How Loan Maturity Data Helps Lenders Identify New Opportunities

Key Takeaways

• Track the 'golden window': Properties with loans maturing in 12-18 months where DSCR has dropped below 1.25x represent prime refinance targets.
• Focus on the distress indicators: 68% of office loans maturing in 2025 have LTVs above 65%. These owners need solutions now.
• The data arbitrage: While competitors rely on quarterly CMBS reports, real-time NOI tracking reveals opportunities 90 days earlier.
• Industry research shows fragmentation is a significant issue. However, a unified source for loan data for lenders can provide an invaluable solution.

In today’s tight lending market, timing and data provide key advantages. Commercial real estate loan maturity data reveals when mortgages are set to expire. In turn, this creates natural opportunities for refinancing, recapitalization, or sale. By tracking these details, lenders can find borrowers who need new capital. They can also spot early signs of distress and reach out before competitors do.

With $2.8 trillion in CRE loans set to mature through 2028 and regional banks pulling back from lending, the window to approach borrowers has compressed from 18 months to 6-9 months before maturity. Smart lenders are now tracking specific distress signals—debt service coverage ratio (DSCR) dropping below 1.15x, occupancy declining 10%+ YoY, or sponsors missing capital calls—to identify opportunities 12-24 months out.

In this article, we break down how loan maturity data works - and how lenders can use it to source deals, manage risk, and build stronger pipelines.

Building a Lending Pipeline with Loan Maturity Data

CRE loan maturity data shows lenders when a property will soon need new financing. 

Smart lenders segment maturity data by stress factors: sort upcoming maturities by properties with occupancy below 80%, DSCR under 1.2x, or loans originated at sub-4% rates. A multifamily property with a 3.5% loan maturing into today's 6.5% environment needs 35% higher NOI just to maintain the same DSCR—most can't achieve this through rent growth alone.

For originators, these metrics become a powerful business development tool. They can build stronger pipelines by targeting borrowers whose financing is about to roll over. Underwriters can check their assumptions using real NOI, DSCR, and comparable data, so they don’t have to rely on guesswork during review.

Used proactively, these insights help lenders act before the market shifts.

Reducing Risk Through Smarter Underwriting

Strong underwriting starts with clear and up-to-date information. When lenders review a deal, they check debt maturities, NOI, and cash flow to see how a property is really performing. This is especially useful in softer markets. Lenders tracking these maturities can require fresh appraisals 18 months out, negotiate assumption deals, or structure bridge-to-perm solutions before distress hits.

Loan maturity timelines can warn of trouble early. A building with high vacancy or inflated income numbers may have a hard time meeting new loan terms. 

Example: A retail center showing $2.8M NOI on paper might have three tenants on month-to-month leases representing 40% of that income. Real-time tenant data reveals this concentration risk that static financials miss.

Access to accurate CMBS loan data and real-time financial details helps underwriters rely on what’s happening now. This clearer view supports better lending decisions and helps keep pipelines steady and healthy.

Inside Crexi’s Loan & Financial Data

Data in commercial lending often lives in too many places: county records, loan documents, SEC filings, and spreadsheets. Pulling it all together takes time, and missing pieces can slow reviews or hide good opportunities. That’s why having one clear view of loan and financial details matters so much.

Crexi combines key data points lenders use every day, including:

• Loan maturity dates: CMBS and private loans with full term details.
• Financing details: Interest rates, origination dates, and lender names.
• Financial performance: SEC-reported NOI and DSCR, plus tenant and occupancy data.
• Ownership insights: Records that show who owns each property and how it fits within their portfolio.

Having all this information in one place saves time and helps teams make faster, better-informed decisions. Originators and underwriters can see the full picture, layered over demographic insights to provide an even more comprehensive overview. As a result, they spend less time chasing paperwork and more time finding real lending opportunities. In a business where timing matters, that kind of clarity makes a real difference.

Lenders like Dan Sterba from LCD Commercial Lending use these tools to find new deals and support their clients. 

“Education is a huge part of what we do. We work with many commercial stakeholders that are just dipping their toes into commercial real estate, and Crexi has been a great tool with which to advise people.”

By spotting loans that are close to maturity, Dan’s team can reach out early and help borrowers plan their next steps. Having clear data makes their research faster and their advice stronger. These insights don’t just help close loans; they help strengthen long-term client relationships.

How to Use Crexi Intelligence to Search Loan Maturity Data

Use this quick workflow to find upcoming debt maturities for CRE using Crexi Intelligence. From here, you can build a targeted outreach list.

1. Open Property Data → Comps & Records.
2. Click “All Filters,” then go to Financing & Sale.
3. Turn on CMBS properties to view records with SEC-reported financials.
4. Pick a market and set an asset type to narrow the results.
5. Add maturity filters to find loans coming due in the next 12–24 months.
6. Open a property record and scroll to Financing History to see lender, rate, term, NOI, DSCR, tenants, and lease expirations.
7. Save or export the list for outreach and follow-up.

There are several highly useful options for filtering and exporting, including:

• Market & Asset Type Selection: Choose a market (e.g., Las Vegas) and filter by asset types like retail, multifamily, or industrial.
• Financing Filters: In “All Filters,” narrow by origination date, loan amount, lender, or maturity date.
• Upcoming Maturities: Pull properties with loans maturing in 1–2 years. See asset type, transaction history, owner, price, and loan details.
• Property & Loan Details: Open each record to see the loan history. View details such as lender, rate, term, maturity date, and owner information.
• Export to Excel: Download a list with property addresses, owners, lenders, loan types, and maturity dates. Each export links back to the record for quick access.
• Contact Information: Exports include owner names and contact info to enable direct outreach.

This streamlined workflow helps lenders move quickly from market search to borrower outreach, all in one place.

Engaging Leads at Scale

Sometimes you need to update everyone at once, like when you adjust pricing, add new photos, or schedule tours. With Contact Leads, you can send one message to all your prospects. The platform sends each email individually, so it feels personal on their end. To keep it clean, use a simple greeting like “Hi there.”

You can also use Crexi email campaigns and track open and click-through rates with the Marketing Performance dashboard. That way, you know who’s paying attention and who might need a follow-up call.

Work smarter by:

• Sending bulk updates in one click
• Using neutral greetings for accuracy
• Tracking who opens and clicks

The Bottom Line for Lenders

The lenders winning in 2026 and beyond aren't waiting for borrowers to call—they're identifying stress 18 months early and positioning themselves as solutions partners, not just capital providers. With trillions in CRE debt maturing in the next three years, the question isn't whether to track maturities, but how fast you can act on the intelligence.

Crexi Intelligence brings loan, property, and market data together in one place. This all-in-one view makes it easier to find the right opportunities and manage risk with confidence.

Try Crexi Intelligence to discover new lending opportunities and stay ahead in a changing market.