La Jolla Bank is a community bank that specializes in real estate lending, with particular emphasis in apartment loans and jumbo home loans, including construction.

We make loans in multiple states. Please call a local office for a loan officer.

Apartment/Multifamily Mortgages


Our specialty! Fixed and adjustable programs are available up to $15 million. Call and choose from all manner of terms and prices. Fund your next apartment with La Jolla Bank and you will see why we are "the apartment specialists".

Commercial and Industrial Mortgages


Our Commercial/Industrial Loan programs are always in season. As a portfolio lender, we can build a financing structure that's a win-win situation. Fixed and adjustable rates are available with terms up to 30 years.

Lot Loans


Whether you are buying or refinancing, La Jolla Bank offers 60%-65% LTV on terms tailored to your needs. "Interest Only" and "Cash Out" programs available.

Fixed Rate Construction Loans


Lock in your interest rate with one of our fixed rate construction loans. As an added bonus, we do not charge our borrowers for fund control or inspections.

Construction / Permanent Loans


Building your home used to require TWO loans. Now La Jolla Bank combines the process into ONE easy procedure. You pay the closing costs one time only! Apply now. We will see you through the construction and assure that your permanent mortgage will be in place when you move in.

Fixed Rate and Adjustable Rate Mortgages


A full array of mortgage choices are available through our mortgage department. Competitively priced with the same great service our clients are accustomed to. Call and let us guide you to a fixed or adjustable mortgage loan that meets your needs, not ours. Owner and Non-Owner occupied programs available.

Small Business Administration


SBA Real Estate Loans give the entrepreneur maximum leverage of capital which is so critical in the small business environment. Some real estate loans can be as high as 100% LTV. Unsecured and Equipment financing programs are also available.

Other Loan Programs