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Commercial Banking

Commercial Real Estate Financing at Scale

Our commercial real estate lending team finances office buildings, retail centers, industrial properties, multifamily developments, and mixed-use projects across the region.

Commercial Banking

Committed Capital for Commercial Real Estate

We maintain one of the region's strongest commercial real estate loan portfolios, with deep expertise across every property type and market cycle. Our dedicated CRE banking team combines local market insight with institutional-quality credit analysis to structure transactions that work — for acquisitions, refinances, construction permanent loans, and portfolio-level facilities. We hold loans in our own portfolio, allowing us to be a flexible, long-term financing partner.

Key Benefits

Only what you need. Nothing you don't.

All Commercial Property Types

Office, retail, industrial, multifamily (5+ units), hospitality, mixed-use, self-storage, and special purpose properties.

Loan Amounts to $25M+

Financing from $500,000 for smaller income properties to $25M+ for major commercial projects. Participation structures available for larger transactions.

Competitive Fixed & Floating Rates

Choose from fixed-rate terms (typically 3, 5, 7, and 10 years), floating SOFR-based rates, or hybrid structures to match your business plan.

In-House Appraisal Coordination

Our team coordinates all third-party due diligence including appraisals, environmental reports, and title insurance, streamlining your closing timeline.

Interest-Only Periods Available

Qualifying projects may be structured with interest-only periods during lease-up or renovation phases to preserve cash flow.

Portfolio Lender Advantages

As a portfolio lender, we can structure transactions that don't fit standard secondary market guidelines — giving sponsors more options

Rates & Details

Commercial Real Estate Loan Rates

Rates effective as of April 30, 2026. Subject to change without notice. APR = Annual Percentage Rate.

Owner-Occupied CRE (5-yr fixed)

Up to 80% LTV; 20-yr amort.

From 6.75% APR

Featured

Investment Property (5-yr fixed)

Up to 75% LTV; 25-yr amort.

From 7.00% APR

Multifamily (5+ units)

Up to 80% LTV; 30-yr amort.

From 6.50% APR

Floating Rate (SOFR-based)

Term of 1–3 years

SOFR + 2.25%–3.50%

FAQ

Frequently Asked Questions

For stabilized owner-occupied properties, we typically lend up to 80% LTV. Investment properties are generally capped at 75% LTV. Multifamily may go to 80%. Construction and transitional assets are underwritten case-by-case.
Most CRE loans are full-recourse to the principals. Limited recourse structures may be available for stabilized, income-producing properties on a case-by-case basis. We encourage a conversation to discuss your specific situation.
We typically require a minimum Debt Service Coverage Ratio (DSCR) of 1.20x–1.25x for investment properties, based on underwritten net operating income. Owner-occupied properties are evaluated differently based on the operating business.