Commercial Loan Direct (CLD) provides commercial real estate loans in the state of Maryland. Current commercial loan rates in Maryland range from 4.9% to 12.85%, depending on the loan program. CLD is a national commercial mortgage banker offering aggressively priced programs and superb service. CLD originates loans for its parent company CLD Financial which provides a wide variety of lending vehicles. Our company is currently targeting owner occupied and investment properties over $1 Million in the state of MD.
Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.
The types of mortgages available for these types of properties are Conventional, CMBS / Conduit, Insurance, and Agency (FHA / HUD and USDA) products. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition, stabilize or construct buildings. Commercial real estate investment properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospitals), hospitality, (hotel, motel, resort), and mixed use.
Owner-Occupied commercial real estate properties in which the owner occupies at least 50% of the premises and can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of commercial property. The types of mortgages available for owner-occupied buildings include Conventional, Insurance, and Agency programs including FHA / HUD, SBA, and USDA. Construction mortgages are also available on a case-by-case basis in order to develop or reposition a property for the owner's use.
Maryland’s commercial lending market is active, capital-rich, and highly segmented. Lenders are present across banks, credit unions, and institutional sources, but underwriting varies widely by asset type, submarket, and regulatory exposure. Proximity to Washington, DC and a large government-driven economy strongly influence lender behavior.
Owner-occupied properties remain among the most lender-friendly transactions, especially when supported by established professional, medical, and service businesses.
Stabilized multifamily underwrites well when operating history is clean and expenses are controlled, particularly workforce and mid-market housing.
Medical, life sciences, and government-adjacent properties tend to receive favorable consideration due to durable demand and institutional tenancy.
Industrial and flex assets near major highways and ports (Baltimore region) remain lender-favored.
Office is underwritten conservatively, particularly older buildings and properties with limited leasing momentum.
Value-add and redevelopment deals face tighter leverage, higher equity requirements, and closer scrutiny of construction costs and entitlement risk.
Hospitality can receive conservative terms due to seasonality and exposure to business and government travel cycles.
Montgomery and Prince George’s Counties: Strong lender interest driven by proximity to DC, with focus on multifamily, medical, and government-related uses.
Baltimore Metro: Broad lending activity for industrial, stabilized multifamily, and essential-use properties, with selective office underwriting.
Suburban and secondary markets: Financing is available, though lenders emphasize sponsor experience and tenant quality.
Regional and national banks are very active, especially for relationship-driven borrowers and stabilized assets.
Credit unions can be competitive for owner-occupied and smaller-balance loans.
Life companies and institutional lenders focus on large, stabilized assets with long-term income visibility.
Debt funds and non-bank lenders participate in transitional or complex deals, typically at higher cost.
Regulatory and zoning considerations are closely reviewed and can affect leverage and loan structure.
Expense pressure, including taxes, labor, and insurance, is stressed in lender models.
Sponsor liquidity and experience carry significant weight in credit decisions.
A strong Maryland loan request typically includes conservative leverage, defensible historical NOI, stable tenancy, and experienced sponsorship.
Deals relying on aggressive rent growth, rapid repositioning, or uncertain office recovery narratives tend to struggle.
Maryland is a capital-available but underwriting-driven lending environment. Owner-occupied, stabilized multifamily, medical, and industrial assets provide the clearest paths to financing, while office and redevelopment projects face tighter terms.
We are proud to be serving the state of Maryland. Here are our commercial loan statistics for this state.
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Commercial loan direct provides services in the following Maryland cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale, feel free to use the provided Maryland economic reports to get a better understanding of your market.
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What Clients Say About Us
Fernando and Leanne are amazing. I had many small businesses that need refinancing over the years. I have met many Brokers and there is always a catch. ALWAYS!… Use them! Once you do you will work with them forever
- Nirav Patel
If you searching for a great experience Commercial Loan Direct is the place. Leanne took care of me and honestly had the greatest experience. She handled all of my needs in a smooth and timely manner listened and addressed any concerns I had about the process and was very patient. I can be quite a handful at times and Leanne was so professional and kind hearted. I'd 100% recommend this company. Thank you again.
- Vincent Arias
We were in unfamiliar territory when it came to refinancing. Commercial Loan Direct streamlined the whole process for us. Leann connected us with lenders that were the right fit for us. The money and time we saved was so worth it. I highly recommend them
- Rita Pisarski
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