Blog Post Date April 29, 2025
By Don Almeida- Mortgage Expert and President of Happy Home Mortgage
If you’ve been sitting on the fence about a commercial real estate (CRE) loan, 2025 might just be your golden opportunity. After a rocky few years, the CRE lending market roared back to life in 2024 — and all signs point to even greater momentum this year.
🚀 Lending Momentum Is Back — and It’s Gaining Speed
The numbers don’t lie. Commercial and multifamily lending surged by 26% in 2024, reversing the sharp downturn from 2023. According to the Mortgage Bankers Association, total lending volume reached $539 billion last year — and 2025 is projected to hit $583 billion. Multifamily lending alone is forecast to reach $361 billion.
That means confidence is up, liquidity is flowing, and the lending environment is increasingly favorable. If you’ve been waiting for a strong market — this is it.
🏗️ Big Money, Big Moves: Capital Is Ready
The fourth quarter of 2024 brought a major spike in CRE lending activity, surpassing even pre-pandemic levels. From new acquisitions to refinancing deals, lenders are actively placing capital. Whether you’re eyeing a mixed-use development, multifamily housing, or a hospitality project, you’re stepping into a market that’s ready to fund growth.
Lenders of all stripes — life insurance companies, private debt funds, banks — are back in the game and competing for borrowers. Banks, in particular, made a dramatic comeback in late 2024, closing nearly half of all non-agency loans. Translation? You’ve got options.
🏢 Every Sector Is Seeing Green
It’s not just one slice of the industry that’s thriving — the entire commercial landscape is heating up:
- Hotels: Lending up 124%
- Offices: Up 105%
- Industrial: Up 94%
- Healthcare: Up 72%
- Multifamily: Up 69%
- Retail: Up 48%
From hospitality to healthcare, investors are seeing opportunity — and so are lenders. If you’ve had your eye on a particular sector, there’s likely more capital and support behind it now than in the past several years.
⏳ Don’t Wait Out the Market — Jump In
Sure, there are still challenges ahead — like interest rate uncertainty and upcoming loan maturities — but those hurdles are being met with creative financing solutions and aggressive lender strategies. And more importantly, they’re not stopping the flow of capital.
As the industry looks to 2025 and beyond, the tone is clear: This is the time to act. If you’ve been considering expanding your portfolio, launching your first commercial project, or refinancing at better terms — this is your moment.
💡 The Bottom Line
The window of opportunity is open. The commercial lending market is active, lenders are engaged, and momentum is strong. 2025 isn’t the year to wait — it’s the year to do. That dream you’ve been postponing? It’s time to bring it to life.
Don’t delay your goals. Make your move in 2025 — your commercial real estate success story starts now.
Sources:
Mortgage Bankers Association. Commercial/Multifamily Real Estate Finance Forecast Chart, 2024–2025. mba.org
MBA NewsLink. “Commercial and Multifamily Mortgage Bankers Originations Jump in Q4 2024.” Published January 2025.
CBRE Research. U.S. Real Estate Market Outlook 2025.
JLL. 2025 Commercial Real Estate Investment Trends Report.
