From the first moment we walked in the door we knew Lighthouse Bank was different from other banks. They welcomed us with genuine interest, listened to our vision for our business and have supported us every step of the way.

Chef Kendra L. Baker & Zachary E. Davis

Owners, The Penny Ice Creamery

Commercial Real Estate & Construction Lending


Lighthouse Bank specializes in Commercial Real Estate and Construction financing in Santa Cruz County. Our lending expertise and local decision making translate into an expedient and hassle-free borrowing experience.

Commercial Real Estate Loan Products:
     Owner Occupied Buildings
     Investor Properties
     Retail, Office, Industrial/Warehouse, and Special Use Properties
     Fixed & Variable Interest Rates

Construction Loan Products:
     Land – Acquisition and Development
     Owner Occupied Residential Construction
     Spec Homes
     Commercial Construction

For more information about Commercial Real Estate or Construction financing at Lighthouse Bank, please contact:

Dara Harris
VP/Relationship Manager
NMLS #1120069

Elliott Miller
VP/Relationship Manager
NMLS #1248202







Our Mission Statement:

Lighthouse Bank is committed to providing superior personalized banking products and services. We are dedicated to creating financial benefit for our clients, professional growth for our employees and financial prosperity for our owners and community.