BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
STATEMENT TO NOTEHOLDERS

 

October 19, 2026

 

TRANSACTION PARTIES

 
Depositor: BMO Commercial Mortgage Securities LLC
Master Servicer: Trimont LLC  
Special Servicer: Rialto Capital Advisors, LLC
Asset Representations Reviewer /    
Pentalpha Surveillance LLC
Operating Advisor:    
Trustee / Certificate Administrator: Citibank, N.A.  
 
 
 
 
Danny Lee Citibank, Agency and Trust
(212) 816-4936 388 Greenwich Street Trading, 4th Floor
danny1.lee@citi.com New York, NY 10013

 

TABLE OF CONTENTS

 
1. Distribution Summary 2
1.1. Summary 2
1.2. Factors 3
2. Distribution Detail 4
2.1. Interest Detail 4
2.2. Interest Shortfall Detail 5
2.3. Principal Detail 6
3. Reconciliation Detail 7
4. Other Information 8
5. Stratification Detail 9
6. Mortgage Loan Detail 14
7. NOI Detail 16
8. Delinquency Loan Detail 18
9. Collateral Performance Delinquency and Loan Status Detail 19
10. Appraisal Reduction Detail 20
11. Historical Appraisal Reduction Detail 21
12. Loan Modification Detail 22
13. Historical Loan Modification Detail 23
14. Specially Serviced Loan Detail 24
15. Historical Specially Serviced Loan Detail 25
16. Unscheduled Principal Detail 26
17. Historical Unscheduled Principal Detail 27
18. Liquidated Loan Detail 28
19. Historical Liquidated Loan Detail 29
20. CREFC Investor Reporting Package Legends 30
21. Notes 31

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 1 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
DISTRIBUTION SUMMARY

 

October 19, 2026

 

                    Accretion  
                    &  
                    Non-Cash  
        Accrual   Other       Balance  
  Original Prior Pass-Through Day Interest (As Interest) Principal Total Realized Loss Increase/ Current
Class Balance Balance Rate Count Distributed Distributed Distributed Distributed /(Recovery) (Decrease) Balance
 
A-1 9,909,000.00 8,226,691.38 4.903330% 30/360 33,615.15 - 127,555.70 161,170.85 - - 8,099,135.68
A-4 90,000,000.00 90,000,000.00 5.573170% 30/360 417,987.75 - - 417,987.75 - - 90,000,000.00
A-5 326,456,000.00 326,456,000.00 5.870580% 30/360 1,597,071.72 - - 1,597,071.72 - - 326,456,000.00
A-SB 13,767,000.00 13,767,000.00 5.761980% 30/360 66,104.32 - - 66,104.32 - - 13,767,000.00
A-S 64,448,000.00 64,448,000.00 6.195100% 30/360 332,718.17 - - 332,718.17 - - 64,448,000.00
B 31,439,000.00 31,439,000.00 6.405058% 30/360 167,807.17 - - 167,807.17 - - 31,439,000.00
C 25,936,000.00 25,936,000.00 6.393058% 30/360 138,175.28 - - 138,175.28 - - 25,936,000.00
D 13,361,000.00 13,361,000.00 4.500000% 30/360 50,103.75 - - 50,103.75 - - 13,361,000.00
E 7,074,000.00 7,074,000.00 4.500000% 30/360 26,527.50 - - 26,527.50 - - 7,074,000.00
F-RR 14,147,000.00 14,147,000.00 4.500000% 30/360 53,051.25 - - 53,051.25 - - 14,147,000.00
G-RR 8,645,000.00 8,645,000.00 4.500000% 30/360 32,418.75 - - 32,418.75 - - 8,645,000.00
J-RR 23,579,318.00 23,579,318.00 4.500000% 30/360 84,896.90 - - 84,896.90 - - 23,579,318.00
Uncert VRR 12,112,516.00 12,080,107.86 0.000000% 30/360 65,581.52 - 2,457.24 68,038.76 - - 12,077,650.62
R - - 0.000000% 30/360 - - - - - - -
Total 640,873,834.00 639,159,117.24     3,066,059.23 - 130,012.94 3,196,072.17 - - 639,029,104.30
Notional                      
X-A 440,132,000.00 438,449,691.38 0.736085% 30/360 268,946.91 - - 268,946.91 - (127,555.70) 438,322,135.68
X-B 121,823,000.00 121,823,000.00 0.232629% 30/360 23,616.26 - - 23,616.26 - - 121,823,000.00
X-D 20,435,000.00 20,435,000.00 2.024058% 30/360 34,468.01 - - 34,468.01 - - 20,435,000.00
XFRR 14,147,000.00 14,147,000.00 2.024058% 30/360 23,861.95 - - 23,861.95 - - 14,147,000.00
XGRR 8,645,000.00 8,645,000.00 2.024058% 30/360 14,581.65 - - 14,581.65 - - 8,645,000.00
XJRR 23,579,318.00 23,579,318.00 2.024058% 30/360 38,387.69 - - 38,387.69 - - 23,579,318.00
Total 628,761,318.00 627,079,009.38     403,862.47 - - 403,862.47 - (127,555.70) 626,951,453.68
 
Grand Total 1,269,635,152 1,266,238,127     3,469,921.70 - 130,012.94 3,599,934.64 - (127,555.70) 1,265,980,558

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 2 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
DISTRIBUTION SUMMARY - FACTORS

 

October 19, 2026

 

                Accretion  
                &  
                Non-Cash  
        Other       Balance  
    Record Interest (As Interest) Principal Total Realized Loss Increase/ Current
Class CUSIP Date Distributed Distributed Distributed Distributed /(Recovery) (Decrease) Balance
 
A-1 05615DAA5 09/30/2026 3.39238571 - 12.87271168 16.26509739 - - 817.35146634
A-4 05615DAB3 09/30/2026 4.64430833 - - 4.64430833 - - 1,000.00000000
A-5 05615DAC1 09/30/2026 4.89215000 - - 4.89215000 - - 1,000.00000000
A-SB 05615DAD9 09/30/2026 4.80165032 - - 4.80165032 - - 1,000.00000000
X-A 05615DAE7 09/30/2026 0.61105966 - - 0.61105966 - - 995.88790563
A-S 05615DAG2 09/30/2026 5.16258332 - - 5.16258332 - - 1,000.00000000
B 05615DAH0 09/30/2026 5.33754795 - - 5.33754795 - - 1,000.00000000
C 05615DAJ6 09/30/2026 5.32754781 - - 5.32754781 - - 1,000.00000000
X-B 05615DAF4 09/30/2026 0.19385715 - - 0.19385715 - - 1,000.00000000
D 05615DAM9 U0903EAB0 09/30/2026 3.75000000 - - 3.75000000 - - 1,000.00000000
E 05615DAP2 U0903EAC8 09/30/2026 3.75000000 - - 3.75000000 - - 1,000.00000000
X-D 05615DAK3 U0903EAA2 09/30/2026 1.68671446 - - 1.68671446 - - 1,000.00000000
F-RR 05615DAR8 09/30/2026 3.75000000 - - 3.75000000 - - 1,000.00000000
XFRR 05615DAT4 09/30/2026 1.68671450 - - 1.68671450 - - 1,000.00000000
G-RR 05615DAV9 09/30/2026 3.75000000 - - 3.75000000 - - 1,000.00000000
XGRR 05615DAX5 09/30/2026 1.68671486 - - 1.68671486 - - 1,000.00000000
J-RR 05615DAZ0 09/30/2026 3.60048157 - - 3.60048157 - - 1,000.00000000
XJRR 05615DBB2 09/30/2026 1.62802376 - - 1.62802376 - - 1,000.00000000
Uncert VRR 25C12UVRR 09/30/2026 5.41435982 - 0.20286784 5.61722767 - - 997.12154106
R 05615DBD8 09/30/2026 - - - - - - -

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 3 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
DISTRIBUTION INFORMATION - INTEREST DETAIL

 

October 19, 2026

 

    Rate     Interest   Shortfall       Paid  
                        Cap  
        Accrual Net Accreted Non Carry Cap Carryover     Carryover  
Class Uncapped Capped Next Dates Accrued /Deferred Recovered Forward /Basis Risk Accrued Carry Forward /Basis Risk Total
 
A-1 4.90333% 4.90333% 4.90333% 09/01-09/30 33,615.15 - - - - 33,615.15 - - 33,615.15
A-4 5.57317% 5.57317% 5.57317% 09/01-09/30 417,987.75 - - - - 417,987.75 - - 417,987.75
A-5 5.87058% 5.87058% 5.87058% 09/01-09/30 1,597,071.72 - - - - 1,597,071.72 - - 1,597,071.72
A-SB 5.76198% 5.76198% 5.76198% 09/01-09/30 66,104.32 - - - - 66,104.32 - - 66,104.32
A-S 6.19510% 6.19510% 6.19510% 09/01-09/30 332,718.17 - - - - 332,718.17 - - 332,718.17
B 6.40506% 6.40506% 6.40506% 09/01-09/30 167,807.17 - - - - 167,807.17 - - 167,807.17
C 6.39306% 6.39306% 6.39306% 09/01-09/30 138,175.28 - - - - 138,175.28 - - 138,175.28
D 4.50000% 4.50000% 4.50000% 09/01-09/30 50,103.75 - - - - 50,103.75 - - 50,103.75
E 4.50000% 4.50000% 4.50000% 09/01-09/30 26,527.50 - - - - 26,527.50 - - 26,527.50
F-RR 4.50000% 4.50000% 4.50000% 09/01-09/30 53,051.25 - - - - 53,051.25 - - 53,051.25
G-RR 4.50000% 4.50000% 4.50000% 09/01-09/30 32,418.75 - - - - 32,418.75 - - 32,418.75
J-RR 4.50000% 4.50000% 4.50000% 09/01-09/30 88,422.44 - - 3,542.33 - 84,896.90 - - 84,896.90
Uncert VRR 0.00000% 0.00000% 0.00000% 09/01-09/30 65,581.52 - - - - 65,581.52 - - 65,581.52
R 0.00000% 0.00000% 0.00000% 09/01-09/30 - - - - - - - - -
Total         3,069,584.77 - - 3,542.33 - 3,066,059.23 - - 3,066,059.23
Notional                          
X-A 0.73609% 0.73609% 0.73609% 09/01-09/30 268,946.91 - - - - 268,946.91 - - 268,946.91
X-B 0.23263% 0.23263% 0.23263% 09/01-09/30 23,616.26 - - - - 23,616.26 - - 23,616.26
X-D 2.02406% 2.02406% 2.02406% 09/01-09/30 34,468.01 - - - - 34,468.01 - - 34,468.01
XFRR 2.02406% 2.02406% 2.02406% 09/01-09/30 23,861.95 - - - - 23,861.95 - - 23,861.95
XGRR 2.02406% 2.02406% 2.02406% 09/01-09/30 14,581.65 - - - - 14,581.65 - - 14,581.65
XJRR 2.02406% 2.02406% 2.02406% 09/01-09/30 39,771.58 - - 1,396.01 - 38,387.69 - - 38,387.69
Total         405,246.36 - - 1,396.01 - 403,862.47 - - 403,862.47
 
Grand Total         3,474,831.13 - - 4,938.34 - 3,469,921.70 - - 3,469,921.70

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 4 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
DISTRIBUTION INFORMATION - INTEREST SHORTFALL DETAIL

 

October 19, 2026

 

                      Cap Carryover /    
  Non-Recov Shortfall     Carry Forward Interest       Basis Risk Shortfall    
      Other                    
Class PPIS SSRA Shortfall Prior Int. on Prior New Paid Outstanding Prior Int. on Prior New Paid Outstanding
 
A-1 - - - - - - - - - - - - -
A-4 - - - - - - - - - - - - -
A-5 - - - - - - - - - - - - -
A-SB - - - - - - - - - - - - -
A-S - - - - - - - - - - - - -
B - - - - - - - - - - - - -
C - - - - - - - - - - - - -
D - - - - - - - - - - - - -
E - - - - - - - - - - - - -
F-RR - - - - - - - - - - - - -
G-RR - - - - - - - - - - - - -
J-RR - - - 4,476.37 16.79 3,525.54 - 8,018.70 - - - - -
Uncert VRR - - - - - - - - - - - - -
R - - - - - - - - - - - - -
Total - - - 4,476.37 16.79 3,525.54 - 8,018.70 - - - - -
Notional                          
X-A - - - - - - - - - - - - -
X-B - - - - - - - - - - - - -
X-D - - - - - - - - - - - - -
XFRR - - - - - - - - - - - - -
XGRR - - - - - - - - - - - - -
XJRR - - - 2,229.79 12.12 1,383.89 - 3,625.80 - - - - -
Total - - - 2,229.79 12.12 1,383.89 - 3,625.80 - - - - -
 
Grand Total - - - 6,706.16 28.91 4,909.43 - 11,644.50 - - - - -

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 5 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
DISTRIBUTION INFORMATION - PRINCIPAL DETAIL

 

October 19, 2026

 

          Accretion            
          &            
          Non-Cash            
          Balance   Cumulative        
  Prior Principal Accreted Realized Loss Increase/ Current Realized Class % Class % Sub % Sub %
Class Balance Distributed Principal /(Recovery) (Decrease) Balance Loss Original Current Original Current
 
A-1 8,226,691.38 127,555.70 - - - 8,099,135.68 - 0.00% 1.27% 0.00% 30.09%
A-4 90,000,000.00 - - - - 90,000,000.00 - 0.00% 14.08% 0.00% 30.09%
A-5 326,456,000.00 - - - - 326,456,000.00 - 0.00% 51.09% 0.00% 30.09%
A-SB 13,767,000.00 - - - - 13,767,000.00 - 0.00% 2.15% 0.00% 30.09%
A-S 64,448,000.00 - - - - 64,448,000.00 - 0.00% 10.09% 0.00% 19.81%
B 31,439,000.00 - - - - 31,439,000.00 - 0.00% 4.92% 0.00% 14.79%
C 25,936,000.00 - - - - 25,936,000.00 - 0.00% 4.06% 0.00% 10.66%
D 13,361,000.00 - - - - 13,361,000.00 - 0.00% 2.09% 0.00% 8.52%
E 7,074,000.00 - - - - 7,074,000.00 - 0.00% 1.11% 0.00% 7.40%
F-RR 14,147,000.00 - - - - 14,147,000.00 - 0.00% 2.21% 0.00% 5.14%
G-RR 8,645,000.00 - - - - 8,645,000.00 - 0.00% 1.35% 0.00% 3.76%
J-RR 23,579,318.00 - - - - 23,579,318.00 - 0.00% 3.69% 0.00% 0.00%
Uncert VRR 12,080,107.86 2,457.24 - - - 12,077,650.62 - 0.00% 1.89% 0.00% 0.00%
R - - - - - - - 0.00% 0.00% 0.00% 0.00%
 
Total 639,159,117.24 130,012.94 - - - 639,029,104.30 - 0.00% 100.00%    

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 6 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
RECONCILIATION DETAIL

 

October 19, 2026

 

SOURCE OF FUNDS     ALLOCATION OF FUNDS  
 
Interest Funds Available     Scheduled Fees    
Scheduled Interest 3,484,548.43   Servicing Fee 2,176.54  
Prepayment Interest Shortfall -   Trustee/Certificate Administrator Fee 6,008.14  
Interest Adjustments -   Operating Advisor Fee 969.39  
ASER Amount -   Asset Representations Reviewer Ongoing Fee 202.39  
Realized Loss in Excess of Principal Balance -   CREFC Intellectual Property Royalty License Fee 266.32  
Total Interest Funds Available   3,484,548.43 Total Scheduled Fees   9,622.78
Principal Funds Available     Additional Fees, Expenses, etc.    
Scheduled Principal 130,012.94   Additional Servicing Fee -  
Unscheduled Principal Collections -   Special Servicing Fee 5,000.00  
Net Liquidation Proceeds -   Work-out Fee -  
Repurchased Principal -   Liquidation Fee -  
Substitution Principal -   Trust Fund Expenses -  
Other Principal -   Trust Advisor Expenses -  
      Reimbursement of Interest on Advances to the Servicer 3.94  
Total Principal Funds Available   130,012.94      
      Borrower Reimbursable Trust Fund Expenses -  
Other Funds Available          
      Other Expenses -  
Yield Maintenance Charges -        
Withdrawal of Withheld Amounts from the Interest Reserve     Total Additional Fees, Expenses, etc.   5,003.94
Account -        
      Distributions    
Deposit of Withheld Amounts to the Interest Reserve Account -        
      Interest Distribution 3,469,921.71  
Total Other Funds Available   - Principal Distribution 130,012.94  
      Yield Maintenance Charge Distribution -  
      Total Distributions   3,599,934.65
 
 
 
 
Total Funds Available   3,614,561.37      
      Total Funds Allocated   3,614,561.37

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 7 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
OTHER INFORMATION
Interest Reserve Account Information

 

October 19, 2026

 

  Beginning Interest Reserve Account Balance 0.00
  Deposit of Withheld Amounts to the Interest Reserve Account 0.00
  Withdrawal of Withheld Amounts from the Interest Reserve Account 0.00
  Ending Interest Reserve Account Balance 0.00
Collateral Information  
  % of Cut-Off Principal Balance Outstanding 99.712154%
Controlling Class Information  
  Controlling Class is Class J-RR.  
  The Controlling Class Representative is RREF V - D AIV RR L, LLC.  
There Are No Disclosable Special Servicer Fees.  

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 8 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
STRATIFICATION DETAIL

 

October 19, 2026

 

Anticipated Remaining Term          
 
Anticipated Remaining Asset Ending Scheduled % of     Wtd Avg
Term Range Count Balance Agg.Bal. WAC WAM DSCR
 
60 Months or Less 0 0.00 0.00 0.0000 0 0.000000
61 to 90 Months 0 0.00 0.00 0.0000 0 0.000000
91 Months or Greater 44 639,029,104.55 100.00 6.5421 101 1.472293
Total 44 639,029,104.55 100.00 6.5421 101 1.472293
 
Debt Service Coverage Ratio          
 
Debt Service Coverage Asset Ending Scheduled % of     Wtd Avg
Ratio Range Count Balance Agg.Bal. WAC WAM DSCR
 
1.250 or Less 16 194,176,957.35 30.39 6.2299 102 0.494682
1.251 to 1.500 8 71,928,441.24 11.26 7.0104 102 1.334078
1.501 to 1.750 6 115,979,167.00 18.15 6.7713 101 1.586657
1.751 to 2.000 4 99,006,953.82 15.49 6.6304 101 1.898210
2.001 to 2.250 6 76,237,585.14 11.93 6.2146 102 2.102354
2.251 to 2.500 1 20,000,000.00 3.13 7.8014 96 2.491100
2.501 to 2.750 2 56,200,000.00 8.79 6.4110 103 2.680587
2.751 to 3.000 1 5,500,000.00 0.86 6.3200 102 2.930800
3.001 to 3.250 0 0.00 0.00 0.0000 0 0.000000
3.251 to 3.500 0 0.00 0.00 0.0000 0 0.000000
3.501 to 3.750 0 0.00 0.00 0.0000 0 0.000000
3.751 to 4.000 0 0.00 0.00 0.0000 0 0.000000
4.001 or Greater 0 0.00 0.00 0.0000 0 0.000000
Total 44 639,029,104.55 100.00 6.5421 101 1.472293

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 9 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
STRATIFICATION DETAIL

 

October 19, 2026

 

Ending Schedule Balance            
 
Ending Schedule Balance Asset Ending Scheduled % of     Wtd Avg
Range Count Balance Agg.Bal. WAC WAM DSCR
 
1 to 5,000,000 4 10,305,000.00 1.61 7.0260 101 1.081628
10,000,001 to 15,000,000 6 74,284,741.98 11.62 6.7877 102 1.663474
15,000,001 to 20,000,000 7 127,223,761.79 19.91 6.3784 100 1.471234
20,000,001 to 25,000,000 3 69,054,167.00 10.81 6.5076 102 1.015351
25,000,001 to 30,000,000 3 84,995,833.00 13.30 6.5782 101 1.267503
30,000,001 to 35,000,000 0 0.00 0.00 0.0000 0 0.000000
35,000,001 to 40,000,000 2 78,000,000.00 12.21 6.0422 103 1.831338
40,000,001 to 45,000,000 0 0.00 0.00 0.0000 0 0.000000
45,000,001 to 50,000,000 0 0.00 0.00 0.0000 0 0.000000
5,000,001 to 10,000,000 18 132,142,644.20 20.68 6.6908 102 1.334484
50,000,001 to 55,000,000 0 0.00 0.00 0.0000 0 0.000000
55,000,001 to 60,000,000 0 0.00 0.00 0.0000 0 0.000000
60,000,001 to 65,000,000 1 63,022,956.58 9.86 6.8000 101 1.934400
65,000,001 to 70,000,000 0 0.00 0.00 0.0000 0 0.000000
70,000,001 to 75,000,000 0 0.00 0.00 0.0000 0 0.000000
75,000,001 to 80,000,000 0 0.00 0.00 0.0000 0 0.000000
80,000,001 to 85,000,000 0 0.00 0.00 0.0000 0 0.000000
85,000,000+ 0 0.00 0.00 0.0000 0 0.000000
Total 44 639,029,104.55 100.00 6.5421 101 1.472293

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 10 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
STRATIFICATION DETAIL

 

October 19, 2026

 

Loan Rate            
 
  Asset Ending Scheduled % of     Wtd Avg
Loan Rate Range Count Balance Agg.Bal. WAC WAM DSCR
 
4.00 or Less 0 0.00 0.00 0.0000 0 0.000000
4.01 to 4.25 0 0.00 0.00 0.0000 0 0.000000
4.26 to 4.50 0 0.00 0.00 0.0000 0 0.000000
4.51 to 4.75 0 0.00 0.00 0.0000 0 0.000000
4.76 to 5.00 0 0.00 0.00 0.0000 0 0.000000
5.01 to 5.25 0 0.00 0.00 0.0000 0 0.000000
5.26 to 5.50 0 0.00 0.00 0.0000 0 0.000000
5.51 to 5.75 6 128,000,000.00 20.03 5.6135 102 0.797082
5.76 to 6.00 0 0.00 0.00 0.0000 0 0.000000
6.01 to 6.25 4 56,148,846.93 8.79 6.1410 101 1.700142
6.26 to 6.50 10 134,590,000.00 21.06 6.4289 102 1.947692
6.51 to 6.75 5 40,697,735.45 6.37 6.6748 103 1.536884
6.76 to 7.00 9 155,367,865.33 24.31 6.8238 101 1.650866
7.01 or Greater 10 124,224,656.84 19.44 7.4071 101 1.305468
Total 44 639,029,104.55 100.00 6.5421 101 1.472293
 
Property Type            
 
  Asset Ending Scheduled % of     Wtd Avg
Property Type Range Count Balance Agg.Bal. WAC WAM DSCR
 
Industrial 1 14,000,000.00 2.19 6.4000 101 1.915600
Lodging 0 0.00 0.00 0.0000 0 0.000000
Mixed Use 3 82,197,956.58 12.86 6.7720 101 1.797022
Multifamily 8 78,468,327.38 12.28 6.6689 101 1.753035
Office 4 62,356,667.00 9.76 7.2706 100 1.987928
Other 10 148,270,833.00 23.20 6.0989 102 0.314175
Retail 11 187,515,320.59 29.34 6.4935 102 1.964638
Self Storage 7 66,220,000.00 10.36 6.5806 100 1.356190
Total 44 639,029,104.55 100.00 6.5421 101 1.472293

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 11 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
STRATIFICATION DETAIL

 

October 19, 2026

 

Remaining Amortization Term          
 
Remaining Amortization Asset Ending Scheduled % of     Wtd Avg
Term Range Count Balance Agg.Bal. WAC WAM DSCR
 
240 Months or Less 29 388,425,000.00 60.78 6.3026 102 1.409464
241 to 270 Months 0 0.00 0.00 0.0000 0 0.000000
271 to 300 Months 2 26,478,846.93 4.14 6.1388 101 1.937380
301 Months or Greater 13 224,125,257.62 35.07 7.0048 101 1.526232
Total 44 639,029,104.55 100.00 6.5421 101 1.472293
 
Seasoning            
 
  Asset Ending Scheduled % of     Wtd Avg
Seasoning Range Count Balance Agg.Bal. WAC WAM DSCR
 
12 Months or Less 0 0.00 0.00 0.0000 0 0.000000
13 to 24 Months 44 639,029,104.55 100.00 6.5421 101 1.472293
25 to 36 Months 0 0.00 0.00 0.0000 0 0.000000
37 to 48 Months 0 0.00 0.00 0.0000 0 0.000000
49 Months or Greater 0 0.00 0.00 0.0000 0 0.000000
Total 44 639,029,104.55 100.00 6.5421 101 1.472293

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 12 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
STRATIFICATION DETAIL

 

October 19, 2026

 

State            
 
  Asset Ending Scheduled % of     Wtd Avg
State Range Count Balance Agg.Bal. WAC WAM DSCR
 
Arizona 2 16,700,000.00 2.61 6.6589 103 1.219103
California 6 69,735,000.00 10.91 6.3686 101 1.585117
Connecticut 1 6,175,000.00 0.97 6.6900 104 1.497500
Florida 3 31,809,167.00 4.98 7.1826 102 1.657217
Georgia 1 18,200,000.00 2.85 6.3190 101 2.653000
Illinois 2 34,573,761.79 5.41 6.5057 102 1.631622
Louisiana 1 3,925,000.00 0.61 7.1300 103 1.554900
Massachusetts 1 38,000,000.00 5.95 6.4550 104 2.693800
Michigan 1 10,905,085.14 1.71 6.1800 101 2.186700
N/A 8 104,345,833.00 16.33 6.2321 102 0.000000
New Hampshire 1 28,000,000.00 4.38 6.8000 100 1.649500
New Mexico 1 8,200,000.00 1.28 7.0900 100 1.340000
New York 5 91,930,000.00 14.39 6.2364 102 1.391214
Ohio 1 6,410,235.45 1.00 6.7300 103 1.833400
Oregon 1 29,100,000.00 4.55 5.5770 102 2.115000
Pennsylvania 3 35,212,500.00 5.51 7.3279 98 2.128886
Texas 2 66,247,956.58 10.37 6.8141 100 1.905464
Various 1 14,600,000.00 2.28 7.6000 104 1.389700
Wisconsin 3 24,959,565.59 3.91 7.0874 102 1.246659
Total 44 639,029,104.55 100.00 6.5421 101 1.472293

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 13 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
MORTGAGE LOAN DETAIL

 

October 19, 2026

 

    Prop     Paid       Beginning Ending   Payment Workout Mod
    Type     Through Gross Interest Principal Scheduled Scheduled Maturity Status Strategy Code
Loan ID OMCR (1) City State Date Coupon Payment Payment Balance Balance Date (2) (3) (4)
 
656121053 1 RT Portland OR 10/06/2026 5.57700% 135,242.25 - 29,100,000.00 29,100,000.00 04/06/2035 0 0 0
399570190 10 RT Naperville IL 10/06/2026 6.83000% 108,141.67 - 19,000,000.00 19,000,000.00 05/06/2035 0 0 0
329930011 11 MF Milledgeville GA 10/06/2026 6.31900% 95,838.17 - 18,200,000.00 18,200,000.00 03/06/2035 0 0 0
399570181 12 MF Belleville IL 10/06/2026 6.11000% 79,422.39 24,744.36 15,598,506.15 15,573,761.79 03/06/2035 0 0 0
695101729 13 RT Various XX 10/06/2026 7.60000% 92,466.67 - 14,600,000.00 14,600,000.00 06/06/2035 0 0 0
329930014 14 IN Oceanside CA 10/06/2026 6.40000% 74,666.67 - 14,000,000.00 14,000,000.00 03/06/2035 0 0 0
329930015 15 MU New York NY 10/09/2026 6.67500% 72,312.50 - 13,000,000.00 13,000,000.00 05/09/2035 0 0 0
329930016 16 OF Rancho Santa Fe CA 10/06/2026 6.47500% 60,379.37 - 11,190,000.00 11,190,000.00 04/06/2035 0 0 0
329930017 17 RT Canton Township MI 10/06/2026 6.18000% 56,249.51 17,149.59 10,922,234.73 10,905,085.14 03/06/2035 0 0 0
329930018 18 MF Milwaukee WI 10/01/2026 7.27500% 64,254.70 9,056.46 10,598,713.30 10,589,656.84 05/01/2035 0 0 0
329930019 19 SS Roseville CA 10/06/2026 6.08700% 49,051.07 - 9,670,000.00 9,670,000.00 03/06/2035 0 0 0
301271947 1A N/A     10/06/2026 5.57700% 79,007.50 - 17,000,000.00 17,000,000.00 04/06/2035 0 0 0
329930001 1B N/A     10/06/2026 5.57700% 2,091.38 - 450,000.00 450,000.00 04/06/2035 0 0 0
329930111 1C N/A     10/06/2026 5.57700% 81,098.88 - 17,450,000.00 17,450,000.00 04/06/2035 0 0 0
301271952 2 N/A New York NY 10/06/2026 5.65000% 188,333.33 - 40,000,000.00 40,000,000.00 05/06/2035 0 0 0
329930020 20 MF New Paltz NY 09/06/2026 7.06600% 55,821.40 - 9,480,000.00 9,480,000.00 05/06/2035 B 0 0
329930021 21 SS Phoenix AZ 10/01/2026 6.37000% 46,182.50 - 8,700,000.00 8,700,000.00 06/01/2035 0 0 0
329930022 22 SS Santa Fe NM 10/01/2026 7.09000% 48,448.33 - 8,200,000.00 8,200,000.00 02/01/2035 0 0 0
329930023 23 RT Corona NY 10/06/2026 6.80600% 45,373.33 - 8,000,000.00 8,000,000.00 05/06/2035 0 0 0
329930024 24 RT Tucson AZ 10/06/2026 6.97300% 46,486.67 - 8,000,000.00 8,000,000.00 05/06/2035 0 0 0
329930025 25 SS Glen Mills PA 10/01/2026 6.77000% 43,158.75 - 7,650,000.00 7,650,000.00 03/01/2035 0 0 0
329930026 26 OF Berwyn PA 10/06/2026 6.64000% 41,845.83 - 7,562,500.00 7,562,500.00 05/06/2035 0 0 0
329930027 27 MF Van Nuys CA 10/06/2026 6.65000% 41,839.58 - 7,550,000.00 7,550,000.00 03/06/2035 0 0 0
329930028 28 MF Milwaukee WI 10/01/2026 6.95500% 43,153.65 6,848.72 7,445,633.12 7,438,784.40 03/01/2035 0 0 0
329930029 29 SS Folsom CA 10/01/2026 6.77000% 41,325.21 - 7,325,000.00 7,325,000.00 03/01/2035 0 0 0
301271954 2A N/A     10/06/2026 5.65000% 113,000.00 - 24,000,000.00 24,000,000.00 05/06/2035 0 0 0
28002555 3 MU Fort Worth TX 10/06/2026 6.80000% 357,468.75 59,763.37 63,082,719.95 63,022,956.58 03/06/2035 0 0 0
329930030 30 MF Milwaukee WI 10/01/2026 6.94300% 40,139.14 6,362.82 6,937,487.17 6,931,124.35 04/01/2035 0 0 0
329930031 31 RT Chardon OH 10/06/2026 6.73000% 35,984.88 6,087.62 6,416,323.07 6,410,235.45 05/06/2035 0 0 0
329930032 32 MU Norwalk CT 10/06/2026 6.69000% 34,425.62 - 6,175,000.00 6,175,000.00 06/06/2035 0 0 0
329930033 33 RT Miramar FL 10/06/2026 6.32000% 28,966.67 - 5,500,000.00 5,500,000.00 04/06/2035 0 0 0
695101725 34 N/A Lafayette LA 10/06/2026 7.13000% 23,321.04 - 3,925,000.00 3,925,000.00 05/06/2035 0 0 0

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 14 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
MORTGAGE LOAN DETAIL

 

October 19, 2026

 

    Prop     Paid       Beginning Ending   Payment Workout Mod
    Type     Through Gross Interest Principal Scheduled Scheduled Maturity Status Strategy Code
Loan ID OMCR (1) City State Date Coupon Payment Payment Balance Balance Date (2) (3) (4)
 
329930035 35 SS Arlington TX 10/01/2026 7.09000% 19,054.38 - 3,225,000.00 3,225,000.00 02/01/2035 0 0 0
329930036 36 MF Ocala FL 09/01/2026 7.04000% 15,869.33 - 2,705,000.00 2,705,000.00 02/01/2035 B 13 0
301271944 4 OF Miami FL 10/06/2026 7.40000% 145,559.03 - 23,604,167.00 23,604,167.00 05/06/2035 0 0 0
301271946 4A N/A     10/06/2026 7.40000% 172,024.30 - 27,895,833.00 27,895,833.00 05/06/2035 0 0 0
329930005 5 RT Hyannis MA 10/01/2026 6.45500% 204,408.33 - 38,000,000.00 38,000,000.00 06/01/2035 0 0 0
329930105 5A N/A     10/01/2026 6.45500% 32,275.00 - 6,000,000.00 6,000,000.00 06/01/2035 0 0 0
329330120 6 SS Long Island City NY 10/06/2026 6.48500% 115,919.38 - 21,450,000.00 21,450,000.00 02/06/2035 0 0 0
329330320 6A N/A     10/06/2026 6.48500% 31,209.06 - 5,775,000.00 5,775,000.00 02/06/2035 0 0 0
329330420 6B N/A     10/06/2026 6.48500% 31,209.06 - 5,775,000.00 5,775,000.00 02/06/2035 0 0 0
329930007 7 RT Bedford NH 10/06/2026 6.80000% 158,666.67 - 28,000,000.00 28,000,000.00 02/06/2035 0 0 0
399570180 8 RT Corona CA 10/06/2026 6.17000% 102,833.33 - 20,000,000.00 20,000,000.00 03/06/2035 0 0 0
329930009 9 OF Plymouth Meeting PA 10/06/2026 7.80139% 130,023.15 - 20,000,000.00 20,000,000.00 10/06/2034 0 0 0
Total Count = 44           3,484,548.43 130,012.94 639,159,117.49 639,029,104.55        

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 15 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
NOI DETAIL

 

October 19, 2026

 

    Property     Ending Preceding Most Most Recent Most Recent
    Type     Scheduled Fiscal Recent Financial As of Financial Asof
Loan ID OMCR (1) City State Balance Year NOI NOI Start Date End Date
 
656121053 1 RT Portland OR 29,100,000.00 43,640,913.63 20,872,296.81 01/01/2026 06/30/2026
399570190 10 RT Naperville IL 19,000,000.00 2,127,929.23 1,057,699.99 01/01/2026 06/30/2026
329930011 11 MF Milledgeville GA 18,200,000.00 2,522,902.48 1,568,032.14 01/01/2026 06/30/2026
399570181 12 MF Belleville IL 15,573,761.79 1,963,347.83 1,134,884.35 01/01/2026 06/30/2026
695101729 13 RT Various XX 14,600,000.00 1,901,107.00 840,936.85 01/01/2026 06/30/2026
329930014 14 IN Oceanside CA 14,000,000.00 1,441,631.46 900,418.92 01/01/2026 06/30/2026
329930015 15 MU New York NY 13,000,000.00 1,246,023.15 560,729.64 01/01/2026 06/30/2026
329930016 16 OF Rancho Santa Fe CA 11,190,000.00 1,411,949.38 375,294.60 01/01/2026 03/31/2026
329930017 17 RT Canton Township MI 10,905,085.14 1,426,939.38 1,050,192.52 01/01/2026 06/30/2026
329930018 18 MF Milwaukee WI 10,589,656.84 1,168,633.73 571,473.04 01/01/2026 06/30/2026
329930019 19 SS Roseville CA 9,670,000.00 708,936.95 358,538.45 01/01/2026 06/30/2026
301271947 1A N/A     17,000,000.00 - - Not Available Not Available
329930001 1B N/A     450,000.00 - - Not Available Not Available
329930111 1C N/A     17,450,000.00 - - Not Available Not Available
301271952 2 N/A New York NY 40,000,000.00 9,268,536.00 4,827,669.00 01/01/2026 06/30/2026
329930020 20 MF New Paltz NY 9,480,000.00 1,040,411.39 768,107.59 01/01/2026 06/30/2026
329930021 21 SS Phoenix AZ 8,700,000.00 842,147.00 570,515.00 Not Available Not Available
329930022 22 SS Santa Fe NM 8,200,000.00 762,018.00 0.10 Not Available Not Available
329930023 23 RT Corona NY 8,000,000.00 1,246,467.00 552,768.33 01/01/2026 06/30/2026
329930024 24 RT Tucson AZ 8,000,000.00 0.11 333,467.32 01/01/2026 06/30/2026
329930025 25 SS Glen Mills PA 7,650,000.00 625,705.00 496,768.00 Not Available Not Available
329930026 26 OF Berwyn PA 7,562,500.00 1,086,357.49 550,886.33 01/01/2026 06/30/2026
329930027 27 MF Van Nuys CA 7,550,000.00 657,275.44 0.09 Not Available Not Available
329930028 28 MF Milwaukee WI 7,438,784.40 805,133.64 391,265.59 01/01/2026 06/30/2026
329930029 29 SS Folsom CA 7,325,000.00 640,982.00 396,109.00 Not Available Not Available
301271954 2A N/A     24,000,000.00 - - Not Available Not Available
28002555 3 MU Fort Worth TX 63,022,956.58 10,320,802.79 5,398,972.43 01/01/2026 06/30/2026
329930030 30 MF Milwaukee WI 6,931,124.35 717,305.59 341,535.44 01/01/2026 06/30/2026
329930031 31 RT Chardon OH 6,410,235.45 1,015,522.00 514,427.50 01/01/2026 06/30/2026
329930032 32 MU Norwalk CT 6,175,000.00 496,322.87 326,901.95 01/01/2026 06/30/2026
329930033 33 RT Miramar FL 5,500,000.00 920,908.00 536,352.22 01/01/2026 06/30/2026
695101725 34 N/A Lafayette LA 3,925,000.00 383,204.00 222,598.00 01/01/2026 06/30/2026
Reports Available at sf.citidirect.com v. 21.09.28   Page 16 of 31     © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
NOI DETAIL

 

October 19, 2026

 

    Property     Ending Preceding Most Most Recent Most Recent
    Type     Scheduled Fiscal Recent Financial As of Financial Asof
Loan ID OMCR (1) City State Balance Year NOI NOI Start Date End Date
 
329930035 35 SS Arlington TX 3,225,000.00 296,689.00 0.10 Not Available Not Available
329930036 36 MF Ocala FL 2,705,000.00 0.10 57,035.00 01/01/2025 09/30/2025
301271944 4 OF Miami FL 23,604,167.00 5,776,944.00 3,130,182.43 01/01/2026 06/30/2026
301271946 4A N/A     27,895,833.00 - - Not Available Not Available
329930005 5 RT Hyannis MA 38,000,000.00 10,802,501.89 5,050,842.20 01/01/2026 06/30/2026
329930105 5A N/A     6,000,000.00 - - Not Available Not Available
329330120 6 SS Long Island City NY 21,450,000.00 14,322,604.01 3,711,403.50 01/01/2026 03/31/2026
329330320 6A N/A     5,775,000.00 - - Not Available Not Available
329330420 6B N/A     5,775,000.00 - - Not Available Not Available
329930007 7 RT Bedford NH 28,000,000.00 2,904,739.85 1,712,261.55 01/01/2026 06/30/2026
399570180 8 RT Corona CA 20,000,000.00 2,279,526.40 1,067,080.76 01/01/2026 06/30/2026
329930009 9 OF Plymouth Meeting PA 20,000,000.00 7,251,146.08 3,865,391.96 01/01/2026 06/30/2026
Total Count = 44       639,029,104.55 134,023,563.87 64,113,038.70    

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 17 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
DELINQUENCY LOAN DETAIL

 

October 19, 2026

 

    Actual Paid Current P&I Total P&I Cumulative Other Expense Payment Workout Most Recent      
    Principal Through Advances Advances Accrued Unpaid Advances Status Strategy Special Serv Foreclosure Bankruptcy REO
Loan ID OMCR Balance Date (Net of ASER) Outstanding Interest Advances Outstanding (2) (3) Transfer Date Date Date Date
 
329930020 20 9,480,000.00 09/06/2026 55,821.40 55,801.65 334.60 - B 0        
329930036 36 2,705,000.00 09/01/2026 15,869.33 15,843.97 286.83 2,042.40 B 13 08/06/2026      
Total Count = 2 12,185,000.00   71,690.73 71,645.62 621.43 2,042.40            

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 18 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
COLLATERAL PERFORMANCE - DELINQUENCY AND LOAN STATUS DETAIL

 

October 19, 2026

 

        Delinquent                    
      (Does not include loans in Bankruptcy, Foreclosure, or REO)                  
 
    30 Day   60 Day   90 Day 120+ Day Bankruptcy Foreclosure   REO  
 
Distribution                              
 
Date Count Balance Count Balance Count Balance Count Balance Count Balance Count Balance Count   Balance
 
 
  0 0 0 0 0 0 0 0 0 0 0 0 0   0
10/19/2026                              
  0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
 
  2 12,185,000 0 0 0 0 0 0 0 0 0 0 0   0
09/17/2026                              
  4.5% 1.9% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
 
  1 2,705,000 0 0 0 0 0 0 0 0 0 0 0   0
08/17/2026                              
  2.3% 0.4% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
 
  0 0 0 0 0 0 0 0 0 0 0 0 0   0
07/17/2026                              
  0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
 
  0 0 0 0 0 0 0 0 0 0 0 0 0   0
06/17/2026                              
  0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
 
  0 0 0 0 0 0 0 0 0 0 0 0 0   0
05/15/2026                              
  0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
 
  0 0 0 0 0 0 0 0 0 0 0 0 0   0
04/17/2026                              
  0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
 
  0 0 0 0 0 0 0 0 0 0 0 0 0   0
03/17/2026                              
  0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
 
  0 0 0 0 0 0 0 0 0 0 0 0 0   0
02/18/2026                              
  0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
 
  0 0 0 0 0 0 0 0 0 0 0 0 0   0
01/16/2026                              
  0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
 
  0 0 0 0 0 0 0 0 0 0 0 0 0   0
12/17/2025                              
  0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%
 
  0 0 0 0 0 0 0 0 0 0 0 0 0   0
11/18/2025                              
  0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%   0.0%

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 19 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
APPRAISAL REDUCTION DETAIL

 

October 19, 2026

 

      Beginning Ending Appraisal Appraisal Most Recent Cumulative
Loan ID OMCR Property Name Scheduled Balance Scheduled Balance Reduction Amount Reduction Date ASER Amount ASER Amount
 
No Loans with Appraisal Reduction Activity.              

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 20 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
HISTORICAL APPRAISAL REDUCTION DETAIL

 

October 19, 2026

 

Distribution       Beginning Ending Appraisal Appraisal Most Recent Cumulative
Date Loan ID OMCR Property Name Scheduled Balance Scheduled Balance Reduction Amount Reduction Date ASER Amount ASER Amount
 
No Loans with Appraisal Reduction Activity.              

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 21 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
LOAN MODIFICATION DETAIL

 

October 19, 2026

 

      Modification Modification
Loan ID OMCR Property Name Date Code (4)
 
No Loans with Modification Activity to Report.        

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 22 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
HISTORICAL LOAN MODIFICATION DETAIL

 

October 19, 2026

 

Distribution       Modification Modification
Date Loan ID OMCR Property Name Date Code (4)
 
No Loans with Modification Activity to Report.        

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 23 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
SPECIALLY SERVICED LOAN DETAIL

 

October 19, 2026

 

      Special Servicing Ending Ending Most Most Recent Most Recent Most Recent
    Workout Fee Amount Scheduled Actual Recent Valuation Special Servicer Master Servicer
Loan ID OMCR Strategy (3) Plus Adjustments Balance Balance Value Date Transfer Date Return Date
 
329930036 36 13 5,000.00 2,705,000.00 2,705,000.00 4,100,000.00 12/02/2024 08/06/2026  

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 24 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
HISTORICAL SPECIALLY SERVICED LOANS

 

October 19, 2026

 

        Special Servicing Ending Ending Most Most Recent Most Recent Most Recent
Distribution     Workout Fee Amount Scheduled Actual Recent Valuation Special Servicer Master Servicer
Date Loan ID OMCR Strategy (3) Plus Adjustments Balance Balance Value Date Transfer Date Return Date
 
10/19/2026 329930036 36 13 5,000.00 2,705,000.00 2,705,000.00 4,100,000.00 12/02/2024 08/06/2026  
09/17/2026 329930036 36 13 5,000.00 2,705,000.00 2,705,000.00 4,100,000.00 12/02/2024 08/06/2026  

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 25 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
UNSCHEDULED PRINCIPAL DETAIL

 

October 19, 2026

 

    Liquidation / Liquid / Prepay Principal Principal Prepayment Interest Prepayment Yield Maintenance
Loan ID OMCR Prepayment Date Code (5) Collections Adjustments Excess / (Shortfall) Penalties (PPP) Penalties (YM)
 
No Loans with Unscheduled Principal Activity to Report.              

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 26 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
HISTORICAL UNSCHEDULED PRINCIPAL DETAIL

 

October 19, 2026

 

Distribution     Liquidation / Liquid / Prepay Principal Principal Prepayment Interest Prepayment Yield Maintenance
Date Loan ID OMCR Prepayment Date Code (5) Collections Adjustments Excess / (Shortfall) Penalties (PPP) Penalties (YM)
 
No Loans with Unscheduled Principal Activity to Report.              

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 27 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
LIQUIDATED LOAN DETAIL

 

October 19, 2026

 

    Beginning Most Liquidation Net   Net Realized Date of   Loss with
    Scheduled Recent Sales Proceeds Liquidation Proceeds Loss to Current Current Cumulative Cumulative
Loan ID OMCR Balance Value Price Received Expense Available Trust Adj. to Loan Adj. to Loan Adj. to Loan Adj. to Trust
 
No Loans liquidated to Report.                      

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 28 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
HISTORICAL LIQUIDATED LOAN

 

October 19, 2026

 

    Beginning Most Liquidation Net   Net Realized Date of   Loss with
Distribution Scheduled Recent Sales Proceeds Liquidation Proceeds Loss to Current Current Cumulative Cumulative
Date Loan ID OMCR Balance Value Price Received Expense Available Trust Adj. to Loan Adj. to Loan Adj. to Loan Adj. to Trust
 
No Loans liquidated to Report.                    

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 29 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
CREFC® INVESTOR REPORTING PACKAGE LEGENDS

 

October 19, 2026

 

1|CREFC Investor Reporting Package Legends        
  Property Type (1)   Workout Strategy (3)   Liquidation/Prepayment Code (5)
 
MF Multifamily 1 Modification 1 Partial Liquidation (Curtailment)
RT Retail 2 Foreclosure 2 Payoff Prior To Maturity
HC HealthCare 3 Bankruptcy 3 Disposition / Liquidation
IN Industrial 4 Extension 4 Repurchase / Substitution
MH Mobile Home Park 5 Note Sale 5 Full Payoff At Maturity
OF Office 6 DPO 6 DPO
MU Mixed Use 7 REO 7 Liquidation prior to 7/1/2006
LO Lodging 8 Resolved 8 Payoff With Penalty
SS Self Storage 9 Pending Return to Master Servicer 9 Payoff With Yield Maintenance
SE Securities 10 Deed In Lieu of Foreclosure 10 Curtailment With Penalty
CH Cooperative Housing 11 Full Payoff 11 Curtailment With Yield Maintenance
ZZ Missing Information 12 Reps and Warranties    
SF SF 13 TBD    
WH Warehouse 98 Other    
OT Other        
 
      Modification Code (4)    
  Payment Status of Loan (2)        
    1 Maturity Date Extension    
A In Grace Period 2 Amortization Change    
B Late, but less than 30 Days 3 Principal Write-Off    
0 Current 4 Blank (formerly Combination)    
1 30-59 Days Delinquent 5 Temporary Rate Reduction    
2 60-89 Days Delinquent 6 Capitalization of Interest    
3 90-120 Days Delinquent 7 Capitalization of Taxes    
4 Performing Matured Balloon 8 Other    
5 Non Performing Matured Balloon 9 Combination    
6 121+ Days Delinquent 10 Forbearance    

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 30 of 31 © Copyright 2026 Citigroup

 


BMO 2025-C12 Mortgage Trust
Commercial Mortgage Pass-Through Certificates, Series 2025-C12
NOTES

 

October 19, 2026

 

No Notes available for this deal at this time.

 

Reports Available at sf.citidirect.com v. 21.09.28 Page 31 of 31 © Copyright 2026 Citigroup