--- title: Lenders in Santa Maria, CA: 29 Made Multifamily Loans in 2024-25 url: https://lender.report/lenders-in/santa-maria-ca/ license: https://lender.report/license/ --- Metro area ยท CA # Lenders in Santa Maria, CA 29 lenders made 102 multifamily loans in the Santa Maria-Santa Barbara, CA metro area in 2024 and 2025, $361.4M in all. JPMorgan Chase Bank, National Association made the most, with 43. The typical loan was about $1.8M. **Evidence** Multifamily loans placed in the metro area, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 29 HMDA, 2025 **Multifamily loans, 2024-25** 102 HMDA, 2025 Manufactured-home parks excluded **Dollars** $361M HMDA, 2025 **Typical loan** $1.8M HMDA, 2025 Cite this Source: The Lender Report, Lenders in Santa Maria, CA, https://lender.report/lenders-in/santa-maria-ca/, data as of December 31, 2025. ## Describe a deal in Santa Maria, CA 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. [Start with a deal in Santa Maria, CA](https://lender.report/comps/?lane=multifamily&metro=42200)[A lender in Santa Maria, CA? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | | --- | --- | --- | --- | --- | --- | --- | | [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 | | [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 | | [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 | | [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 | | [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 | | [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 | | [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 | | [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 | | [Berkadia Commercial Mortgage](https://lender.report/lender/berkadia-commercial-mortgage-pa/) [multifamily record](https://lender.report/lender/berkadia-commercial-mortgage-pa/multifamily/) | Non-bank | Ambler, PA | 2 | $6.20M | 1 | 1 | | [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 | | [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 | | [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 | | [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 | | [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 | | [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 | HMDA, 2025 [All 29 lenders in Santa Maria, CA, by loan size](https://lender.report/multifamily-lenders/santa-maria-ca/) | County | Loans | Dollars | Lenders | | --- | --- | --- | --- | | [Santa Barbara County, CA](https://lender.report/lenders-in/california/santa-barbara-county/) | 100 | $357M | 28 | HMDA, 2025 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 | 17 | | $1M to $2.5M | 49 | | $2.5M to $5M | 22 | | $5M to $10M | 7 | | $10M or more | 7 | HMDA, 2025 - Lenders made 102 multifamily loans totaling $361.4M in Santa Maria, 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 - 54 of the loans were made in 2025 and 48 in 2024. HMDA, 2025 - The typical loan in Santa Maria, CA was about $1.8M, 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 6.25% on 81 loans in Santa Maria, CA, with the middle half between 5.98% and 6.66%. HMDA, 2025 - The median term was 15 years. HMDA, 2025 - The median loan to value was 54%. HMDA, 2025 - 47% of the loans were refinancings and 50% were purchases. HMDA, 2025 - Banks and savings institutions made 76 of the loans, credit unions 9, and non-banks 15. HMDA, 2025 - The five most active lenders made 62.7% 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 29 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 - 1 county in the metro area has loans on record, and Santa Barbara County, CA has the most, with 100. HMDA, 2025 ## How this list is defined **Measure** Multifamily loans made in the Santa Maria, 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](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. 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.