Metro area · CA
Lenders in Santa Cruz, CA
14 lenders made 29 multifamily loans in the Santa Cruz-Watsonville, CA metro area in 2024 and 2025, $604.8M in all. JPMorgan Chase Bank, National Association made the most, with 12. The typical loan was about $1.6M.
- 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
- 29
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $605M
- HMDA,
- Typical loan
- $1.6M
- HMDA,
Cite this
Source: The Lender Report, Lenders in Santa Cruz, CA, https://lender.report/lenders-in/santa-cruz-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 |
|---|---|---|---|---|---|---|
| JPMorgan Chase Bank, National Association multifamily record | Bank | Columbus, OH | 12 | $18.1M | 10 | 2 |
| Conventus Lending LLC multifamily record | Non-bank | San Francisco, CA | 3 | $4.96M | 2 | 1 |
| East West Bank multifamily record | Bank | Pasadena, CA | 2 | $2.50M | 1 | 1 |
| JLL Real Estate Capital, LLC multifamily record | Non-bank | St. Paul, MN | 1 | $340M | 0 | 1 |
| Wells Fargo Bank, National Association multifamily record | Bank | Sioux Falls, SD | 1 | $150M | 1 | 0 |
| Citibank, National Association multifamily record | Bank | Sioux Falls, SD | 1 | $35.0M | 0 | 1 |
| Berkadia Commercial Mortgage multifamily record | Non-bank | Ambler, PA | 1 | $24.0M | 0 | 1 |
| Walker & Dunlop, LLC multifamily record | Non-bank | Bethesda, MD | 1 | $15.0M | 0 | 1 |
| Fremont Bank multifamily record | Bank | Fremont, CA | 1 | $2.80M | 1 | 0 |
| Re Investment Loans LLC multifamily record | Non-bank | Greenwood Village, CO | 1 | $2.50M | 1 | 0 |
| The Golden 1 Credit Union multifamily record | Credit union | Sacramento, CA | 1 | $2.50M | 1 | 0 |
| Citizens Bank, National Association multifamily record | Bank | Providence, RI | 1 | $1.60M | 1 | 0 |
| U.S. Bank National Association multifamily record | Bank | Cincinnati, OH | 1 | $400K | 1 | 0 |
| Uif Corporation | Non-bank | Southfield, MI | 1 | $340K | 0 | 1 |
| County | Loans | Dollars | Lenders |
|---|---|---|---|
| Santa Cruz County, CA | 28 | $577M | 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 | 4 |
| $1M to $2.5M | 16 |
| $2.5M to $5M | 4 |
| $5M to $10M | 0 |
| $10M or more | 5 |
- Lenders made 29 multifamily loans totaling $604.8M in Santa Cruz, 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 10 in 2024. HMDA,
- The typical loan in Santa Cruz, CA was about $1.6M, with the middle half between $1.2M and $2.5M. HMDA,
- 4 of the loans were under $1M, and 5 were $5M or more. HMDA,
- Lenders reported a median rate of 6.14% on 28 loans in Santa Cruz, 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 52%. HMDA,
- 69% of the loans were refinancings and 24% were purchases. HMDA,
- Banks and savings institutions made 19 of the loans, credit unions 1, and non-banks 8. HMDA,
- The five most active lenders made 65.5% 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 14 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,
- 1 county in the metro area has loans on record, and Santa Cruz County, CA has the most, with 28. HMDA,
How this list is defined
- Measure
- Multifamily loans made in the Santa Cruz, 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.