Commercial Lending Loan Spread Rate Update - July 11, 2025
- CommCap Advisors
- Jul 17
- 2 min read
The Federal Reserve kept interest rates unchanged at 4.25%–4.50% last month, opting to wait for clearer signs of easing inflation and stable economic activity before moving forward with any further cuts. While the Fed continues to take a cautious stance, some policymakers have indicated that a rate cut could be on the table at the upcoming July 30 meeting. This guarded optimism reflects the view that recent inflationary pressures, particularly those driven by tariff policy, may be temporary. If inflation continues to moderate and the economy remains steady, the Fed may gain confidence in easing rates in the near future. The 10-year Treasury yield declined nearly 8 basis points, settling at 4.41%, as markets responded to growing signals that rate cuts may be on the horizon. Discussions among Fed policymakers remain ongoing, with future decisions likely to depend on the trajectory of economic growth and labor market conditions.
As yields fluctuate, "current rates" quickly become obsolete. However, spreads remain applicable and fitting to deal characteristics. Though rates are important, having a well articulated and defined debt plan matching your long-term investment plan is vital. The experts at CommCap are here to help you understand goals and navigate the current market providing access to multiple lending sources, early rate-locks, cash out refinancing, and more.
As your exclusive advisors, CommCap utilizes proprietary systems, market expertise, and years of experience to secure aggressive financing options that best fit your property. Exclusive correspondent and servicing relationships with Life Insurance Company, CMBS, and Agency lenders ensure a broad and in-depth representation of current market conditions. Our team of advisors craft a loan structured to enhance revenue and allow you to focus on increasing cash flow.
We do not list, sell, manage, or lease property. We only arrange financing and are the best at what we do.
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