Commercial Loan Direct (CLD) provides apartment loans in California. Current apartment loan rates in California range from <low> to <high>, depending on the loan program. CLD originates multifamily mortgages for its parent company CLD Financial. CLD offers competitive pricing, professional mortgage specialists, and quick execution on multifamily mortgages. Our firm is currently offering the following lending products for multifamily mortgages: Conventional, FHA, Freddie Mac, Fannie Mae, Conduit, Conventional, and hedge funds.
For more in-depth multifamily interest rates, please visit our Apartment Loan Rates page.
Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.
We are proud to be serving the state of California. Here are our commercial loan statistics for this state.
435
The California multifamily market in 2026 is defined by extreme legislative activism and a pivoting capital market. Following the end of the Federal Reserve's quantitative tightening in late 2025, liquidity has begun to return, but developers face a complex "regulatory premium." With high-profile laws like SB 79 (transit upzoning) and SB 1037 (enforcement penalties) taking full effect, the landscape is shifting toward high-density, transit-oriented development and the preservation of existing affordable stock.
Financing in California is heavily influenced by state-run subordinate debt programs designed to bridge the "California gap" between construction costs and market rents.
Investors in California are navigating a unique environment of "Builder’s Remedy" and stabilizing benchmark rates:
Commercial loan direct provides services in the following California cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale, feel free to use the provided California economic reports to get a better understanding of your market.
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What Clients Say About Us
Fernando and Leanne are amazing. I had many small businesses that need refinancing over the years. I have met many Brokers and there is always a catch. ALWAYS!… Use them! Once you do you will work with them forever
- Nirav Patel
If you searching for a great experience Commercial Loan Direct is the place. Leanne took care of me and honestly had the greatest experience. She handled all of my needs in a smooth and timely manner listened and addressed any concerns I had about the process and was very patient. I can be quite a handful at times and Leanne was so professional and kind hearted. I'd 100% recommend this company. Thank you again.
- Vincent Arias
We were in unfamiliar territory when it came to refinancing. Commercial Loan Direct streamlined the whole process for us. Leann connected us with lenders that were the right fit for us. The money and time we saved was so worth it. I highly recommend them
- Rita Pisarski
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