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Yuma · Yuma County

Commercial real estate loans in Yuma, Arizona

Yuma is the Yuma County seat in the southwest corner of Arizona, near the California and Mexico borders. It is not part of the Northern Arizona hub. Capital Market Funds arranges commercial mortgages on investor-owned property here from Scottsdale.

Reviewed by Craig Hoebing, Capital Market Funds, LLC - CBK-2007014 - Commercial Mortgage Banker · Updated October 2026

Yuma market context

Leafy vegetables from November through March
Wikipedia says Yuma County provides 90 percent of U.S. leafy vegetables grown from November through March, and that the area grows more than 175 crop types. Wikipedia, Yuma, Arizona, accessed for this page in October 2026
Air station about two miles from downtown
MCAS Yuma shares its airfield with Yuma International Airport. Wikipedia says the station is a Superfund site because of soil and groundwater contaminants, including asbestos. Wikipedia, Marine Corps Air Station Yuma, accessed for this page in October 2026
Proving ground headquarters north of the city
Wikipedia places Yuma Proving Ground's headquarters about 30 miles north of Yuma, spanning southwestern La Paz County and western Yuma County. Wikipedia, Yuma Proving Ground, accessed for this page in October 2026

Wikipedia's Yuma article gives a 2020 city population of 95,548 and describes the metropolitan area as Yuma County, with a Census 2020 estimate of 203,247. The city sits in a hot desert, about 60 miles from the Gulf of California, with California and Mexico nearby. Interstate 8 is the freeway the article lists. The article calls Yuma an important station for truck traffic among California, Arizona, and Mexico. It does not say Interstate 8 runs to Phoenix. A sponsor with a warehouse should describe the trucks that actually serve the building, not a freeway slogan.

On agriculture, the article says Yuma's weather supports more than 175 crop types and singles out lettuce. It says Yuma County provides 90 percent of the leafy vegetables grown in the United States from November through March. That is the sourced season. This page does not use a 'capital of lettuce' nickname. It also says anywhere from 70,000 to more than 85,000 out-of-state visitors make Yuma their winter residence. Parks that house those visitors are the collateral type on Arizona RV parks. This page does not name a park it has not sourced. The statewide index is Arizona markets.

The air station, the proving ground, and a Phase I question

Wikipedia's article on Marine Corps Air Station Yuma places the station about two miles from the city center, sharing the airfield with Yuma International Airport. Marine Corps use dates from 1959, and the station was renamed on 20 July 1962. The article says it is home to F-35B squadrons of the 3rd Marine Aircraft Wing, including VMFA-214, VMFA-211, VMFA-122, and VMFA-225, plus MAWTS-1, VMX-1, and VMFT-401. The same article says the station is a designated Superfund site because of soil and groundwater contaminants, including asbestos. A lender on nearby commercial property may ask for a Phase I. That is a document question, not a legal conclusion about any parcel. The explainer is Phase I environmental site assessments.

Yuma Proving Ground's Wikipedia article describes a U.S. Army test center whose headquarters is about 30 miles north of Yuma, in southwestern La Paz County and western Yuma County, with desert testing at the Yuma Test Center and a history reaching to the 1940s. This page does not quote a budget, a headcount, or a size ranking. Military payroll and test activity are context for who might rent housing or services. They are not a tenant credit unless the lease names the tenant. Industrial buildings that might serve packing or distribution are discussed as a type on Arizona industrial. This page does not invent a named cold-storage plant.

What lenders ask when the harvest is the calendar

A large share of local work is seasonal agriculture. A lender will ask whether a building's income is harvest-season only or is paid all year. That question is not an unemployment ranking, and this page will not print one. Apartments mean five or more units. How much equity a buyer brings, without a leverage percentage on this site, is down payments for Arizona commercial property. Whether a credit union or a bank is the right depository conversation is credit unions and banks.

Owner-user buildings can be an SBA 504 introduction, arranged with an SBA lender and a CDC. Rural or agribusiness requests sometimes belong with a USDA-approved lender. Capital Market Funds does not make either loan. The pages are Arizona bank, Arizona SBA 504, and USDA Business and Industry. Multifamily as a property type is Arizona multifamily. Capital Market Funds is not a Fannie Mae DUS lender.

Yuma sources after the season is named

Yuma sources after the season is named
SourceWhen it fits
BankA bank is the first read for a Yuma warehouse or retail building with leases that do not depend on a single harvest week.
Bridge & PrivatePrivate bridge fits a building whose income is still being proven across a full growing season.
Fannie MaeFive-or-more-unit apartments are an agency conversation only with an approved lender. This office is not a DUS lender.

Questions on Yuma commercial mortgages

Is Yuma part of the Northern Arizona commercial loan hub?

No. Yuma is in the southwest, on Interstate 8, near California and Mexico. The Northern Arizona page is the high country. Do not send a Yuma address there.

Does the 90 percent leafy-vegetable figure set a loan amount?

No. It is Wikipedia's description of Yuma County's share of U.S. leafy vegetables grown from November through March. A lender still reads the leases in the building you are financing.

Should every property near MCAS Yuma get a Phase I?

Wikipedia says the air station itself is a Superfund site. Whether a nearby commercial parcel needs a Phase I is a question for the lender and an environmental professional. This page is not that determination.

Will you name a Yuma cold-storage plant or quote its sale price?

No. Packing and cold storage are the property type lenders ask about because of the winter harvest. A plant is named only when a source opened for the file says it is there. Prices are not printed.

No Yuma transaction card is published

Do not reassign a Phoenix industrial card to Yuma. If a Yuma address is later published, it will say Yuma.

Full transactions list

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Send the Yuma address and which months it earns

Craig will see that the request started on the Yuma page.

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