Commercial Mortgage in Orange County, CA
Find lenders offering commercial mortgage in the Orange County, including Anaheim, Irvine, Santa Ana, and surrounding areas. Compare rates, terms, and programs from 63 lenders.
Commercial Mortgage Lenders Serving Orange County
63 lenders offering commercial mortgage in the Orange County, CA area.
US Metro Bank
Local SBAGARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
Bank of Hope
Local SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
Commonwealth Business Bank
Local SBALOS ANGELES, CA
Community bank serving the Korean-American and diverse business communities in Southern California. A top SBA 7(a) lender specializing in commercial real estate, trade finance, and business acquisition loans.
Hanmi Bank
Local SBALOS ANGELES, CA
Community bank primarily serving Korean-American and multi-ethnic communities across the U.S. A top SBA 7(a) lender offering commercial real estate loans, SBA lending, trade finance, and full-service business banking.
Lendistry SBLC, LLC
Local SBALos Angeles, CA
CDFI and SBA community advantage lender focused on providing responsible lending to small businesses in underserved communities. Offers SBA 7(a) loans, microloans, and commercial real estate financing with a focus on minority and women-owned businesses.
City National Bank
Local SBALOS ANGELES, CA
Los Angeles-based bank serving entrepreneurs, professionals, and the entertainment industry. An SBA preferred lender offering SBA 7(a) loans, conventional commercial lending, commercial real estate, and private banking services.
Mission Valley Bank
Local SBASUN VALLEY, CA
Sun Valley, California community bank specializing in SBA 7(a) loans, commercial real estate, and business lending. Known for serving small and mid-sized businesses throughout the greater Los Angeles area.
Open Bank
Local SBALOS ANGELES, CA
Los Angeles-based community bank serving diverse business communities with SBA 7(a) loans, commercial real estate financing, and trade finance. Strong presence in Korean-American and Asian-American business communities.
East West Bank
Local SBAPASADENA, CA
One of the largest independent banks focused on the U.S. and Greater China markets. Offers SBA 7(a) and 504 loans, commercial real estate, trade finance, and international banking for businesses with cross-border needs.
CalPrivate Bank
Local SBALA JOLLA, CA
La Jolla, California-based private bank offering SBA 7(a) loans, commercial real estate financing, and tailored business banking. Focuses on entrepreneurs and professionals in Southern California.
Banc of California
Local SBALos Angeles, CA
Los Angeles-based bank offering SBA 7(a) loans, commercial real estate, business lines of credit, and treasury management. Serves small and mid-sized businesses throughout California.
Commercial Bank of California
Local SBAIRVINE, CA
Irvine, California-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. Focused on serving small and mid-sized businesses in Southern California.
PCB Bank
Local SBALOS ANGELES, CA
Los Angeles-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. Serves diverse business communities with a focus on Korean-American entrepreneurs in Southern California.
FFB Bank
Local SBAFRESNO, CA
Fresno, California-based community bank offering SBA 7(a) loans, commercial real estate, agricultural lending, and business banking. Serves California's Central Valley and beyond.
Plumas Bank
Local SBAQUINCY, CA
Quincy, California-based community bank offering SBA 7(a) loans, commercial real estate, agricultural lending, and business banking. Serves businesses in rural Northern California and Nevada.
Orange County Commercial Real Estate Market
Orange County offers a diversified CRE market anchored by the Irvine Spectrum and South Coast Metro office corridors, which host major tenants in technology, financial services, and professional services. The Irvine Company's extensive land holdings and master-planned development approach give the submarket a distinctive character, with tightly controlled supply and consistently strong rents. The Anaheim Resort district, centered on Disneyland and the Anaheim Convention Center, drives hospitality and entertainment-related CRE demand. Industrial activity concentrates in the Airport Area near John Wayne Airport and in the older infill markets of Anaheim and Santa Ana, where smaller flex and warehouse properties serve local distribution needs.
Key Economic Drivers
- ●Irvine Spectrum and Great Park Neighborhoods tech and life sciences campus growth
- ●Disneyland Resort and Anaheim Convention Center tourism economy
- ●Broadcom, Western Digital, and semiconductor company headquarters
- ●John Wayne Airport (SNA) and related business travel infrastructure
Market Insight
Irvine Company controls a significant share of Orange County's Class A office inventory, and its pricing discipline has historically kept OC office rents more stable than peer markets during downturns, which is a key dynamic for tenants and investors to understand.
Commercial Mortgage in Orange County, California
Conventional commercial mortgages provide long-term financing for stabilized, income-producing commercial properties. Offered by banks, credit unions, and institutional lenders with competitive rates for qualified borrowers and properties. In the Orange County metro area, borrowers can access 63 lenders offering Commercial Mortgage financing, including Anaheim, Irvine, Santa Ana, and surrounding areas. Loan amounts typically range from $250K to $50M with rates from 6% - 8%.
Who Should Consider Commercial Mortgage?
- Stabilized income properties
- Long-term holds
- Refinancing
- Experienced investors
Key Requirements
- Stabilized property with income history
- DSCR ≥ 1.20-1.25
- LTV ≤ 75-80%
- Borrower experience and liquidity
Advantages
- ✓Lower rates than bridge/hard money
- ✓Longer terms
- ✓Predictable payments
- ✓Build equity over time
Considerations
- •Stricter underwriting
- •Longer closing timeline
- •Prepayment penalties
- •Recourse may be required
Commercial Mortgage in Other California Cities
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