Commercial Mortgage in San Diego, CA
Find lenders offering commercial mortgage in the San Diego, including Chula Vista, Carlsbad, Oceanside, and surrounding areas. Compare rates, terms, and programs from 63 lenders.
Commercial Mortgage Lenders Serving San Diego
63 lenders offering commercial mortgage in the San Diego, 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.
San Diego Commercial Real Estate Market
San Diego's CRE market is distinguished by its concentration of life sciences and defense sector tenants, with the Torrey Pines/UTC corridor housing one of the nation's densest biotech clusters alongside major institutions like Scripps Research, Salk Institute, and UC San Diego. The Sorrento Valley and Kearny Mesa submarkets serve as the region's primary life sciences and tech office nodes, while the Otay Mesa border crossing area supports cross-border logistics and manufacturing operations with Tijuana. Downtown San Diego's East Village and Little Italy neighborhoods have densified with mixed-use and multifamily projects. The Carlsbad and Oceanside coastal submarkets attract lifestyle-oriented office tenants and have seen growing interest from defense technology firms.
Key Economic Drivers
- ●Biotech and life sciences corridor (Illumina, Dexcom, Neurocrine Biosciences) in Torrey Pines/UTC
- ●Naval Base San Diego, Marine Corps Air Station Miramar, and defense contractor presence
- ●UC San Diego research campus and Scripps Research/Salk Institute complex
- ●Cross-border manufacturing and logistics with Tijuana via Otay Mesa
Market Insight
San Diego's life sciences sector commands among the highest lab space rents in the country, and purpose-built lab and R&D facilities in the Torrey Pines corridor routinely achieve lease rates 40-60% above conventional office space in the same submarket.
Commercial Mortgage in San Diego, 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 San Diego metro area, borrowers can access 63 lenders offering Commercial Mortgage financing, including Chula Vista, Carlsbad, Oceanside, 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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