Think it’s tough to get a home loan? Try getting one on a hotel or office building.

The Mortgage Bankers Association says commercial/multifamily mortgage volumes fell 65 percent to $181.4 billion in 2008.

The association says decreases were seen across all property types and most investor groups.

“The continuing credit crunch, a relatively low volume of commercial mortgages maturing in the coming years and little incentive for property owners to sell their properties all continue to put downward pressure on origination volumes,” said Jamie Woodwell, MBA’s Vice President of Commercial Real Estate Research.

What little action there was dominated by multifamily housing loans - representing $64.6 billion, or 36 percent of the lending total.

Lending for hotel/motel properties had the largest decrease in originations by property type, followed closely by office properties.