadel Servicing Corporation multifamily record | Non-bank | Irvine, CA | 1 | $240K | 0 | 1 |
| First Bank multifamily record | Bank | St. Louis, MO | 1 | $220K | 1 | 0 |
| County | Loans | Dollars | Lenders |
|---|---|---|---|
| Imperial County, CA | 43 | $71.9M | 13 |
A county is listed for a year only when the public file holds 5 or more multifamily loans there that year.
| Loan size | Loans |
|---|---|
| Under $1M | 26 |
| $1M to $2.5M | 8 |
| $2.5M to $5M | 5 |
| $5M to $10M | 4 |
| $10M or more | 1 |
- Lenders made 44 multifamily loans totaling $77.4M in El Centro, CA in 2024 and 2025. HMDA,
- 19 of the loans were made in 2025 and 25 in 2024. HMDA,
- The typical loan in El Centro, CA was about $780K, with the middle half between $460K and $2.2M. HMDA,
- 26 of the loans were under $1M, and 5 were $5M or more. HMDA,
- Lenders reported a median rate of 7.32% on 40 loans in El Centro, CA, with the middle half between 6.50% and 8.00%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 51%. HMDA,
- 70% of the loans were refinancings and 25% were purchases. HMDA,
- Banks and savings institutions made 11 of the loans, credit unions 27, and non-banks 6. HMDA,
- The five most active lenders made 79.5% of the loans. HMDA,
- The three most active lenders were Sun Community Credit Union with 22, Mechanics Bank with 4, and RIZE Credit Union with 4. HMDA,
- 8 of the 14 lenders are based in California. The rest are based elsewhere, most often in Delaware, Missouri and North Carolina. HMDA,
- The most common property size was 5 to 24 units, with 22 loans. HMDA,
- 1 county in the metro area has loans on record, and Imperial County, CA has the most, with 43. HMDA,
How this list is defined
- Measure
- Multifamily loans made in the El Centro, CA metro area
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there.
- 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.
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.