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 Banking 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 Expertise

With decades of deep expertise in the Greater Philadelphia region and a firm commitment to the community, Citadel is proud to offer a relationship-based approach. Since we're local, we're able to maintain meaningful, ongoing connections to strengthen your business.

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.

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

Learn More

Speak with a Business Banking Expert

Jackie Garress, Commercial Loan Officer
Jackie Garress
Commercial Loan Officer
John Hamilton, Commercial Loan Officer
John Hamilton
Commercial Loan Officer
Anil Punjwani, Senior Relationship Manager, Business Banking
Anil Punjwani
Senior Relationship Manager
Brendon Robinson, Senior Relationship Manager, Business Banking
Brendon Robinson
Senior Relationship Manager
Eric Murchison, Senior Relationship Manager, Business Banking
Eric Murchison
Senior Relationship Manager
Kye Kreutzberger, Senior Relationship Manager, Business Banking
Kye Kreutzberger
Senior Relationship Manager
Best For...
Medical & Professional Offices
Flex-Space & Warehouses
Commercial Properties
Retail Properties
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Chat Face-to-Face With Citadel Video Connect

Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.

On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:

✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert

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Hear From Our Members

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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.