Multifamily · St. Louis, Missouri
Chroma Apartments
Public CMBS trusts hold $50.0M of the loan on Chroma Apartments at 3.962% that reaches maturity on November 11, 2029, in 3 years. As of the Sep 2026 servicer report, the latest filed for this loan, its status is current.
The loan
- Balance in tracked trusts
- $50,000,000
- Original balance (same notes)
- $50,000,000
- Interest rate
- 3.962% fixed
- Originated
- November 4, 2019
- Maturity
- November 11, 2029
- Payments
- Interest only for the full term
- Prepayment lockout ends
- August 10, 2029
- Master servicer
- Trimont LLC
- Originator
- Wells Fargo Bank, National Association
Status
- Payment status
- Current (code 0)
- Special servicing
- No transfer reported
- Defeasance
- None reported
The property
- Address
- 4001-4041 Chouteau Avenue, St. Louis, MO 63110
- Metro
- St. Louis, MO-IL
- Units, rooms or beds
- 235
- Built
- 2018
- Value at securitization
- $73.0M (Aug 2019)
Performance
| At securitization | Latest (Mar 2026) | |
|---|---|---|
| DSCR (NOI) | 1.85x | 1.34x |
| Occupancy | 95% | 80% |
| Net operating income (annualized from 3 months) | $3.7M | $2.7M |
| Debt yield | 5.4% |
Debt yield here is the latest NOI divided by the balance held in the trusts below. If part of the loan sits outside them, the true figure is lower.
Watch flags
Computed from the BANK 2020-BNK25 filing for the reporting period ending September 11, 2026, filed with the SEC September 29, 2026.
- Coverage down 0.25x or more from securitization
- Occupancy down 10 points or more from securitization
- NOI down 20% or more from securitization
cmbs.news's own rule-based labels on the filed fields (definitions), not a credit rating, a prediction or a view of the borrower.
What the filing shows
- Occupancy has fallen from 95% when the loan was securitized to 80%.
- Net operating income is 27% below the underwritten figure ($2.7M a year against $3.7M; the latest statement covers 3 months, annualized).
- Debt service coverage moved from 1.85x at securitization to 1.34x on the latest statements.
The last 12 monthly reports
| Report month | Balance | Payment status | Special servicer | DSCR | Occupancy |
|---|---|---|---|---|---|
| September 2026 | $50.0M | Current | No | 1.34x | 80% |
| August 2026 | $50.0M | Current | No | 1.34x | 80% |
| July 2026 | $50.0M | Current | No | 1.34x | 80% |
| June 2026 | $50.0M | Late payment but less than 30 days delinquent | No | 1.34x | 80% |
| May 2026 | $50.0M | Current | No | 1.34x | 80% |
| April 2026 | $50.0M | Current | No | 1.20x | 85% |
| March 2026 | $50.0M | Current | No | 1.20x | 85% |
| February 2026 | $50.0M | Current | No | 1.20x | 85% |
| January 2026 | $50.0M | Current | No | 1.05x | 85% |
| December 2025 | $50.0M | Current | No | 1.05x | 85% |
| November 2025 | $50.0M | Current | No | 1.37x | 77% |
| October 2025 | $50.0M | Current | No | 1.37x | 77% |
From each trust's ABS-EE filing for that month. Coverage and occupancy change only when the servicer reports new statements. If one trust holding a piece of the loan skipped a month, that month's balance reads low.
Where the loan sits
The loan is split into 2 notes held by different trusts. Each trust reports its own piece.
| Trust | Loan no. | Balance | Report period | Source |
|---|---|---|---|---|
| UBS Commercial Mortgage Trust 2019-C18 | 2 | $35,000,000 | Sep 2026 | SEC filing, September 28, 2026 |
| BANK 2020-BNK25 | 29 | $15,000,000 | Sep 2026 | SEC filing, September 29, 2026 |
Other St. Louis loans due in 2029
| Property | Location | Type | Balance | Rate | Matures | DSCR | Occ. | Status |
|---|---|---|---|---|---|---|---|---|
| 5301 Old Baumgartner Road | St Louis, MO | Industrial | $60.0M | 5.176% | Oct 2029 | n/a | n/a | Current |
| Norwood Court Apartments | St. Louis, MO | Multifamily | $41.3M | 6.318% | Aug 2029 | n/a | n/a | With the special servicer and 90+ days delinquent |
| 575 Maryville | Town & Country, MO | Office | $35.0M | 4.822% | Jan 2029 | 2.27x | 86% | Current |
| Tribeca Apartments | St. Louis, MO | Multifamily | $24.2M | 3.49% | Nov 2029 | 1.98x | 93% | Current |
| Mark Twain Village | St. Charles, MO | Retail | $19.6M | 4.13% | Jun 2029 | 1.80x | 95% | Current |
| Capital at St. Charles | Saint Charles, MO | Multifamily | $16.5M | 3.84% | Aug 2029 | 3.64x | 96% | Current |
| Magnolia Hotel St. Louis | St. Louis, MO | Hotel | $14.4M | 4.77% | May 2029 | -1.29x | 59% | Current |
| Gateway Tower, St Louis | St Louis, MO | Office | $13.2M | 4.015% | Sep 2029 | 0.72x | 48% | With the special servicer and 90+ days delinquent |
Source: each trust's ABS-EE asset-data exhibit (Regulation AB Schedule AL) on SEC EDGAR, reporting period ending September 11, 2026. Servicers report these figures; cmbs.news does not audit them. How this page is built.