"However, the 135 US regional banks (generally considered as those with about $10 billion to $160 billion in assets) hold just 13.8% of debt on income-producing properties," says Moody's. "The top 25 largest banks, which the Federal Reserve (Fed) considers "large", hold 12.1%. The 829 community banks (with $1 billion to $10 billion of assets) hold 9.6%, and the remaining 3.2% is spread among the 3,726 very small local banks with less than $1 billion in assets."

But, as some have asked, that's 38.6% of CRE lending, so who owns the other nearly two-thirds?

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