Texas Commercial Real Estate Lenders

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Texas has a diverse set of commercial real estate lenders, offering financing options for property types such as office buildings, industrial sites, retail centers, multifamily apartments, and mixed-use developments. Here’s an overview of some major players:

1. Traditional Banks and Credit Unions

• Chase Commercial Banking: Provides commercial real estate financing for various property types in Texas, offering term loans, lines of credit, and more.

• Wells Fargo Commercial Real Estate: Offers real estate loans tailored to Texas businesses, including construction and bridge loans.

• Texas Capital Bank: Known for its local expertise in commercial real estate lending, Texas Capital provides financing for acquisition, construction, and refinancing.

• BBVA/PNC Bank: Though headquartered elsewhere, BBVA (now part of PNC) has strong lending ties within Texas, especially for multifamily and mixed-use projects.

2. Regional and Community Banks

• Prosperity Bank: A Texas-based bank with a significant footprint, offering commercial real estate loans specifically tailored for the local market.

• Frost Bank: Known for its Texas roots, Frost offers loans for various types of commercial properties, including retail and industrial.

• Independent Bank: Headquartered in Texas, Independent Bank provides real estate financing to small-to-medium-sized businesses.

• Veritex Community Bank: Focused on Texas real estate markets, Veritex provides acquisition, construction, and development loans for commercial projects.

3. Non-Bank Lenders

• Berkadia: A prominent commercial real estate lender, Berkadia offers loan programs backed by Fannie Mae, Freddie Mac, and FHA for multifamily housing.

• CBRE Capital Markets: Specializes in commercial real estate investment financing and has local offices in Texas.

• Walker & Dunlop: With a focus on multifamily properties, Walker & Dunlop provides lending options for acquisition, development, and refinancing.

• Lument: Offers financing solutions for multifamily housing, affordable housing, and healthcare facilities, serving Texas with bridge loans, construction financing, and agency lending.

4. Life Insurance Companies

• Northwestern Mutual, MetLife, and Prudential: These firms invest in commercial real estate loans, particularly on high-quality, income-producing properties, such as office buildings and retail centers.

5. Private and Bridge Lenders

• RCN Capital: Specializes in short-term and bridge loans, often for investors purchasing and renovating properties.

• LendingOne: Provides bridge loans for quick acquisitions, property improvement, and short-term financing.

• Trez Capital: Known for financing larger Texas development projects, offering private bridge loans and construction financing.

Tips for Choosing a Texas Commercial Real Estate Lender

Consider the lender’s specialty, such as multifamily, office, or retail, and verify whether they have a strong presence or understanding of the Texas market, as local knowledge can be invaluable. For complex projects, it can be beneficial to work with a lender experienced in structuring unique financing solutions or with access to a variety of loan products, from bridge to agency loans.

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