Mortgage Daily

Published On: December 14, 2018
Commercial Mortgage Statistics

Last Updated December 14, 2018 8:02 PM Central


Originations
2018 2017 2016 2015 2014 2013 2012 2011 2010
2009
2008
2007
2006
2005 2004 2003 2002 2001
2000
1999 1998 1997 1996
Originations – Total (MBA) $532 billion (est) $530 billion $490.6 billion $503.8 billion $399.8 billion $358.5 billion $244.2 billion
na
na
na
na
na
na
na
na
na
na
Originations – Office Properties (MBA) na na
na
na
na na na
na
na
na
na
na
na
na
na
na
na
na
Originations – Multifamily $ (MBA) $302 billion (est) $285 billion $195.1 billion $137.0 billion $146.1 billion
$110.1 billion
$87.9 billion
na
na
na
na
na
na
na
Originations – Multifamily # (MBA) na na
na
na
na 44,696 41,106 31,144 22,256 20,678 33,304 na na na na na
na
na
na
na
na
na
na
Originations – Multifamily (Freddie) na $295 billion (est) $280 billion (est) na $161 billion forecast $172 billion $143 billion na
na
na
$148 billion na
na
na
na
na
na
na
na
na
na
na
Originations for Conduits (MBA) na na
na
na
na na na
na
na
na
na
na
na
na
na
na
na
na
na
na
Originations
2018 2017 2016 2015 2014 2013 2012 2011 2010
2009
2008
2007
2006
2005 2004 2003 2002 2001
2000
1999 1998 1997 1996
Biggest Commercial Originators (MBA)

na na 1. Wells Fargo

2. JPMorgan Chase & Co.

3. HFF LP

4. Eastdil Secured

5. PNC Real Estate

1. Wachovia

2. Wells Fargo Bank, N.A.

3. Bank of America

4. Deutsche Bank Commercial Real Estate

5. Credit Suisse

na
na
na
na
na
na
na
na
na
na
na
FHA $ Endorsements including multifamily, resident care & hospital through Dec. 31 (calendar HUD )

$15.497 billion through Aug 31 $18.465 billion $9.672 billion $13.617 billion na na na na na
na
na na na na na na na na
na
na
na
na
FHA # Endorsements including multifamily, resident care & hospital through Dec. 31 (calendar HUD)

962 through Aug 31 1,289 1,128 1,458 na na na na na
na
na na na na na na na na
na
na
na
na
FHA $ Endorsements including multifamily, resident care & hospital fiscal year ended Sept. 30 (HUD )

$20.865 billion through Aug 31 $17.992 billion $15.175 billion na na na na na
na
na na na na na na na na
na
na
na
na
FHA # Endorsements including multifamily, resident care & hospital fiscal year ended Sept. 30 (HUD)

1,319 through Aug 31 1,317 loans 1,570 2,657 2,348 na na na
na
na na na na na na na na
na
na
na
na
CMBS Issuance
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
CMBS Issuance (MBA) na na na $106.3 billion $80.0 billion na
na
na
na
na
na
na
CMBS Issuance (Morningstar) na na na
na
$100 billion forecast na na na na na
na
na na na na na na na na
na
na
na
na
CMBS Issuance (Trepp LLC) na $58.6 billion through Sep 30 $42.5 billion through Sep 30 na na na na na na na na na na na na na na na na na na na na
CMBS Issuance (Moody’s) na na na na na na na
na
na
na
$12 billion
(June 30)
$230.0 billion na na na na na na na
na
na
na
na
CMBS Issuance (S&P)

na na na na na $60-70 billion (est.) $35 billion (est.)
$32.7 billion (est.)
na
na
na
na na na na na $60 billion $74 billion na
na
na
na
na
CMBS Issuance (Thomson Reuters) na na na na na na na
na
na
na
$13.2 billion (1st half)
$154.5 billion (1st half)
na
na
na
na
na
na
na
na
na
na
na
CMBS Issuance (Federal Register) na na na na na na na
na
$27.3 billion
$38.75 billion
$33.6 billion
$319.9 billion
$305.7 billion
$245.9 billion
$137 billion
$107.35 billion
$89.9 billion
na
na
na
na
na
na
Agency CRE Issuance Issuance
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Freddie Mac Multifamily Whole Loan and Bond Guarantees na na
$27 billion as of Jun 30
$28.3 billion $25.9 billion $28.8 billion
$24 billion
$22 billion na na na na na na na
na
na
na
na
Fannie Mae # of Multifamily Units Financed (Fannie) na 553,000 through Sep 30 413,000 na na na na na na na na na na na na na na na
na
na
Freddie Mac # of Multifamily Units Financed (Freddie) 550,900 units 2018 through Sep 30 820,000
477,000 as of Sep 30
446,000
86,431 as of March 31
na
na na na na na na na na
na
na
na
na
Fannie Mae Multifamily Issuance na na $55.0 billion $42.3 billion $28.9 billion $28.8 billion $24.4 billion $ 16.4 billion
na
na
na na na na na $22.0 billion na na
na
na
na
na
Freddie Mac Multifamily Issuance na $68 billion $51.2 billion na $22.4 billion na na na na na na na na na na na na na na na na na na
Ginnie Mae Multifamily Issuance (calendar) $12.666 billion through Sep 30 $18.989 billion $17.7 billion $24.1 billion $21.8 billion $17.4 billion $13.8 billion
na
na
na na na na na na na na
na
na
na
na
Commercial Mortgages Outstanding
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001 2000 1999 1998 1997 1996
Total O/S as of Q4 (MBA)
*approximate
na $3.182 trillion $2.982 trillion $2.795 trillion $2.640 trillion $2.519 trillion $2.442 trillion
$2.403 trillion
$2.3778 trillion
$2.4450 trillion (MBA revised 3/2011)
$3.4820 trillion $3.327 trillion $3.0 trillion* $2.6 trillion* $2.3 trillion* $2.1 trillion* $1.8 trillion* $1.7 trillion* $1.6 trillion*
na
na
na
na
FDIC-Insured Banks & Thrifts as of Dec. 31 (MBA) na $1.265 trillion $1.194 trillion $1.078 trillion $0.967 trillion $0.897 trillion $0.836 trillion
$0.7939 trillion
0.8023 trillion
$0.8136 trillion
$1.550 trillion $1.2 trillion na na na na na na na
na
na
na
na
Life Insurer Holdings as of Dec. 31 (MBA) na $0.468 trillion $0.425 trillion $0.393 trillion $0.359 trillion $0.339 trillion $0.322 trillion
$0.3133 trillion
$0.2987 trillion
$0.3062 trillion
$0.316 trillion $299 billion na na na na na na na
na
na
na
na
Nonfarm, nonresidential mortgage assets at Banks as of Dec. 31 (FDIC) na na
na
$1.1757 trillion as of Jun 30
$1.1332 trillion as of Sep 30 $1.1096 trillion as of Mar 31 $1.0734 trillion $1.0592 trillion $1.0712 trillion na na na na na na na na na na
na
na
na
na
Commercial Mortgages Outstanding
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001 2000 1999 1998 1997 1996
Multifamily Mortgage Debt Outstanding as of Dec. 31 (Freddie) na na $1.088 trillion $0.986 trillion $0.923 trillion $0.889 trillion na na na na na na na na na na na na
na
na
na
na
Multifamily Loans assets at Banks as of Dec. 31 (FDIC) na na
na
$1.8800 trillion as of Jun 30
na na na $0.2185 trillion na na na na na na na na na na na
na
na
na
na
Multifamily O/S as of Dec. 31 (MBA) *approximate
na na $1.168 trillion as of Q1 $1.145 trillion $0.964 trillion $0.8950 trillion $0.8584 trillion
0.8080 trillion
$0.8430 trillion as of June 30
$0.9034 trillion $0.831 trillion $0.750 trillion* $0.700 trillion* $0.630 trillion* $0.570 trillion* $0.500 trillion* $0.450 trillion* $0.410 trillion*
na
na
na
na
FHA Multifamily Insurance in-Force as of Dec. 31 (HUD)
$94.178 billion as of Aug 31 $86.451 billion $70.750 billion $65.182 billion na na na na na na na na na na na na na
na
na
na
na
CMBS Outstanding
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001 2000 1999 1998 1997 1996
CMBS O/S as of Dec. 31 (MBA)
na na $0.438 trillion as of Q1 $0.459 trillion $0.533 trillion $0.5674 trillion $0.5668 trillion
$0.5892 trillion
$0.6209 trillion
$0.6713 trillion
$0.746 trillion $0.821 trillion $632.0 billion $484.8 billion $382.9 billion $326.0 billion $279.4 billion $245.7 billion $200.8 billion
$172.8 billion
$126.1 billion
na
na
CMBS O/S as of Dec. 31 (Moody’s) na na na
na
na na na $582.8 billion na na na na na na na na na na na
na
na
na
na
Outstanding Fannie Mae Multfamily MBS as of Dec. 31

na na
$225.2 billion as of Jun 30
$206.7 billion as of Mar 31
$203.3 billion na
$110.0 billion as of March 31
$100.0 billion na na na na na na na na na na na
na
na
na
na
Outstanding Ginnie Mae Multfamily MBS as of Dec. 31 na $0.1077 trillion
na
na na $67.4 billion as of Sep. 30 $58 billion as of Sep. 30 $50 billion as of Nov. 29 na na na na na na na na na na
na
na
na
na
Maturing Loans 2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001 2000 1999 1998 1997 1996
Non-bank Mortgage Maturities Balance as of Dec. 31 (MBA) na na $183.3 billion (est.) $158 billion (est.) $92 billion (est.) $119 billion $151 billion $155 billion
Multifamily Market Share na na na na 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Fannie Multifamily Market Share as of Dec. 31 (GAO) na na na na na na na 30% 34% 44% 35% 16% 17% 17% na na na na na na na na na
Freddie Multifamily Market Share as of Dec. 31 (GAO) na na na na na na na 27% 29% 42% 27% 13% 10% 10% na na na na na na na na na
Delinquency CRE
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
30-day CRE Delinquency at Banks(FDIC) na na na na na na na
na
na na na na na na na na na na na na na na
30-day Multifamily Delinquency at Banks (FDIC) na na na na na na na 5.64% na na na na na na na na na na na na na
30-day Commercial Delinquency Excluding Construction Loans (MBA/Federal Reserve) na na na na na na na
na
na
na 1.81% (March 31) 1.21% (March 31) na na na na na na na
na
na
na
na
30-day Construction Loan Delinquency (MBA/Federal Reserve) na na na na na na na
na
na
na 7.18% (March 31) 1.18% (March 31) na na na na na na na
na
na
na
na
60-day Delinquency at Life Insurance Companies as of Dec. 31 (MBA) 0.04% as of Q3 0.03% 0.04% 0.04% 0.08% 0.05% 0.08% 0.19% 0.07% 0.01% 0.02% 0.05% 0.08% 0.12% 0.28% 0.12% 0.28%
0.25%
0.48%
0.90%
1.79%
Delinquency CRE
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
90-day Delinquency at FDIC-Insured Institutions as of Dec. 31 (MBA) 0.48% as of Q3 0.51% 0.59% 0.73% 1.14% 1.70% 2.62% 3.94% 1.62% 0.80% 0.56% 0.53% 0.61% 0.78% 0.86% 0.92% 0.69%
0.73%
0.94%
1.18%
1.58%
90-day Commercial Delinquency at Financial Institutions (Real Estate Econometrics)

na na na na na na na
na
na
2.25% (Q1) 1.62% 0.81% 0.60% 0.60% 0.69% 0.89% na na na
na
na
na
na
90-day Multifamily Delinquency at Financial Institutions (Real Estate Econometrics) na na na na na na na
na
na
2.45% Q1 1.77% 0.76% 0.53% 0.25% 0.26% 0.28% na na na
na
na
na
na
Delinquency 30-Day CMBS
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
30-day CMBS Delinquency as of Dec. 31 (MBA) 3.05% as of Q3 4.08% 5.11% 6.85% 8.73% 5.70% 1.17% 0.39% 0.41% 0.85% 1.29% 1.72% 1.47% 1.26% 0.81%
0.51%
0.54%
0.39%
na
30-day CMBS Delinquency as of Dec. 31 (Morningstar)
1.94% as of Aug 31 2.41% 3.92% 5.349% 7.552% 8.285%
na
na
na
na
na
na
na
na
na
na
na
na
na
na
30-day Healthcare CMBS Delinquency as of Dec. 31 (Morningstar)
1.77% as of Feb 28 1.77% 2.9% 9.2% 6.4% 11.5%
na
na
na
na
na
na
na
na
na
na
na
na
na
na
30-day Hotel CMBS Delinquency as of Dec. 31 (Morningstar)
2.48% as of Feb 28 2.48% 4.2% 6.4% 10.3% 13.8%
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Delinquency 30-Day CMBS
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
30-day Industrial CMBS Delinquency as of Dec. 31 (Morningstar)
4.59% as of Feb 28 4.44% 6.5% 10.4% 10.1% 8.6%
na
na
na
na
na
na
na
na
na
na
na
na
na
na
30-day Multifamily CMBS Delinquency as of Dec. 31 (Morningstar)
0.31% as of Feb 28 0.32% 2.2% 3.0% 5.2% 10.0%
na
na
na
na
na
na
na
na
na
na
na
na
na
na
30-day Office CMBS Delinquency as of Dec. 31 (Morningstar)
4.99% as of Feb 28 5.48% 5.6% 7.6% 9.9% 6.7%
na
na
na
na
na
na
na
na
na
na
na
na
na
na
30-day Retail CMBS Delinquency as of Dec. 31 (Morningstar)
5.59% as of Feb 28 5.67% 5.0% 5.6% 7.1% 7.4%
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Delinquency 30-Day CMBS
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
30-day CMBS Delinquency as of Dec. 31 (Trepp)
3.33% as of Nov 30 4.89% 5.23% 5.75% 7.43% 9.71% na
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Industrial CMBS Delinquency as of Dec. 31 (Trepp)
3.00% as of Nov 30 5.67% 5.62% 7.55% 10.46% 11.24% na
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Lodging CMBS Delinquency as of Dec. 31 (Trepp)
1.93% as of Nov 30 3.82% 3.57% 4.77% 7.91% 11.73% na
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Multifamily CMBS Delinquency as of Dec. 31 (Trepp)
2.04% as of Nov 30 2.36% 2.72% 8.85% 10.86% 13.98% na
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Office CMBS 30-day Delinquency as of Dec. 31 (Trepp) 3.83% as of Nov 30 6.40% 7.13% 5.79% 6.08% 8.13% 10.66% 8.97% na na na na na na na na na na na
na
na
na
na
Retail CMBS Delinquency as of Dec. 31 (Trepp)
5.30% as of Nov 30 6.13% 6.37% 5.66% 6.06% 7.62% na
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Delinquency CMBS 60-Day or Worse
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
60-day CMBS Delinquency (Fitch)
na 3.72% as of June 30
3.18% as of Sep 30
4.53% as of Jul 31
4.62% 6.10% as of Nov 30 7.99%
8.37%
8.23%
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Multifamily CMBS Delinquency (Fitch)
na 0.67% as of June 30
0.79% as of Sep 30
4.90% as of Jul 31
5.22% 7.01% as of Nov 30 10.12% 15.71% as of Nov. 30 na
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Hotel CMBS Delinquency (Fitch)
na 2.84% as of June 30
3.88% as of Sep 30
5.34% as of Jul 31
6.20% 6.96% as of Nov 30 8.87% 12.66% as of Nov. 30 na
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Retail CMBS Delinquency (Fitch)
na 6.23% as of June 30
4.77% as of Sep 30
5.41% as of Jul 31
5.37% 5.78% as of Nov 30 7.14% 6.63% as of Nov. 30 na
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Industrial CMBS Delinquency (Fitch)
na 5.17% as of June 30
4.17% as of Sep 30
4.87% as of Jul 31
4.83% 8.50% as of Nov 30 8.61% 10.34% as of Nov. 30 na
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Office CMBS Delinquency (Fitch) na 6.23% as of June 30 4.68% as of Sep 30 4.73% as of Jul 31 5.01% 6.77% as of Nov 30 8.41% 6.56% as of Nov. 30 na na na na na na na na na na na
na
na
na
na
Mixed Use CMBS Delinquency (Fitch) na 4.20% as of June 30 na na na na na na na na na na na na na na na na na
na
na
na
na
Delinquency CMBS 60-Day or Worse
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
CMBS 60-day Delinquency as of Dec. 31 (Moody’s) 4.52% as of Aug 31 5.86% na na na na 9.30% as of Jan. 31 4.9%
0.45% June 30
na
na
na
na
na
na
na
na
na
na
na
na
Hotel CMBS 60-day Delinquency as of Dec. 31 (Moody’s) 3.02% as of Aug 31 na na na na na 12.95% as of Jan. 31 9.07% na na na na na na na na na
na
na
na
na
Multifamily CMBS 60-day Delinquency as of Dec. 31 (Moody’s) 2.08% as of Aug 31 2.17% na na na na 13.77% as of Jan. 31 8.14% na na na na na na na na na
na
na
na
na
Retail CMBS 60-day Delinquency as of Dec. 31 (Moody’s) 6.30% as of Aug 31 na na na na na 7.58% as of Jan. 31 4.52% na na na na na na na na na
na
na
na
na
Industrial CMBS 60-day Delinquency as of Dec. 31 (Moody’s) 5.10% as of Aug 31 8.58% as of Jul 31 na na na na 11.93% as of Jan. 31 3.42% na na na na na na na na na
na
na
na
na
Office CMBS 60-day Delinquency as of Dec. 31 (Moody’s) 5.56% as of Aug 31 7.93% na na na na 8.53% as of Jan. 31 3.19% na na na na na na na na na
na
na
na
na
Delinquency CMBS 60-Day or Worse
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Industrial CMBS Delinquency (S&P)
na na na na na na na
12.05% as of Sept. 30
na
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Loans in Foreclosure as of Dec. 31 (Morningstar) na na na na na na na
2.06% as of Nov. 30
na
na
na
na
na
na
na
na
na
na
na
na
na
na
na
Delinquency Agency CMBS
na na na na 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
60-day Fannie Mae Multifamily Delinquency (Dec. 31) 0.08% as of Aug 31 0.11% 0.05% 0.05% 0.10% 0.24% 0.63% 0.30% 0.08% 0.08% 0.27% 0.10% 0.13% 0.13% 0.33% 0.04%
0.12%
0.29%
0.37%
0.68%
60-day Freddie Mac Multifamily Delinquency as of Dec. 31 0.01% as of Oct 31 0.02% 0.03% 0.04% 0.09% 0.19% 0.15% 0.01% 0.02% 0.05% 0.00% 0.06% 0.05% 0.13% 0.15% 0.04%
0.14%
0.37%
0.96%
1.96%
Commercial Servicers
2018 2017 2016 2015 2014 2013 2012 2011
2010
2009
2008
2007
2006
2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Biggest Commercial Servicers as of Jun 30:
1. Wells Fargo Bank, N.A

2, PNC Real Estate/Midland Loan Services

3. KeyBank, N.A.

4. Berkadia Commercial Mortgage LLC

5. CBRE Loan Services

na 1. PNC Real Estate/Midland Loan Services

2. Wells Fargo Bank, N.A.

3. Berkadia Commercial Mortgage LLC

4. KeyBank National Association

5. CBRE Loan Services

1. Wells Fargo Bank, N.A.

2. PNC Real Estate / Midland Loan Services

3. Berkadia Commercial Mortgage LLC

4. KeyBank National Association

5. GEMSA Loan Services, L.P.

1. Wells Fargo Bank, N.A.

2. PNC Real Estate / Midland Loan Services

3. Berkadia Commercial Mortgage LLC

4. KeyBank National Association

5. GEMSA Loan Services, L.P.

1. Wells Fargo Bank, N.A.

2. PNC Real Estate / Midland Loan Services

3. Berkadia Commercial Mortgage LLC

4. KeyBank, N.A.

5. GEMSA Loan Services LP

1. Wells Fargo

2. PNC

3. Berkadia

4. Bank of America-Merrill Lynch

5. KeyBank

(as of Dec. 31)

1. Wells Fargo

2. PNC

3. Berkadia

4. Bank of America-Merrill Lynch

5. KeyBank

(as of Dec. 31)


na
na
na
na
1. GMAC Commercial
2. Wachovia Securities
3. Midland Loan Services
4. CapMark Services
5. GEMSA Loan Services
na
na
na
na
na
na
FREE CALCULATORS TO HELP YOU SUCCEED
Tools for Your Next Big Decision.

Amortization Calculator

Affordability Calculator

Mortgage Calculator

Refinance Calculator

FHA Mortgage Calculator

VA Mortgage Calculator

Real Estate Calculator

Tags

Pre-Approval Resources!

Making well educated decions in a matter of minutes and stay up to date on the latest news Mortgage Daily has to offer. Read our latest articles to stay up to date on what’s going on…

Resource Center

Since 1998, Mortgage Daily has helped millions of people such as yourself navigate the complicated hurdles of the mortgage industry. See our popular topics below, search our website. With over 300,000 articles, we are guaranteed to have something for you.

Your mortgages approval starts here.

Add 1-2 sentence here. Add 1-2 sentence here. Add 1-2 sentence here. Add 1-2 sentence here. Add 1-2 sentence here.

Stay Up To Date with Today’s Latest Rates

ï„‘

Mortgage

Today’s rates starting at

4.63%

5/1 ARM
$200,000 LOAN

ï„‘

Home Refinance

Today’s rates starting at

4.75%

30 YEAR FIXED
$200,000 LOAN

ï„‘

Home Equity

Today’s rates starting at

3.99%

3 YEAR
$200,000 LOAN

ï„‘

HELOC

Today’s rates starting at

2.24%

30 YEAR FIXED
$200,000 LOAN