Commercial loans maturing in Shelby County
329 of the 1,396 active commercial loans recorded in Shelby County mature in the next 12 months, as of Nov 4, 2026. 111 of those dates are stated on the recorded instrument ($1.21B of original principal); 218 are modelled by lender type and marked as estimates. 73 loans are past a stated maturity with no payoff on file.
Every figure on this page is counted from the Register of Deeds record for Shelby County: loans of $1M and up with an active lien, re-verified against the recorder each week, placed at the address the Register of Deeds indexes — Shelby County publishes no parcel roll for public use, so no owner of record, value or property type from a roll appears here. A maturity read off the instrument is a fact; a modelled one is an estimate, and the tables below keep the two apart.
- Active commercial loans
- 1,396
- Maturing in the next 12 months
- 329
- Stated on the instrument
- 48%
- Median loan
- $3.7M
Shelby County, Register of Deeds. As of Nov 4, 2026.
When the loans come due
| Window | Loans | Stated on the instrument | Estimated | Stated principal |
|---|---|---|---|---|
| Next 6 months | 157 | 56 | 101 | $598.6M |
| 6 to 12 months out | 172 | 55 | 117 | $613.4M |
| 12 to 24 months out | 32 | 27 | 5 | $532.6M |
| Past maturity, no payoff recorded (1–24 months) | 73 | 73 | — | $739.1M |
Active commercial loans in Shelby County by best-available maturity: the stated date where the recorded instrument has one, otherwise the modelled date. The past window counts stated dates only (and a rate reset read from the rider), never a lapsed estimate — a short guess is not a loan past due. Stated principal is the original amount of the stated loans, excluding facility counterparts and recordings outside the headline guards on the methodology page.
What the collateral is
| Property type | Active loans | Maturing in 12 months |
|---|---|---|
| Not classified by the county | 1,329 | 329 |
| Multifamily | 60 | 0 |
| Industrial | 2 | 0 |
| Office | 2 | 0 |
| Retail | 2 | 0 |
| Self Storage | 1 | 0 |
Property type from Assessor of Property. A blanket loan over several lots counts once, under the type the county records most often for it.
Who wrote the loans coming due
| Lender | Type | Active loans | Maturing in 12 months | Stated |
|---|---|---|---|---|
| FIRST HORIZON BANK | Bank | 53 | 17 | 2 |
| BLACKWELL STACI TR | — | 53 | 10 | 0 |
| FINANCIAL FEDERAL BANK | Bank | 36 | 10 | 10 |
| ORION FEDERAL CREDIT UNION | Credit union | 18 | 9 | 9 |
| CAMPBELL L HUNT TR | — | 17 | 8 | 0 |
| INSOUTH BANK | Bank | 15 | 8 | 0 |
| PINNACLE BANK | Bank | 39 | 7 | 1 |
| FOSTER MATT TR | — | 13 | 7 | 0 |
| EVERTON GLENN D TR | — | 11 | 6 | 0 |
| SIMMONS BANK | Bank | 18 | 5 | 3 |
The ten institutions with the most Shelby County loans maturing in the next 12 months, as the originator of record. Spellings are grouped into institutions (one bank records under dozens of names); a successor or trade name is folded by the lender crosswalk on the methodology page. Stated = the loan's maturity is on the instrument. Who has been lending here lately, by property type and loan size, is on the Shelby County lender page.
See the loans behind these numbers
The list builder opens on Shelby County, next 12 months: every loan with its lender, amount and maturity, stated or estimated, and the owner behind the LLC on each one.
Open the Shelby County listFree seatNo card10 owner reveals60 searchesNothing expires
One building in Shelby County?
Type its address and see every active mortgage recorded on it — lender, amount and the maturity read from the instrument, or an estimate marked ≈. Free, no account.
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How these numbers are counted
- Source of record. Every loan is a recorded instrument in Register of Deeds for Shelby County, placed by the address the index carries; no parcel roll is joined. Trade press is not a source.
- Scope. Memphis is a light read: Circlemark lists the mortgages whose maturity falls inside the next twelve months — the origination years that a five-, seven- or ten-year term or a three-year bridge puts due now — rather than every loan recorded since 2015, and reads each one's first pages for the stated principal and maturity. A loan due in three years is not listed yet. How the light read works.
- Floor. Loans of $1M and up on commercial collateral. A loan on a single house is excluded; a blanket over three or more houses is a portfolio and counts once.
- Active means active. A recorded satisfaction, release, consolidation or foreclosure drops the loan the week it is recorded. Shelby County is re-read every week.
- Stated versus estimated. A stated maturity is read from the scanned instrument and cited to its page. Where the document states none, the date is modelled from the origination date and the lender type's usual term, always marked ≈, never presented as a fact — and never counted as past due.
- As of Nov 4, 2026. The counters are recomputed daily from the record; this page cites the last run.
- Kept monthly. The last run of each month is Shelby County's entry in the Circlemark Maturity Index, so each edition can say what moved.
The full method, provenance tiers and known gaps are on the methodology page; what is particular to this market is on the Memphis page.
Questions
How many commercial loans in Shelby County mature in the next 12 months?
329 of the 1,396 active commercial loans Circlemark tracks in Shelby County have a maturity in the next 12 months, as of Nov 4, 2026. 111 of those dates are stated on the recorded instrument; the other 218 are modelled from the origination date and the lender's usual term, and are always labelled as estimates.
Where do Shelby County maturity dates come from?
From the recorded document. Register of Deeds indexes the parties and the parcel, never the term, so Circlemark reads the scanned instrument and cites the stated maturity to its page. 664 of the 1,396 active loans here (48%) state one; the rest carry a modelled date marked with ≈, never shown as a fact.
Which lenders have the most Shelby County loans coming due?
By loans maturing in the next 12 months: FIRST HORIZON BANK, BLACKWELL STACI TR, FINANCIAL FEDERAL BANK. The table above ranks the ten institutions with the most loans coming due in Shelby County, grouped by institution rather than by the spelling on each recording, with how many of each lender's dates are stated on the instrument.