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Multifamily record
Spencer Savings Bank, SLA: multifamily loans made
Spencer Savings Bank, SLA, a savings institution based in Elmwood Park, NJ, made 98 multifamily loans in 2024 and 2025, $329.4M in all, in 2 states. The typical loan was about $2.6M, and the largest about $15M. Most were in Bronx County, NY.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 98
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $329M
- HMDA,
- Rounded amounts
- Typical loan
- $2.6M
- HMDA,
- Largest loan
- $15M
- HMDA,
- Rounded to 2 significant figures
- States
- 2
- HMDA,
Cite this
Source: The Lender Report, Spencer Savings Bank, SLA: multifamily loans made, https://lender.report/lender/spencer-savings-bank-sla-nj/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Union County, NJ | Purchase, 50 to 99 units | $15M | HMDA 2025 | |||
| 2025 | Essex County, NJ | Purchase, 50 to 99 units | $9.5M | HMDA 2025 | |||
| 2025 | Passaic County, NJ | Purchase, 25 to 49 units | $9.3M | HMDA 2025 | |||
| 2025 | Bronx County, NY | Refinance, 5 to 24 units | $9.1M | HMDA 2025 | |||
| 2025 | Union County, NJ | Refinance, 25 to 49 units | $7.8M | HMDA 2025 | |||
| 2025 | Bronx County, NY | Refinance, 25 to 49 units | $7.5M | HMDA 2025 | |||
| 2025 | Essex County, NJ | Purchase, 50 to 99 units | $7.5M | HMDA 2025 | |||
| 2025 | Hudson County, NJ | Refinance, 25 to 49 units | $7.5M | HMDA 2025 | |||
| 2025 | Passaic County, NJ | Refinance, 25 to 49 units | $7.5M | HMDA 2025 | |||
| 2025 | Essex County, NJ | Purchase, 25 to 49 units | $6M | HMDA 2025 | |||
| 2025 | Bronx County, NY | Refinance, 5 to 24 units | $5M | HMDA 2025 | |||
| 2025 | Hudson County, NJ | Refinance, 50 to 99 units | $4.9M | HMDA 2025 | |||
| 2025 | Westchester County, NY | Refinance, 50 to 99 units | $4.9M | HMDA 2025 | |||
| 2025 | Camden County, NJ | Refinance, 50 to 99 units | $4.7M | HMDA 2025 | |||
| 2025 | Sussex County, NJ | Refinance, 25 to 49 units | $4.2M | HMDA 2025 | |||
| 2025 | Passaic County, NJ | Refinance, 25 to 49 units | $4.1M | HMDA 2025 | |||
| 2025 | Mercer County, NJ | Purchase, 5 to 24 units | $4M | HMDA 2025 | |||
| 2025 | Union County, NJ | Refinance, 5 to 24 units | $4M | HMDA 2025 | |||
| 2025 | Union County, NJ | Refinance, 5 to 24 units | $4M | HMDA 2025 | |||
| 2025 | Kings County, NY | Refinance, 5 to 24 units | $3.8M | HMDA 2025 | |||
| 2025 | Hudson County, NJ | Refinance, 25 to 49 units | $3.6M | HMDA 2025 | |||
| 2025 | Queens County, NY | Refinance, 5 to 24 units | $3.3M | HMDA 2025 | |||
| 2025 | Bergen County, NJ | Purchase, 5 to 24 units | $3.2M | HMDA 2025 | |||
| 2025 | Passaic County, NJ | Refinance, 5 to 24 units | $3.2M | HMDA 2025 | |||
| 2025 | Essex County, NJ | Refinance, 5 to 24 units | $3.1M | HMDA 2025 | |||
| 98 multifamily loans made in 2024 and 2025 | $329M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Bronx County, NY | County | 23 | $74.9M |
| Hudson County, NJ | County | 14 | $40.0M |
| Kings County, NY | County | 13 | $32.2M |
| Passaic County, NJ | County | 13 | $40.3M |
| Essex County, NJ | County | 11 | $38.2M |
| Union County, NJ | County | 5 | $32.4M |
| Bergen County, NJ | County | 4 | $14.7M |
| Mercer County, NJ | County | 4 | $10.3M |
| Camden County, NJ | County | 2 | $16.7M |
| Morris County, NJ | County | 2 | $8.06M |
| New York County, NY | County | 2 | $5.20M |
| Middlesex County, NJ | County | 1 | $2.40M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 9 | $6.88M |
| $1M to $2.5M | 33 | $58.5M |
| $2.5M to $5M | 39 | $132M |
| $5M to $10M | 15 | $105M |
| $10M or more | 2 | $27.0M |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 38 | $117M | $2.5M |
| 2025 | 60 | $212M | $2.6M |
| Purpose | Loans |
|---|---|
| Purchase | 17 |
| Refinance | 81 |
| Units | Loans |
|---|---|
| 5 to 24 units | 77 |
| 25 to 49 units | 14 |
| 50 to 99 units | 7 |
- Spencer Savings Bank, SLA made 98 multifamily loans totaling $329.4M in 2024 and 2025, in 16 named places across 2 states. HMDA,
- It made 60 of them in 2025 and 38 in 2024. HMDA,
- The typical loan was about $2.6M, with the middle half between $1.8M and $4.1M. HMDA,
- The largest was about $15M. Every amount is rounded to 2 significant figures. HMDA,
- 9 loans were under $1M, and 17 were $5M or more. HMDA,
- 83% of the loans were refinancings and 17% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 77 loans. HMDA,
- Its loans were most often in Bronx County, NY (23), Hudson County, NJ (14) and Kings County, NY (13). HMDA,
What we don't know
- Whether Spencer Savings Bank, SLA is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.