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The Real Estate Finance Industry Confronts the New World

Let’s talk about the real estate finance industry. By now, you may have heard that the industry is in a crisis, that its business model is fundamentally flawed, and that its recent pricing increases couldn’t be justified if it had to make its loans on a cost basis. That’s not the whole story though.

To be sure, there are a lot of distressed loans out there. The CRE Finance Index, a survey of contracts to refinance commercial real estate loans that lenders use to benchmark interest rates, has been tracking a dramatic increase in the volume of loans coming due from the CRE Finance Index between 2007 and 2011. That is, lenders were refinancing loans to buy time. But the process hasn’t worked because the price of that time was just too high. This is not the first time that CRE lenders have been faced with a choice between keeping their portfolios on their books at historically low interest rates and realizing a profit, or solving their capital constraints via refinancing. Loans held off going bad because they priced the opportunity cost of refinancing too high.

CRE lenders have also had to deal with an increase in competition. No longer is there just one company out there that underwrites CRE loans. All the big banks are getting into CRE lending, and they all have their own brand of CRE loans. That has its benefits and its disadvantages. In many cases, borrowers have better access to credit, and there’s a higher level of diversification of loans. But CRE loans aren’t bankable like CMBS loans used to be, because they have riskier attributes that mean capital markets might not be willing to pay a market premium for them.

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