Building Strength in Your Business

Get a fixed interest rate up to 10 years with Citadel’s Owner-Occupied Mortgages for commercial real estate properties.

Owner-Occupied Commercial Mortgages

With an Owner-Occupied Commercial Mortgage through Citadel, business owners can borrow up to 80% Loan-To-Value (LTV) financing to purchase or refinance owner-occupied commercial real estate. Financing is available for office buildings, warehouses, medical and professional offices and retail properties.

Leverage your business equity by trusting Citadel as your financial partner for your commercial property. Together we'll find the lending option to meet your unique business needs.

Committed to Building Your Business

Our Business Lending Team is committed to helping you grow your business. We will be with you every step of the way to guide you through the lending process.

Local Service

For more than 80 years, Citadel has been proudly serving customers with best-in-class service. We are conveniently located in your backyard to support all your financing needs.

Additional Features

  • No Pre-Payment Penalty
  • Flexible Payment Terms
  • Loans up to $20,000,000

Commercial Mortgage Rates

*Offers are subject to credit approval. APR = Annual Percentage Rate. Read Full Disclosures.

Schedule Appointment

Enjoy competitive rates and flexible terms with a Citadel Commercial Mortgage.

Learn More

Speak with a Commercial Loan Officer

Jackie Garress, Commercial Loan Officer
Jackie Garress
Commercial Loan Officer
John Hamilton, Commercial Loan Officer
John Hamilton
Commercial Loan Officer
Best For...
Medical & Professional Offices
Flex-Space & Warehouses
Commercial Properties
Retail Properties

Ready to speak with a representative about Citadel's Owner-Occupied Commercial Mortgage loan?

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Introducing Citadel Video Connect

We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.

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*Owner-Occupied Commercial Mortgages Disclosures

View *Owner-Occupied Commercial Mortgages Disclosures

Citadel is an Equal Housing Lender.

*Rates expressed as Annual Percentage Rate (APR). Rates are accurate as of and are subject to change without notice.

Offer subject to receipt of a complete Citadel application, credit approval and other conditions. Terms offered are available for business purpose loans only with adequate property valuation (maximum LTV of 80%) and first mortgage position required. Loans may be subject to commitment and documentation fees, as applicable. Other terms, conditions, fees and restrictions may apply.

The mortgaged property must be at least 51% owner-occupied for commercial use. Offer not available to applicants with an existing Citadel commercial mortgage. Property insurance is required. Flood and/or title insurance may be required at an additional expense to the borrower. An appraisal will be required at the borrower’s expense for loans exceeding $250,000. To qualify, applicant must be in business for a minimum of three years.

Loans are available on commercial properties in PA, NJ, MD, and DE.

After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact a Citadel representative for details.