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CREFC's August 2025 Monthly CMBS Loan Performance Report

September 25, 2025

CRE Finance Council has released a report on CMBS loan performance for August.* 

Key takeaways:

DELINQUENCY RATE CONTINUES CLIMB 

Data chart including both conduit and SASB

  • Conduit/SASB CMBS combined delinquency of 7.29%
    • Delinquency rate increased 6 bps in August
    • Sixth consecutive monthly increase; follows increases of 10 bps and 5 bps in July and June, respectively 
    • On a YoY basis, the overall combined delinquency rate is up 185 bps (7.29% vs. 5.44% in August 2024)
  • Office delinquency surged 62 bps to 11.66% and tops all property types
    • Office contributed the most among property types to the net increase in delinquency, with newly delinquent loans totaling $2.5B against $1.3B of cures
  • Loans in special servicing (SS) decreased 19 bps to 10.29% in August; second consecutive monthly decrease after reaching all-time high in June 2025 (10.57%)

*Source: Trepp. CMBS data in this report reflect a total outstanding balance of $636B: 53.4% ($339.7B) conduit CMBS, 46.6% ($296.3B) single-asset/single-borrower (SASB) CMBS.

Click here to download the full report. Contact Raj Aidasani for more information on CMBS loan performance. 

Contact 

Raj Aidasani
Managing Director, Research
646.884.7566
CREFC Alert Photo Card
The information provided herein is general in nature and for educational purposes only. CRE Finance Council makes no representations as to the accuracy, completeness, timeliness, validity, usefulness, or suitability of the information provided. The information should not be relied upon or interpreted as legal, financial, tax, accounting, investment, commercial or other advice, and CRE Finance Council disclaims all liability for any such reliance. © 2025 CRE Finance Council. All rights reserved.
CREFC's August 2025 Monthly CMBS Loan Performance Report
September 25, 2025
CRE Finance Council has released a report on CMBS loan performance for August.

News

CRE Securitized Debt Update

September 23, 2025

Private-Label CMBS and CRE CLOs

Two transactions totaling $1.9 billion priced last week:

  1. BFLD 2025-5MW, a $1.3 billion SASB backed by a fixed-rate, five-year loan for Brookfield to refinance the 1.7 million square foot Five Manhattan West office building in Manhattan.
  2. BMO 2025-5C12, a $638.2 million conduit backed by 45 five-year loans secured by 168 properties from BMO, Argentic, Citi, Deutsche, Key, Starwood, UBS, Greystone, and Natixis.

By the numbers: Year-to-date private-label CMBS and CRE CLO issuance totals $106.7 billion, representing a 42% increase from the $75.1 billion recorded for same-period 2024. 

Spreads Unchanged

  • Conduit AAA and A-S spreads were unchanged at +76 and +113, respectively. YTD, AAA and A-S spreads are wider by 1 bp and 8 bps, respectively. 
  • Conduit AA and A spreads were unchanged at +160 and +190, respectively. YTD, t each wider by 25 bps.
  • Conduit BBB- spreads were unchanged at +475. YTD, wider by 50 bps.
  • SASB AAA spreads moved by +0-2 bps to a range of +105 to +132, depending on property type.
  • CRE CLO AAA and BBB- spreads were unchanged at +130 and +335, respectively.

Agency CMBS

  • Agency issuance totaled $3.2 billion last week, comprising $2 billion of Fannie DUS, $788.4 million of Freddie Multi-PC and ML transactions, and $415 million of Ginnie Mae Project Loan transactions.
  • Agency issuance for the year totaled $102.2 billion, 39% higher than the $73.4 billion for the same period last year.

 Contact Raj Aidasani (raidasani@crefc.org) with any questions.

Contact 

Raj Aidasani
Managing Director, Research
646.884.7566
The information provided herein is general in nature and for educational purposes only. CRE Finance Council makes no representations as to the accuracy, completeness, timeliness, validity, usefulness, or suitability of the information provided. The information should not be relied upon or interpreted as legal, financial, tax, accounting, investment, commercial or other advice, and CRE Finance Council disclaims all liability for any such reliance. © 2025 CRE Finance Council. All rights reserved.
CRE Securitized Debt Update
September 23, 2025
Two transactions totaling $1.9 billion priced last week.

News

Government Funding: Shutdown Showdown

September 23, 2025 

With just one week remaining before current government funding expires on September 30, lawmakers are coalescing around a continuing resolution (CR) that would extend funding through November 21. However, the Senate may not clear the 60-vote threshold to advance legislation.

Why it matters: This short-term extension would maintain FY2025 spending levels and provide additional time for Congress to complete work on the FY2026 appropriations bills.

Where we stand as of today; 

  • House Action: House Republicans passed the stopgap legislation last week with a 217-212 vote. Two Republicans voted against, while one Democrat voted for the legislation. The Senate later voted down the bill 44-48 with two GOP and one Dem crossing the aisle. 
  • Senate Math: Passage in the Senate remains more complex, as at least seven Democrats will need to support the measure to reach the 60-vote threshold. On Friday, the Senate voted down Democrat’s CR to fund the government, extend Obamacare subsidies, and rollback Medicaid cuts made in the July reconciliation bill. 
  • Democrats are largely supportive of forcing a shutdown for now, though Sen. John Fetterman (D-PA) has said he will support the CR. 
  • White House Position: The Administration has advocated for a longer stopgap through January 31, 2026, but House Republicans favor the shorter November date to retain leverage over final spending decisions. 

What’s next: The path to avoid a shutdown is narrowing. 

  • However, momentum is building in the House behind a short-term, clean CR through November 21 as the most realistic solution. 
  • It still remains far from a done deal, as Republicans need seven Democratic votes to reach the 60-vote threshold. Unfortunately, the framework of how to get there remains to be seen.

Contact David McCarthy (Dmccarthy@crefc.org) or James Montfort (jmontfort@crefc.org) with any questions.

Contact 

David McCarthy
Managing Director,
Chief Lobbyist, Head of Legislative Affairs
202.448.0855
dmccarthy@crefc.org

James Montfort
Manager,
Government Relations
202.448.0857
jmontfort@crefc.org
The information provided herein is general in nature and for educational purposes only. CRE Finance Council makes no representations as to the accuracy, completeness, timeliness, validity, usefulness, or suitability of the information provided. The information should not be relied upon or interpreted as legal, financial, tax, accounting, investment, commercial or other advice, and CRE Finance Council disclaims all liability for any such reliance. © 2025 CRE Finance Council. All rights reserved.
Government Funding: Shutdown Showdown
September 23, 2025
With just one week remaining before current government funding expires on September 30, lawmakers are coalescing around a continuing resolution (CR) that would extend funding through November 21.

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