Category: CRE Market Analytics & Data

BestCRE ranked banks by the year over year change in total commercial real estate loans from June 30, 2025 to June 30, 2026. The universe is limited to banks reporting at least $1 billion of CRE loans. The resulting table contains 50 banks with a combined $315.3 billion of CRE loans. That compares with $3.07 trillion across 4,167 banks. Growth identifies institutions adding CRE balances, but it does not establish the cause. Reported changes can include acquisitions of other banks, so borrowers should read the growth rate alongside the current size and composition of each loan book.

The table separates CRE balances into construction and land, multifamily, owner occupied, and investor nonfarm nonresidential loans. Across the ranked banks, those categories total $44.4 billion, $63.1 billion, $84.0 billion, and $123.8 billion, respectively. These figures help borrowers identify institutions with meaningful exposure to a particular property or loan type. CRE share of loans adds context about portfolio concentration, while investor CRE to equity provides another measure of concentration. Headquarters indicate a bank’s home market, although lending availability remains dependent on local coverage, borrower relationships, property location, and the bank’s current credit process.

Banks ranked by one year growth in CRE loans

Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record.

The leaders combine very different portfolio sizes and mixes. Beacon Bank and Trust grew +229.8% to $9.6 billion, with $5.2 billion in investor nonfarm nonresidential loans. Sunflower Bank, N.A. grew +152.4% to $5.1 billion, including $2.6 billion of multifamily loans. Pinnacle Bank reached $36.8 billion after growth of +123.7%, while The Huntington National Bank reached $37.9 billion after +109.8%. Concentration also varies considerably. OceanFirst Bank, N.A. reports a 62.9% CRE share of loans and a 3.18x investor CRE to equity ratio. Fifth Third Bank, N.A. reports an 18.7% CRE share and a 0.57x ratio. Several smaller institutions have high CRE shares, including Citizens Business Bank, N.A. at 76.1% and Plumas Bank at 70.1%. The data shows where balances sit and how they changed, not the lending decisions behind those changes.

Use growth, size, mix and concentration together

Growth is a useful starting point for a loan search because it identifies banks that added CRE balances during the measurement period. It should not be treated as a promise that a bank is accepting every property type or transaction. A larger CRE book can indicate greater appetite and hold capacity, while a smaller but rapidly growing book may merit a closer look. Pinnacle Bank, for example, reports $36.8 billion of CRE loans and +123.7% growth. Vallant Bank reports $1.7 billion and +95.5% growth. Both rank highly, but their reported portfolios differ substantially in scale.

Borrowers can use the category columns to narrow the initial call list. A multifamily borrower might note Columbia Bank’s $10.3 billion multifamily balance, while a construction borrower might examine Fifth Third Bank, N.A. and its $8.0 billion construction and land balance. Owner occupied borrowers can compare banks such as The Huntington National Bank, with $13.3 billion in that category. Concentration should remain part of the review because a bank with substantial CRE exposure may be selective about additional commitments. The ranking is best used to identify possible lenders before confirming geography, relationship requirements and current interest directly with each bank.

Portfolio mix shows where reported CRE balances are concentrated

Loan mix distinguishes banks with similar growth rates. Mechanics Bank reports $7.5 billion of total CRE loans, including $5.1 billion of multifamily loans. FirstBank reports $7.1 billion, with $1.2 billion in construction and land, $767.5 million in multifamily, $2.2 billion in owner occupied loans, and $3.0 billion in investor nonfarm nonresidential loans. Banco Bilbao Vizcaya, S.a. reports $2.6 billion of CRE loans, including $2.3 billion in construction and land. These balances show where each reported portfolio is most active without establishing current underwriting preferences.

CRE share of loans and investor CRE to equity provide different views of concentration. Citizens Business Bank, N.A. has a 76.1% CRE share of loans and a 2.03x investor CRE to equity ratio. First County Bank reports a 58.0% CRE share and a 4.59x ratio, which is high relative to the other banks in the table. Celtic Bank reports a 43.2% CRE share and a 0.11x ratio, which is low relative to the table. Borrowers should treat concentration as context: a bank can have a large relevant portfolio while still being selective about property type, market or relationship fit.

Compare banks with other capital sources

A borrower should not limit a search to institutions headquartered in the property’s state. Out of state banks may be relevant when they maintain local branches or lending coverage, although the table identifies headquarters rather than every market served. Bank lending is relationship driven and local, so reported growth does not confirm that a bank will pursue a particular transaction. Comparing several banks can clarify which institutions currently have the geographic coverage, balance sheet capacity and portfolio fit required for the request. Direct contact remains necessary because call reports describe existing balances, not future commitments.

Nonbank lenders are another part of the comparison. Debt funds, life companies, CMBS, agency and SBA lenders do not appear in bank call reports. Their presence matters because a transaction that does not fit a bank’s portfolio, concentration position or relationship model may still fit another capital source. The bank ranking provides evidence about reported CRE holdings and recent growth, while a broader loan search tests availability outside that reporting universe. Borrowers should compare several sources on the terms relevant to the property and transaction after using the table to create an initial list of banks.

Frequently Asked Questions

Which banks are adding the most commercial real estate loans?

Beacon Bank and Trust ranks first by year over year CRE loan growth at +229.8%, followed by Sunflower Bank, N.A. at +152.4% and Pinnacle Bank at +123.7%. The Huntington National Bank ranks fourth at +109.8%, and Fifth Third Bank, N.A. ranks fifth at +104.4%. These percentages measure the change in total CRE loans from June 30, 2025 to June 30, 2026. They show which qualifying banks added balances most rapidly, but they do not show whether growth came from newly originated loans, acquired portfolios, or acquisitions of other banks.

How does BestCRE define a commercial real estate lender for this ranking?

BestCRE includes banks with at least $1 billion of total CRE loans and ranks them by year over year change in those loans. Total CRE consists of reported construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances. The table contains 50 banks with $315.3 billion of CRE loans. It is drawn from a broader banking universe of 4,167 institutions holding $3.07 trillion of CRE loans. The ranking therefore focuses on qualifying banks with positive growth rather than presenting every bank or every source of commercial property financing.

Can rapid CRE loan growth result from a bank acquisition?

Yes. The measured growth is the change in total CRE loans from June 30, 2025 to June 30, 2026, and it can include acquisitions of other banks. That limitation is important when interpreting increases such as Beacon Bank and Trust’s +229.8% or The Huntington National Bank’s +109.8%. The call report totals establish the change in reported balances, but the ranking does not assign a cause to that change. Borrowers should use growth as evidence that the reported CRE book expanded, then assess current lending interest and local availability directly with the institution.

What data sources support the bank lender ranking?

The ranking uses FDIC Call Reports, formally Reports of Condition and Income, including schedule RC-C, together with the FDIC Summary of Deposits 2026. The loan data is as of June 30, 2026. Call reports provide standardized balance sheet categories that allow CRE holdings and portfolio mix to be compared across banks. Summary of Deposits data supports the geographic context. Because the table is based on reported balances at a specific date, it should be treated as a factual portfolio snapshot rather than a statement about a bank’s present approval criteria or future lending volume.

What interest rate context applies to this ranking?

The loan balances are dated June 30, 2026, while the benchmark rates are as of Oct 26, 2026. At that later date, the Prime rate was 7.00%, SOFR was 3.89%, the 5 year Treasury was 4.78%, the 10 year Treasury was 4.96%, and Fed funds was 3.88%. These benchmarks provide market context but are not bank quotes and do not describe the rates offered by any institution in the table. Borrowers need current proposals because actual pricing and structure depend on the lender, property, borrower, market and transaction at the time of application.

More BestCRE lender rankings

CRE lenders by state

BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.

Owner occupied commercial real estate loans finance properties used by the borrower’s own business. BestCRE ranks banks by reported loans secured by owner occupied nonfarm nonresidential properties, a category that includes business premises rather than income property held primarily for investment. The table covers 50 banks with $323.6 billion in owner occupied loans. Their combined commercial real estate portfolios total $1.34 trillion, including $170.0 billion of construction and land loans, $341.1 billion of multifamily loans and $503.0 billion of investor nonfarm nonresidential loans.

The ranking is based on FDIC Call Reports, formally Reports of Condition and Income, schedule RC-C, together with the FDIC Summary of Deposits 2026. The balances are reported as of June 30, 2026. Across all 4,167 banks, total commercial real estate loans were $3.07 trillion. The table does not show quoted loan terms, pricing or approval standards. It shows reported portfolio size, mix, annual change, loan concentration and headquarters, giving borrowers a consistent starting point for identifying banks that hold meaningful owner occupied commercial real estate exposure.

Banks ranked by owner occupied CRE loans

Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record.

Bank of America, N.A. leads the owner occupied ranking with $24.7 billion, although its total CRE portfolio of $79.9 billion ranks behind Wells Fargo Bank, N.A. at $121.6 billion and JPMorgan Chase Bank, N.A. at $179.8 billion. Wells Fargo and Truist Bank each report $17.8 billion of owner occupied loans, but their broader CRE books differ at $121.6 billion and $51.0 billion. Growth also varies sharply. Pinnacle Bank reports a +123.7% annual change in total CRE, while The Huntington National Bank reports +109.8%. TD Bank, N.A. reports -3.6%. Concentration separates large diversified banks from more CRE focused institutions. Bank of America reports CRE at 6.6% of loans and an investor CRE to equity ratio of 0.23x. Metropolitan Commercial Bank reports 86.7% and 3.33x, while Flagstar Bank, N.A. reports an investor CRE to equity ratio of 4.02x, high relative to other banks in the table.

Use portfolio size as the starting point for a loan search

A large owner occupied balance can indicate appetite and capacity to hold these loans, but rank alone does not establish that a bank will finance a particular property. Bank of America, N.A. reports $24.7 billion of owner occupied loans, compared with $17.8 billion at Wells Fargo Bank, N.A. and $17.8 billion at Truist Bank. Borrowers can use those balances to build an initial contact list, then ask each bank about property fit, geographic coverage and the relationship it expects.

Total CRE size adds context. JPMorgan Chase Bank, N.A. has the largest CRE portfolio in the table at $179.8 billion, yet its owner occupied balance is $14.4 billion and its owner occupied rank is 5. First-Citizens Bank & Trust Company ranks 4 with $16.8 billion of owner occupied loans despite a smaller $38.8 billion total CRE book. Growth can identify banks adding CRE loans, while concentration may indicate that a bank will be selective. Lending remains relationship driven and local, so borrowers should compare banks that know their market.

Loan mix shows where reported CRE exposure is concentrated

The component balances reveal substantial differences in activity. JPMorgan Chase Bank, N.A. reports $107.3 billion of multifamily loans within its $179.8 billion CRE portfolio, compared with $14.4 billion of owner occupied loans. Bank of America, N.A. reports $37.1 billion of investor nonfarm nonresidential loans and $24.7 billion of owner occupied loans. First-Citizens Bank & Trust Company reports $16.8 billion of owner occupied loans against $11.7 billion of investor nonfarm nonresidential loans. These figures show portfolio mix, not current underwriting preferences.

Concentration provides another lens on the same balance sheet. SouthState Bank, N.A. reports CRE equal to 55.2% of loans and an investor CRE to equity ratio of 2.11x. Valley National Bank reports 57.8% and 2.70x. By comparison, Wells Fargo Bank, N.A. reports 12.2% and 0.61x. A high ratio relative to other banks in the table can signal that a lender may be selective about additional exposure. A low ratio can reflect a more diversified loan book, but it does not by itself establish availability or approval standards.

Compare banks with financing sources outside call reports

The headquarters field identifies the reported home office, not the complete lending footprint. A borrower may find relevant banks headquartered outside the property’s state through local branches or established market coverage, but the table does not list branch level lending authority. For example, Wells Fargo Bank, N.A. is headquartered in Sioux Falls, SD, and reports $17.8 billion of owner occupied loans. PNC Bank, N.A. is headquartered in Wilmington, DE, and reports $10.4 billion. Borrowers should confirm local coverage directly before treating a national rank as evidence of availability.

Bank call reports also exclude debt funds, life companies, CMBS lenders, agency lenders and SBA lenders. These sources can provide alternatives when bank balance sheet capacity, relationship requirements or property fit do not align with a request. SBA lending also competes directly in the owner occupied segment because the financed property houses the borrower’s business. Comparing several sources helps a borrower evaluate fit across lender types, while the bank ranking supplies a consistent view of reported portfolio scale. Benchmark rates as of Oct 26, 2026 include the Prime rate at 7.00% and SOFR at 3.89%, but they are not bank loan quotes.

Frequently Asked Questions

What qualifies as an owner occupied commercial real estate loan?

The FDIC category covers loans secured by owner occupied nonfarm nonresidential properties. The borrower’s business occupies the property, distinguishing the exposure from nonfarm nonresidential real estate held primarily for investment. The segment can include properties used for operating businesses, while SBA lending also competes for owner occupied transactions. BestCRE ranks banks by the balance reported in this category. Bank of America, N.A. reports $24.7 billion, Wells Fargo Bank, N.A. reports $17.8 billion and Truist Bank reports $17.8 billion as of June 30, 2026.

Does a high ranking mean a bank will approve my loan?

No. The ranking measures reported portfolio balances, not approval probability, pricing or available terms. Bank of America, N.A. ranks 1 with $24.7 billion of owner occupied loans, while First-Citizens Bank & Trust Company ranks 4 with $16.8 billion. Those balances show that each bank holds substantial exposure to the category. They do not show whether a specific property, borrower, market or transaction fits current requirements. Borrowers still need to contact banks directly and provide financial, property and relationship information for an individual credit decision.

Why can a bank rank highly in total CRE but lower in owner occupied loans?

Total CRE combines construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances. A bank can therefore have a large overall portfolio without placing the same emphasis on owner occupied exposure. JPMorgan Chase Bank, N.A. ranks 1 nationally by total CRE with $179.8 billion, including $107.3 billion of multifamily loans and $14.4 billion of owner occupied loans. It ranks 5 for owner occupied loans. Flagstar Bank, N.A. ranks 10 nationally with $35.3 billion of total CRE but ranks 47 for owner occupied loans at $2.5 billion.

How current is the bank ranking?

The portfolio data is as of June 30, 2026 and comes from FDIC Call Reports, formally Reports of Condition and Income, schedule RC-C. The FDIC Summary of Deposits 2026 supports the related bank and location information. Call report balances represent a reporting date rather than a live measure of new loan availability. The table includes 50 banks with $323.6 billion of owner occupied loans and $1.34 trillion of total CRE loans. Market conditions, individual balance sheets and lending activity may change after the reporting date.

What benchmark rates provide context for the ranking?

The benchmark rates are reference points, not offered loan rates. As of Oct 26, 2026, the Prime rate was 7.00%, SOFR was 3.89%, the 5 year Treasury was 4.78%, the 10 year Treasury was 4.96% and Fed funds was 3.88%. Actual commercial mortgage pricing is not reported in the ranked table and cannot be inferred from portfolio balances. A bank with a large owner occupied book, such as Bank of America, N.A. at $24.7 billion, may still quote terms that depend on the borrower, property and transaction.

More BestCRE lender rankings

CRE lenders by state

BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.

The BestCRE ranking compares loans secured by multifamily residential properties with five or more units. It covers 50 banks and is based on FDIC Call Reports as of June 30, 2026. Together, the banks in the table hold $405.2 billion in multifamily loans and $1.36 trillion in total commercial real estate loans. Their other reported CRE balances include $174.5 billion in construction and land loans, $277.2 billion in owner occupied loans and $500.4 billion in investor nonfarm nonresidential loans. These figures place each apartment loan book within the broader size and composition of the bank’s CRE exposure.

The ranking is a starting point for identifying banks with demonstrated multifamily holdings, not a statement about current loan availability or terms. A large balance can indicate appetite and capacity to hold apartment loans, while portfolio mix shows where a bank has been most active. Year over year CRE change helps identify banks adding or reducing balances. CRE share of loans and investor CRE to equity provide concentration context that may affect selectivity. Bank lending remains relationship driven and local, so borrowers should assess geographic fit and compare several institutions even when a bank ranks highly by national multifamily balance.

Banks ranked by multifamily loans

Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record.

JPMorgan Chase Bank, N.A. leads by a wide margin with $107.3 billion in multifamily loans, compared with $26.9 billion at Flagstar Bank, N.A. and $26.5 billion at Wells Fargo Bank, N.A. The table also shows very different portfolio mixes. Multifamily represents most of Flagstar’s $35.3 billion CRE book, while Wells Fargo combines its apartment balance with $64.8 billion of investor nonfarm nonresidential loans. Growth varies sharply. Pinnacle Bank reports a +123.7% year over year CRE change, while Flagstar reports -17.5%. Concentration also differs. Bank of America, N.A. reports investor CRE to equity of 0.23x, while United Fidelity Bank, fsb reports 4.80x. Those ratios are low and high, respectively, relative to other banks in the table. A high multifamily rank therefore does not by itself describe the scale, direction or concentration of the full CRE portfolio.

Use balance, mix and growth together when selecting banks

Start with the multifamily balance to identify banks that already hold substantial apartment debt. JPMorgan Chase Bank, N.A. reports $107.3 billion, while PNC Bank, N.A. reports $15.0 billion and U.S. Bank, N.A. reports $14.5 billion. Size can indicate appetite and hold capacity, but it does not establish whether a bank is pursuing a particular property, market or borrower at the time of inquiry.

Next, compare the apartment balance with total CRE loans, year over year CRE change and headquarters. Growth can show which institutions are adding loans across their CRE books. Headquarters provides geographic context, although it does not establish branch coverage or lending territory. Because bank lending is relationship driven and local, borrowers should use the ranking to form a call list, then confirm current interest directly with each institution.

Portfolio mix and concentration reveal different areas of activity

The component balances show where each bank’s reported CRE exposure sits. Mechanics Bank holds $5.1 billion in multifamily loans within a $7.5 billion CRE book. By contrast, Bank of America, N.A. holds $8.5 billion in multifamily loans within $79.9 billion of total CRE loans, including $37.1 billion of investor nonfarm nonresidential loans. The same apartment balance can therefore carry very different importance within different institutions.

Concentration measures add another dimension. Provident Bank reports CRE equal to 73.2% of loans and investor CRE to equity of 3.64x. Citibank, N.A. reports CRE equal to 3.4% of loans and investor CRE to equity of 0.15x. These figures are high and low, respectively, relative to other banks in the table. Greater concentration can signal that a bank will be selective, while a lower ratio shows that investor CRE occupies less of its reported capital base.

Borrowers should compare bank and nonbank capital sources

The table includes nationally significant institutions and banks headquartered across several states. A headquarters location can help frame an initial search, but the FDIC data presented here does not identify local branches or define lending territories. Borrowers considering an out of state bank should confirm whether it has a relevant local presence and whether the property fits its current geographic coverage.

Nonbank alternatives include debt funds, life companies, CMBS lenders, agency lenders and SBA lenders. These sources do not appear in bank call reports, so this ranking cannot compare their activity with the $405.2 billion of multifamily loans held by the listed banks. Agency loans sold to Fannie Mae and Freddie Mac are also excluded. Comparing several bank and nonbank sources gives borrowers a broader view of available capital and reduces reliance on any single balance sheet or lending channel.

Frequently Asked Questions

What counts as a multifamily loan in this ranking?

Multifamily means a bank loan secured by an apartment property with five or more units and held on the bank’s balance sheet. The category does not include every form of apartment finance. In particular, agency loans sold to Fannie Mae and Freddie Mac are not included in the reported balance. The ranking therefore measures retained bank exposure rather than total multifamily originations or the full financing market. As of June 30, 2026, the 50 listed banks reported a combined $405.2 billion of these multifamily loans.

Where does the bank lending data come from?

BestCRE uses FDIC Call Reports, formally called Reports of Condition and Income, including schedule RC-C, together with the FDIC Summary of Deposits 2026. The balance sheet figures are as of June 30, 2026. The source provides standardized categories for multifamily, construction and land, owner occupied, and investor nonfarm nonresidential loans. It also supports comparisons of total CRE exposure, annual change and concentration. Across all 4,167 banks, reported CRE loans total $3.07 trillion, while the 50 banks in this ranking account for $1.36 trillion.

Does a large multifamily balance mean a bank originated that amount this year?

No. The ranking shows loans held on bank balance sheets as of June 30, 2026, not annual originations, commitments or applications. A bank can add new loans while receiving repayments or selling other assets, so the ending balance should not be read as production volume. The year over year CRE change applies to the broader CRE book rather than multifamily alone. For example, Columbia Bank reports $10.3 billion in multifamily loans and a +36.5% year over year change in total CRE loans. Those figures describe balance and portfolio movement, not annual apartment originations.

Why can a leading multifamily bank rank lower in total CRE loans?

Banks hold different combinations of apartment, construction, owner occupied and investor nonfarm nonresidential loans. Flagstar Bank, N.A. ranks second in multifamily loans with $26.9 billion but has a national total CRE rank of 10 and $35.3 billion of total CRE loans. Wells Fargo Bank, N.A. ranks third in multifamily with $26.5 billion and has a national total CRE rank of 2, supported by a broader $121.6 billion CRE book. The distinction helps borrowers separate apartment specialization from overall commercial real estate scale.

What benchmark rates provide context for the 2026 ranking?

Benchmark rates as of Oct 26, 2026 were 7.00% for the Prime rate, 3.89% for SOFR, 4.78% for the 5 year Treasury, 4.96% for the 10 year Treasury and 3.88% for Fed funds. These benchmarks provide market context but are not bank loan quotes, and the call report data does not disclose borrower pricing, spreads or terms. The ranking remains a measure of balance sheet holdings as of June 30, 2026. Borrowers must contact lenders directly to compare current financing proposals.

More BestCRE lender rankings

CRE lenders by state

BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.

Construction financing remains distributed across national banks, regional institutions and specialized CRE lenders. BestCRE’s ranking identifies the 50 banks reporting the largest balances of construction, land development and other land loans as of June 30, 2026. Together, these banks held $207.9 billion in that category and $1.33 trillion in total commercial real estate loans. The broader banking system included 4,167 banks with $3.07 trillion in total CRE loans. The ranking is based on FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C, together with the FDIC Summary of Deposits 2026.

The construction balance establishes the order, but borrowers should examine the full loan mix before deciding which institutions to contact. The table separates construction and land, multifamily, owner occupied, and investor nonfarm nonresidential balances. It also reports annual CRE growth, CRE as a share of total loans, and investor CRE relative to total equity capital. These measures provide different views of lending activity and portfolio concentration. They do not describe current underwriting, pricing or availability for a particular project. Bank lending is relationship driven and local, so a large reported balance is a useful starting point rather than evidence that a bank will finance every property or market.

Banks ranked by construction and land loans

Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record.

JPMorgan Chase leads with $18.8 billion in construction and land loans, ahead of Wells Fargo at $12.5 billion, Bank of America at $9.7 billion and U.S. Bank at $9.4 billion. Their broader CRE mixes differ materially. JPMorgan reports $107.3 billion in multifamily loans, while Wells Fargo reports $64.8 billion in investor nonfarm nonresidential loans. Citibank ranks fifth in construction and land at $8.0 billion despite ranking 19 in total CRE. Growth also varies: Pinnacle Bank reports +123.7% annual CRE growth, while Bank OZK reports -16.1%. Concentration provides another distinction. Bank OZK reports CRE equal to 55.7% of loans and investor CRE to equity of 2.75x, both high relative to many banks in the table. Bank of America reports corresponding figures of 6.6% and 0.23x.

Use reported scale as the starting point for a loan search

A large construction and land balance can indicate appetite for the category and capacity to hold loans, but the ranking should be used as a screening tool. Borrowers can begin with banks near the top, then compare the property type, market and relationship requirements relevant to the project. Total CRE size adds context. Truist Bank, for example, reports $51.0 billion in total CRE loans and $7.6 billion in construction and land loans, while Bank OZK reports $18.1 billion and $6.9 billion, respectively. Similar construction rankings can therefore sit within very different overall CRE books.

Borrowers should also review annual growth and headquarters location before making calls. Positive growth shows which banks are adding CRE loans at the reporting date, although it does not establish current approval standards. U.S. Bank reports +10.2% growth, while Citizens Bank reports -7.4%. Headquarters can help identify institutions with an established regional connection, but it is not a complete map of lending coverage. A productive search usually includes several banks, with questions focused on current interest in the project type, geography and requested loan size. Reported balances establish scale, not a commitment to lend.

Loan mix and concentration identify different CRE profiles

The component balances show where each bank’s reported CRE exposure is concentrated. JPMorgan’s $179.8 billion CRE book includes $107.3 billion of multifamily loans, while Wells Fargo’s $121.6 billion book includes $64.8 billion of investor nonfarm nonresidential loans. Fifth Third reports $12.0 billion of owner occupied loans within a $33.6 billion CRE portfolio. Santander reports $9.4 billion of multifamily loans and $4.4 billion of construction and land loans within a $17.1 billion CRE book. These differences help borrowers distinguish institutions whose balance sheets show greater activity in one category from those with a broader mix.

CRE share of loans and investor CRE to equity provide complementary measures of concentration. Citibank reports CRE at 3.4% of total loans and investor CRE to equity of 0.15x. International Bank of Commerce reports 66.6% and 2.13x. A high ratio relative to other banks in the table can signal that an institution may be selective as it manages exposure. A low ratio can indicate more balance sheet room in relative terms, but it does not establish lending intent. The measures are most useful when read alongside absolute construction balances, annual growth and loan mix rather than treated as stand-alone approval indicators.

Compare banks with other sources of construction capital

The table covers banks reporting to the FDIC, not every source of commercial real estate debt. Borrowers may also consider debt funds, life companies, CMBS, agency lenders and SBA lenders where those channels fit the transaction. These lender types do not appear in bank call reports, so their absence from the ranking should not be read as a statement about their activity. An out of state bank may also be relevant when it has a local branch or lending presence. The table reports bank headquarters, while the FDIC Summary of Deposits 2026 supplies the separate deposit office framework used for geographic research.

Comparing several sources matters because reported portfolio scale does not reveal current terms, execution requirements or whether a lender is active in a specific submarket. A bank with a large construction balance may be a logical call, while a smaller bank with a locally relevant CRE mix may also merit consideration. Nonbank sources can broaden the search beyond institutions constrained by bank portfolio considerations. Borrowers can use the ranking to assemble an initial bank list, then compare that group with applicable nonbank channels. The objective is to test multiple sources against the same project facts rather than infer availability from a single balance sheet measure.

Frequently Asked Questions

Which bank is the largest construction loan lender in 2026?

JPMorgan Chase Bank, N.A. ranks first, reporting $18.8 billion in construction, land development and other land loans as of June 30, 2026. It also reports $179.8 billion in total CRE loans, including $107.3 billion in multifamily, $14.4 billion in owner occupied and $39.4 billion in investor nonfarm nonresidential loans. Its CRE portfolio increased +4.6% from the prior year and represented 11.5% of total loans. The ranking reflects reported balance sheet holdings, so it identifies scale rather than the terms or availability of a current construction loan program.

Does the construction loan ranking include land loans?

Yes. The FDIC Call Report category used for this ranking includes construction, land development and other land loans. The table therefore helps answer which banks report the largest land lending balances as well as construction balances. Citibank and Fifth Third each report $8.0 billion in the category, placing them fifth and sixth, respectively. The category is broader than financing for buildings already under construction, so borrowers should not assume that every reported dollar represents the same project type. A lender must still confirm whether a specific land or development request fits its current lending criteria.

How current are the bank construction lending figures?

The bank balances are as of June 30, 2026 and come from FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. BestCRE also uses the FDIC Summary of Deposits 2026 for deposit office information. Call reports provide a consistent basis for comparing regulated banks at the same reporting date, but they are a balance sheet snapshot rather than a live indication of loan availability. The table includes annual CRE change to show direction at that date. For example, Associated Bank reports +25.8% growth, while Banc of California reports -11.4%.

Which banks show the fastest CRE growth in the ranking?

Pinnacle Bank reports +123.7% annual CRE growth, the highest stated change among the ranked banks, followed by The Huntington National Bank at +109.8% and Fifth Third Bank at +104.4%. Banco Bilbao Vizcaya reports +84.1%. Growth can identify institutions adding CRE balances, but it should be interpreted with portfolio size and mix. Pinnacle reports $36.8 billion in total CRE loans and $5.9 billion in construction and land loans. Banco Bilbao Vizcaya reports $2.6 billion in total CRE loans, of which $2.3 billion is construction and land. Growth alone does not indicate current credit terms or project eligibility.

What benchmark rates provide context for construction lending in 2026?

As of Oct 26, 2026, the Prime rate was 7.00%, SOFR was 3.89%, the 5 year Treasury was 4.78%, the 10 year Treasury was 4.96% and Fed funds was 3.88%. These benchmarks provide market context, but the ranking does not report bank construction loan rates, spreads or fees. A bank’s reported construction balance also does not establish how it prices a specific transaction. Borrowers should request current proposals from several applicable lenders and compare the complete economics and structure. The benchmark date differs from the June 30, 2026 reporting date used for bank loan balances.

More BestCRE lender rankings

CRE lenders by state

BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.

The 100 banks in BestCRE’s national ranking reported $1.80 trillion of commercial real estate loans as of June 30, 2026. That total includes $246.3 billion of construction and land loans, $457.0 billion of multifamily loans, $390.1 billion of owner occupied loans and $705.5 billion of investor nonfarm nonresidential loans. The ranking uses FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. Headquarters information is paired with the FDIC Summary of Deposits 2026. Together, these records provide a consistent view of each bank’s reported CRE book, its composition, annual change and concentration relative to total loans and equity capital.

The ranking is a starting point for borrowers, not a statement that every listed bank will finance every property or transaction. A large CRE book can indicate appetite and capacity to hold loans, while the category mix shows where a bank has been most active. Annual change identifies banks that are adding or reducing reported CRE balances. Concentration measures help put that activity in the context of the bank’s broader balance sheet. Bank lending remains relationship driven and local, so borrowers should consider branch presence, market coverage and an existing banking relationship before deciding which institutions to contact. BestCRE uses this national table as the hub for its state lender pages.

The 100 largest CRE bank lenders

Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record.

The table begins with a wide separation among the largest portfolios. JPMorgan Chase Bank, N.A. reported $179.8 billion of CRE loans, including $107.3 billion of multifamily loans. Wells Fargo Bank, N.A. followed with $121.6 billion, led by $64.8 billion of investor nonfarm nonresidential loans. Bank of America, N.A. ranked third at $79.9 billion. Portfolio composition varies sharply farther down the table. Flagstar Bank, N.A. reported $26.9 billion of multifamily loans within a $35.3 billion CRE book, while Bank OZK reported $6.9 billion of construction and land loans within $18.1 billion. Growth also varied: Beacon Bank and Trust reported +229.8%, while Flagstar reported -17.5%. Concentration provides another distinction. Metropolitan Commercial Bank had CRE loans equal to 86.7% of total loans, while Citibank, N.A. reported 3.4%. Apple Bank’s investor CRE to equity ratio was 4.26x, high relative to other banks in the table.

Use portfolio size, growth and local presence to build a call list

Start with total CRE loans as a measure of reported portfolio scale. A larger book can show appetite for commercial real estate and capacity to hold loans, but it does not establish that a bank is active in every market or property type. Review the category columns before contacting a lender. A borrower seeking multifamily financing, for example, may find a bank with a smaller total CRE book but a more substantial multifamily balance more relevant than a higher-ranked institution whose portfolio is concentrated elsewhere.

Use annual change as a second screen. Positive growth shows that reported CRE balances increased, while a negative figure shows contraction. It does not explain the cause or confirm current credit availability. Then consider headquarters and local branch presence. Bank lending is relationship driven, and local coverage can influence which office handles a request. Borrowers can use the national ranking to identify institutions with scale, then consult BestCRE’s state pages and the FDIC Summary of Deposits 2026 to narrow the list to banks with a relevant local footprint.

Loan mix and concentration distinguish broad lenders from specialists

The four loan categories show where each institution’s reported CRE exposure sits. Construction and land reflects development-related balances. Multifamily captures apartment lending. Owner occupied loans are secured by properties used by the borrowing business, while investor nonfarm nonresidential covers income-producing commercial properties outside multifamily. Comparing these balances can separate diversified portfolios from books centered on one category. Mechanics Bank, for example, reported $5.1 billion of multifamily loans within $7.5 billion of total CRE loans, while Live Oak Banking Company reported $3.0 billion of owner occupied loans within $6.2 billion.

Two concentration measures add balance-sheet context. CRE share of loans compares the reported CRE book with total loans. The investor CRE to equity ratio compares construction, multifamily and non owner occupied nonfarm loans with total equity capital. Regulators watch concentration above roughly 3x of capital, but the ratio is not a lending quote or an approval threshold. A high figure relative to other banks in the table can signal that an institution may be selective about additional exposure. A low figure may indicate more balance-sheet room, but it does not establish appetite for a particular property, borrower or market.

Borrowers should compare bank and nonbank capital sources

The national table is not limited to banks headquartered in a borrower’s state. An institution based elsewhere may operate local branches, and its headquarters location alone does not define its lending territory. The FDIC Summary of Deposits 2026 can help identify branch presence. Borrowers should compare several banks because reported portfolio size cannot show current underwriting priorities, property eligibility or whether the appropriate lending team covers the market. Existing deposit and treasury relationships may also shape which banks are practical prospects, even when another institution ranks higher nationally.

Nonbank lenders do not appear in bank Call Reports. Debt funds, life companies, CMBS lenders, agency lenders and SBA lenders therefore sit outside this ranking even though they can be alternatives for commercial property financing. Each source serves a different part of the market, and the table does not compare their programs or terms. A borrower can use the bank ranking to identify institutions with relevant reported experience, then compare those candidates with suitable nonbank sources. Reviewing several sources provides a broader view of available capital than relying on a single rank, headquarters location or portfolio category.

For how banks, debt funds and CMBS lenders are pricing loans this month, see the Best CRE Capital Markets Report, updated weekly.

Frequently Asked Questions

What loans count toward the BestCRE bank ranking?

BestCRE ranks total commercial real estate loans reported in FDIC Call Reports as of June 30, 2026. The total combines construction and land, multifamily, owner occupied and investor nonfarm nonresidential loans from schedule RC-C. Across the 100 ranked banks, those categories totaled $246.3 billion, $457.0 billion, $390.1 billion and $705.5 billion, respectively. The resulting table total was $1.80 trillion. The definition is intended to make bank portfolios comparable using standardized regulatory reporting. It does not include every loan secured by real estate, and it does not include loans held by nonbank lenders.

Why is JPMorgan Chase Bank, N.A. ranked first?

JPMorgan Chase Bank, N.A. ranked first because it reported the largest total CRE loan balance in the table at $179.8 billion as of June 30, 2026. Its portfolio included $18.8 billion of construction and land loans, $107.3 billion of multifamily loans, $14.4 billion of owner occupied loans and $39.4 billion of investor nonfarm nonresidential loans. Its reported CRE balance increased +4.6% year over year and represented 11.5% of total loans. The ranking reflects reported portfolio size only. It does not grade loan pricing, service, approval likelihood or suitability for a specific transaction.

Which ranked bank reported the fastest CRE growth?

Beacon Bank and Trust reported the largest positive year-over-year change shown in the table at +229.8%. Its total CRE loans were $9.6 billion as of June 30, 2026, including $378.6 million of construction and land loans, $2.2 billion of multifamily loans, $1.8 billion of owner occupied loans and $5.2 billion of investor nonfarm nonresidential loans. Annual growth is useful for identifying changes in reported balances, but it does not show the cause of the increase or confirm that the same pace continued after the reporting date. Borrowers should treat it as a directional screen rather than a current credit offer.

What interest rate context applies to this ranking?

The loan balances are dated June 30, 2026, while the benchmark rates are dated Oct 26, 2026. On that later date, the Prime rate was 7.00%, SOFR was 3.89%, the 5 year Treasury was 4.78%, the 10 year Treasury was 4.96% and Fed funds was 3.88%. These benchmarks provide market context but are not the rates offered by any bank in the ranking. FDIC Call Reports do not establish pricing for a particular borrower or property. Actual financing costs cannot be inferred from a bank’s rank, portfolio mix, annual growth or concentration figures.

How much of the bank CRE market does the table cover?

The 100 ranked banks reported $1.80 trillion of CRE loans as of June 30, 2026. All 4,167 banks reported $3.07 trillion. Those totals show that the table captures the largest individual bank portfolios while the broader market also includes many institutions outside the ranking. A bank below the cutoff may still be relevant in a specific state or local market. The national rank therefore measures reported volume, not the completeness of a borrower’s lender set. BestCRE’s state pages can provide a more geographically focused view, while FDIC Call Reports remain the underlying source for bank-level balances.

More BestCRE lender rankings

CRE lenders by state

BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.

Arizona headquartered banks reported $17.4 billion in commercial real estate loans as of June 30, 2026, according to FDIC Call Reports. BestCRE ranks all 11 of those institutions by total CRE loans, including construction and land, multifamily, owner occupied property, and investor nonfarm nonresidential loans. Western Alliance Bank dominates the ranking with $15.8 billion and holds national rank 33. Southwest Heritage Bank follows with $559.5 million, while BNC National Bank reports $430.4 million. The table is a measure of reported balance sheet exposure, not a judgment about pricing, execution, credit standards, or the suitability of any lender for a particular transaction.

The distinction between headquarters and lending presence matters. This ranking covers banks headquartered in Arizona, while institutions based elsewhere can serve Arizona borrowers through local branches. JPMorgan Chase Bank, N.A., for example, has 186 Arizona branches and $50.2 billion in deposits in the state, but its $179.8 billion CRE portfolio covers all states. Wells Fargo Bank, N.A. has 153 Arizona branches and $39.4 billion in state deposits, while Bank of America, N.A. has 104 branches and $35.5 billion. Those institutions are relevant lending contacts, but their nationwide CRE balances cannot be treated as Arizona loan totals.

Arizona banks ranked by total CRE loans

Source: FDIC Call Reports as of June 30, 2026 (schedule RC-C). Dollar figures in millions. Change, 1 year compares total CRE loans with June 30, 2025. Bank names link to each bank’s FDIC record.

Western Alliance Bank accounts for most of the reported CRE volume, with $15.8 billion of the table total of $17.4 billion. Its portfolio includes $9.6 billion of investor nonfarm nonresidential loans and $4.1 billion of construction and land loans. Southwest Heritage Bank ranks second at $559.5 million and has the highest CRE share of loans among the ranked banks at 79.1%. BNC National Bank ranks third with $430.4 million and reported growth of +0.2%. Growth varies sharply among smaller institutions. Zenith Bank & Trust reported +156.6%, Integro Bank reported +93.6%, and Scottsdale Community Bank reported +67.8%, while Western Alliance Bank reported -3.1%. Concentration also differs. Southwest Heritage Bank has an investor CRE to equity ratio of 3.33x, high relative to the other banks in the table, compared with 1.20x at Mission Bank.

Out of state banks with branches in Arizona

Source: FDIC Summary of Deposits 2026. Deposits and branches are for Arizona only; CRE loans are bank wide.

The ranking is a starting point for a loan search

Total CRE loans provide a practical first screen because the size of a bank’s book can indicate its demonstrated appetite and capacity to hold commercial property debt. Western Alliance Bank, with $15.8 billion, operates at a different reported scale from Southwest Heritage Bank at $559.5 million or Gateway Commercial Bank at $97.8 million. Size alone does not establish whether a bank will pursue a particular property, borrower, structure, or location. Borrowers should use the ranking to identify plausible contacts, then confirm current interest directly with each institution.

The remaining columns help narrow that contact list. Loan mix indicates where each bank has been most active, year over year growth identifies institutions adding or reducing CRE balances, and concentration may signal that a bank will be selective about additional exposure. Bank lending is relationship driven and local, so headquarters, branch access, existing deposits, and familiarity with the borrower can matter to the search. A useful process compares several institutions whose reported portfolios align with the requested property type rather than treating rank as a complete credit or pricing decision.

Loan mix and concentration reveal distinct balance sheet profiles

The ranked banks collectively report $4.3 billion in construction and land loans, $770.6 million in multifamily loans, $2.0 billion in owner occupied loans, and $10.3 billion in investor nonfarm nonresidential loans. Western Alliance Bank is the largest holder in each reported category, including $648.7 million in multifamily and $1.5 billion in owner occupied loans. Among smaller banks, Southwest Heritage Bank reports $293.5 million in investor nonfarm nonresidential loans, while BNC National Bank reports $215.7 million in that category and $143.7 million in owner occupied loans.

Some portfolios lean toward different property and borrower segments. Goldwater Bank, N.A. reports $88.1 million in construction and land loans within a $174.3 million CRE book. Integro Bank reports $73.7 million in owner occupied loans within its $114.9 million total. Investor CRE to equity ratios provide another view of concentration. Southwest Heritage Bank reports 3.33x, West Valley National Bank reports 2.88x, and Goldwater Bank, N.A. reports 2.67x. Those ratios are high relative to several peers in the table, but they do not establish whether a bank will approve or decline a new request.

Arizona borrowers have options beyond locally headquartered banks

Large banks headquartered elsewhere maintain substantial Arizona branch networks and deposits. JPMorgan Chase Bank, N.A. has 186 branches and $50.2 billion in Arizona deposits. Wells Fargo Bank, N.A. has 153 branches and $39.4 billion, and Bank of America, N.A. has 104 branches and $35.5 billion. Other branch based options include Zions Bancorporation, N.A. with 56 branches and $7.3 billion in state deposits, PNC Bank, N.A. with 75 branches and $6.4 billion, and BMO Bank, N.A. with 62 branches and $5.0 billion.

Borrowers can also compare banks with debt funds, life companies, CMBS lenders, agency lenders, and SBA lenders. These nonbank sources do not appear in FDIC bank call reports, so the ranking cannot represent the full financing market. Each source evaluates transactions under a different mandate, and availability can differ by property type, requested structure, and borrower profile. Comparing several bank and nonbank sources gives borrowers a broader view of potential financing paths. The appropriate contact list should reflect the asset and request, not simply the size of an institution’s reported CRE portfolio.

Frequently Asked Questions

How did BestCRE rank Arizona commercial real estate lenders?

BestCRE ranked banks headquartered in Arizona by total commercial real estate loans reported as of June 30, 2026. The source is FDIC Call Reports, formally the Reports of Condition and Income, schedule RC-C. Deposit and branch information comes from the FDIC Summary of Deposits 2026. The ranking includes 11 Arizona headquartered banks with a combined $17.4 billion in CRE loans. It does not rank individual originations, Arizona property loans alone, approval volume, pricing, or service. A bank’s reported total is its balance sheet CRE exposure under the call report categories.

Which Arizona bank has the largest commercial real estate loan portfolio?

Western Alliance Bank ranks first with $15.8 billion in total CRE loans as of June 30, 2026, placing it at national rank 33. Its reported book includes $4.1 billion in construction and land loans, $648.7 million in multifamily loans, $1.5 billion in owner occupied loans, and $9.6 billion in investor nonfarm nonresidential loans. CRE represents 24.1% of its total loans, and its investor CRE to equity ratio is 1.80x. Its CRE balance changed -3.1% year over year.

Which Arizona banks reported the strongest CRE growth?

Zenith Bank & Trust reported the highest year over year CRE change in the ranking at +156.6%, bringing its total CRE loans to $41.9 million. Integro Bank followed at +93.6% with a $114.9 million CRE portfolio. Scottsdale Community Bank reported +67.8% and $26.8 million, while Gainey Business Bank reported +65.6% and $49.2 million. Growth identifies banks that added reported balances, but it does not show whether the increase came from new originations, purchased loans, repayments, sales, or other balance sheet movements.

What interest rate benchmarks were current for CRE borrowers?

As of Oct 26, 2026, the Prime rate was 7.00%, SOFR was 3.89%, the 5 year Treasury was 4.78%, the 10 year Treasury was 4.96%, and Fed funds was 3.88%. These benchmarks provide market context but are not bank quotes or indications of the final cost available to a specific borrower. The FDIC ranking measures reported loan balances as of June 30, 2026 and does not disclose the rates, spreads, fees, maturities, amortization, collateral requirements, or other terms attached to those loans.

Do national bank CRE totals show how much they lend in Arizona?

No. Call report CRE totals for an out of state bank cover its entire institution, not only loans secured by Arizona properties. JPMorgan Chase Bank, N.A. reports $179.8 billion in CRE loans across all states and has 186 Arizona branches. Wells Fargo Bank, N.A. reports $121.6 billion across all states and has 153 Arizona branches. The FDIC Summary of Deposits identifies their local branches and deposits, but those figures do not allocate CRE lending by state. Borrowers can treat branch presence as evidence of local access, while confirming current lending interest directly.

More BestCRE lender rankings

CRE lenders by state

BestCRE rankings are editorially independent and built only from public regulatory filings; no bank pays for placement. Call report figures describe loans held on each bank’s balance sheet and do not show loan terms, rates or current appetite. BestCRE is not a lender and does not make loans. Benchmark rates are informational, not quotes. See our Legal Disclaimer and Compensation Disclosure.