Life company lender program — full lender table
MetLife Commercial Mortgage Loans
MetLife Investment Management originates commercial mortgages directly from its general account, with one of the widest sector appetites in the life company space. CLS places loans with MetLife on the open market and maintains an active MetLife relationship in its lender database.
Channel: Direct desk — open-market submissions via CLS
Program parameters
| Loan size | $10M to $200M+ per property |
| Terms | 3 to 30 years; fixed and floating |
| Leverage | ~65% LTV typical, higher selectively |
| Programs | Permanent; bridge; construction; mezzanine; interest-only options |
| Property types | Multifamily, industrial, retail, office (selective), hotel, student housing, manufactured housing, BTR |
| Geography | Primary markets plus selective secondary |
Why borrowers pick MetLife through CLS
Widest sector list of any life desk
Student housing, MH and BTR are fundable where most life companies pass.
Flexible structures
Bridge, construction and mezz from the same balance sheet.
Scale
A single $200M check is available for the right portfolio.
How placement works
CLS underwrites the opportunity, matches it to the desks currently competing — MetLife included — and builds a comparable field of proposals across rate, proceeds, recourse, prepayment, and closing certainty. You see every live option, not just the first term sheet.
Ready to test the market? Submit your transaction or review the full life company lender table.
MetLife lending, clarified.
Does MetLife lend through brokers?
Yes. MetLife Investment Management works with commercial mortgage brokers. CLS CRE places loans with MetLife through direct open-market submission and an active relationship in our lender database. The desk evaluates the asset, sponsorship, and market, then quotes structure and spread.
What loan sizes does MetLife offer?
$10M–$200M+ per property. Spreads are set deal-by-deal over Treasury yields; the ranges shown reflect recently executed transactions and current desk guidance.
How do I qualify for a MetLife commercial mortgage?
Stabilized, documented NOI; institutional-quality asset in a proven market; conservative leverage with 1.25x+ DSCR; and a sponsor group with net worth and liquidity. Submit through CLS CRE and we underwrite the deal against the desk's current appetite before it goes anywhere.
How fast can a MetLife loan close?
Typically 45 to 75 days from executed term sheet on correspondent and direct executions, depending on third-party report turnaround and title. CLS manages appraisal, environmental, and property condition through Symetra-style approved vendor lists.
Other life company lender programs
Symetra
Principal Life
Manulife (John Hancock)
Guardian Life
Protective LifeGet a MetLife quote.
Share the property and financing request. We will respond within 24 hours with an initial view.
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