Who lends on commercial real estate in Shelby County
48 lenders have closed 475 commercial mortgages recorded in Shelby County since Nov 2023, counting only institutions with 3 or more here. The three most active: FINANCIAL FEDERAL BANK, FIRST HORIZON BANK, BLACKWELL STACI TR. Every row below is what a lender has recorded, dated to its last closing here — not a credit box, and not a promise that it is lending on the same terms today.
Counted from the Register of Deeds record for Shelby County: one row per loan, the originator of record only, every spelling of an institution folded together, loans of $1M and up on commercial collateral. The last 36 months, as of Nov 2026. Shelby County has 1,396 active commercial loans on file today.
The most active lenders
| Lender | Type | Closings in Shelby County | In Memphis | Typical size | Active as of |
|---|---|---|---|---|---|
| FINANCIAL FEDERAL BANK | Bank | 22 | 22 | $1.2M–$2.6M | Jan 2025 |
| FIRST HORIZON BANK | Bank | 20 | 20 | $2.5M–$11M | Dec 2024 |
| BLACKWELL STACI TR | — | 16 | 16 | $3.1M–$33.6M | Dec 2024 |
| PINNACLE BANK | Bank | 12 | 12 | $1.1M–$3.4M | Sep 2025 |
| PREHEIM ARNOLD W TR | — | 12 | 12 | $1M–$1.9M | Jan 2025 |
| RILEY YALE TR | — | 8 | 8 | $4.3M–$26.6M | Jan 2025 |
| COBB M ANDERSON JR TR | — | 8 | 8 | $1.2M–$10.6M | Dec 2024 |
| PARAGON BANK | Bank | 8 | 8 | $1.1M–$1.3M | Nov 2024 |
| KIAVI FUNDING | Debt fund / private | 7 | 7 | $2.8M–$6.6M | Oct 2024 |
| CAMPBELL L HUNT TR | — | 6 | 6 | $1.3M–$2.1M | Dec 2024 |
Top 10 of 48 lenders with 3+ closings in Shelby County on this cut. All 48, with their lending desks — free seat.
Ranked by closings in Shelby County, then across Memphis. Typical size is the middle half of the lender's recorded amounts across Memphis. Active as of = the month of its last recorded closing in Shelby County.
By loan size
The five most active lenders in each size band, by the original principal recorded. A lender that leads at $1M–$3M is rarely the one to call at $25M.
$1M–$3M · 223 closings, 20 lenders
| Lender | Type | Closings in Shelby County | Typical size | Active as of |
|---|---|---|---|---|
| FINANCIAL FEDERAL BANK | Bank | 18 | $1.2M–$2.2M | Jan 2025 |
| PREHEIM ARNOLD W TR | — | 9 | $1M–$1.2M | Jan 2025 |
| PARAGON BANK | Bank | 8 | $1.1M–$1.3M | Nov 2024 |
| PINNACLE BANK | Bank | 7 | $1M–$2M | Aug 2025 |
| FIRST HORIZON BANK | Bank | 7 | $1.3M–$2.3M | Nov 2024 |
Top 5 of 20 lenders with 3+ closings in Shelby County on this cut. All 20, with their lending desks — free seat.
$3M–$10M · 119 closings, 9 lenders
| Lender | Type | Closings in Shelby County | Typical size | Active as of |
|---|---|---|---|---|
| FIRST HORIZON BANK | Bank | 6 | $3.1M–$7.2M | Dec 2024 |
| PINNACLE BANK | Bank | 5 | $3.3M–$3.6M | Sep 2025 |
| BLACKWELL STACI TR | — | 5 | $3.7M–$6.9M | Dec 2024 |
| RILEY YALE TR | — | 4 | $3.7M–$4.5M | Oct 2024 |
| FINANCIAL FEDERAL BANK | Bank | 4 | $4.9M–$5.8M | Oct 2024 |
Top 5 of 9 lenders with 3+ closings in Shelby County on this cut. All 9, with their lending desks — free seat.
$10M–$25M · 59 closings, 3 lenders
| Lender | Type | Closings in Shelby County | Typical size | Active as of |
|---|---|---|---|---|
| FIRST HORIZON BANK | Bank | 4 | $11M–$11M | Dec 2024 |
| PIEDMONT BANK | Bank | 4 | $20M–$20M | Nov 2023 |
| COBB M ANDERSON JR TR | — | 3 | $10.6M–$10.9M | Oct 2024 |
$25M and up · 83 closings, 5 lenders
| Lender | Type | Closings in Shelby County | Typical size | Active as of |
|---|---|---|---|---|
| BLACKWELL STACI TR | — | 6 | $33.6M–$46.3M | Nov 2024 |
| FIRST HORIZON BANK | Bank | 4 | $62.8M–$74.8M | Sep 2024 |
| WALKER & DUNLOP | Agency (Fannie/Freddie/HUD) | 3 | $26M–$37.2M | Nov 2024 |
| LEE T MARK TR | — | 3 | $118M–$463M | Aug 2024 |
| FOSTER MATT TR | — | 3 | $31.1M–$98.1M | Jul 2024 |
Every lender in Shelby County, with the desk to call
The lender search opens on Shelby County: all 48 institutions with closings here and the rest of Memphis's 48 behind them, any property type and size band, each one's recorded footprint by county and quarter, and the commercial lending people their own team pages name — with published work emails where there are any.
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How these lenders are counted
- Source of record. Every closing is a mortgage recorded in Register of Deeds for Shelby County, credited to the lender the instrument names. A nominee, servicer or trustee in that position is not counted — MERS has never lent anyone anything.
- One institution, many spellings. A bank records under dozens of names; they are grouped into one institution, and a successor or trade name is folded by the lender crosswalk on the methodology page. The clerk never updates a name after a merger, so a bank that no longer exists still appears on the record under its old name until a crosswalk row folds it.
- One loan, one closing. A blanket loan over several lots, or a facility recorded once per property, counts once.
- Revealed, not stated. This is what each lender has done, not what it says it wants. No lender has told us its credit box, and the page never guesses one from the sizes it has closed.
- Dated. The window is the last 36 months to Nov 2026; a lender's row ends with its last closing here. Re-counted every six hours from the weekly re-read of the record.
When these loans come due is on the Shelby County maturities page.