Retail · Naperville, Illinois
Cress Creek Square Shopping Center
Cress Creek Square Shopping Center is financed with a $19.0M CMBS loan at 6.83% that reaches maturity on May 6, 2035, in 8 years and 6 months. As of the Sep 2026 servicer report, the latest filed for this loan, its status is current.
The loan
- Balance in tracked trusts
- $19,000,000
- Original balance (same notes)
- $19,000,000
- Interest rate
- 6.83% fixed
- Originated
- April 30, 2025
- Maturity
- May 6, 2035
- Payments
- Interest only for 60 months, then amortizing
- Prepayment lockout ended
- May 5, 2026
- Prepayment premium ends
- November 5, 2034 (yield maintenance)
- Master servicer
- Trimont LLC
- Originator
- LMF Commercial, LLC
Status
- Payment status
- Current (code 0)
- Special servicing
- No transfer reported
- Defeasance
- Partly defeased
The property
- Address
- 702-764 Royal Saint George Drive, Naperville, IL 60563
- Metro
- Chicago-Naperville-Elgin, IL-IN
- Rentable area
- 144,447 sq ft
- Built
- 1987
- Largest tenants
- BINNY'S LIQUORS; Fresh Thyme Farmers Market; KULAMALLC
- Value at securitization
- $31.8M (Apr 2025)
Performance
| At securitization | Latest (Mar 2026) | |
|---|---|---|
| DSCR (NOI) | 1.45x | 1.68x |
| Occupancy | 98% | 96% |
| Net operating income (annualized from 3 months) | $2.2M | $2.2M |
| Debt yield | 11.6% |
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 BMO 2025-C12 Mortgage Trust filing for the reporting period ending September 11, 2026, filed with the SEC October 2, 2026.
None this month. No flag in the cmbs.news screen applies to this loan.
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
- Debt service coverage moved from 1.45x at securitization to 1.68x on the latest statements.
- The filing gives May 2030 as the lease end date for the largest tenant (BINNY'S LIQUORS), before the loan matures. Lenders look hard at that rollover.
The last 12 monthly reports
| Report month | Balance | Payment status | Special servicer | DSCR | Occupancy |
|---|---|---|---|---|---|
| September 2026 | $19.0M | Current | No | 1.68x | 96% |
| August 2026 | $19.0M | Current | No | 1.68x | 96% |
| July 2026 | $19.0M | Current | No | 1.62x | 99% |
| June 2026 | $19.0M | Current | No | 1.62x | 99% |
| May 2026 | $19.0M | Current | No | 1.62x | 99% |
| April 2026 | $19.0M | Current | No | 1.62x | 99% |
| March 2026 | $19.0M | Current | No | n/a | n/a |
| February 2026 | $19.0M | Current | No | n/a | n/a |
| January 2026 | $19.0M | Current | No | n/a | n/a |
| December 2025 | $19.0M | Current | No | n/a | n/a |
| November 2025 | $19.0M | Current | No | n/a | n/a |
| October 2025 | $19.0M | Current | No | n/a | n/a |
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
One trust holds this loan in the data.
| Trust | Loan no. | Balance | Report period | Source |
|---|---|---|---|---|
| BMO 2025-C12 Mortgage Trust | 10 | $19,000,000 | Sep 2026 | SEC filing, October 2, 2026 |
Other Chicago-Naperville-Elgin loans due in 2035
| Property | Location | Type | Balance | Rate | Matures | DSCR | Occ. | Status |
|---|---|---|---|---|---|---|---|---|
| Thewit Chicago | Chicago, IL | Hotel | $81.0M | 7.269% | Jan 2035 | 1.51x | 76% | Current |
| Marriott Chicago O'Hare | Chicago, IL | Hotel | $34.3M | 6.467% | Dec 2035 | n/a | n/a | Current |
| Mason Suites & Parkview Center | DeKalb, IL | Multifamily | $11.8M | 6.71% | Aug 2035 | n/a | n/a | Current |
| Gill Park Cooperative | Chicago, IL | Other | $10.3M | 6.07% | Sep 2035 | n/a | n/a | Current |
| Infinite Self Storage - Joliet | Joliet, IL | Self storage | $9.0M | 6.46% | Oct 2035 | n/a | n/a | Current |
| 87th Street Retail | Chicago, IL | Retail | $8.7M | 6.68% | Jul 2035 | 2.39x | 100% | Current |
| 75 Executive Drive | Aurora, IL | Office | $7.3M | 6.65% | Aug 2035 | n/a | n/a | Current |
| Infinite Self Storage - New Lenox | New Lenox, IL | Self storage | $5.5M | 6.46% | Oct 2035 | n/a | n/a | Current |
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.