Unverified listing What this means
The Lender Report built this page from public records. Tioga State Bank National Association has not reviewed it. Every lender's page starts this way, and it says nothing about Tioga State Bank National Association itself. Each figure shows its source and date. Work at Tioga State Bank National Association? You can claim this page for free.
Multifamily record
Tioga State Bank National Association: multifamily loans made
Tioga State Bank National Association, a bank based in Spencer, NY, made 23 multifamily loans in 2024 and 2025, $19.7M in all, in 1 state. The typical loan was about $380K, and the largest about $7M. Most were in Broome County, NY.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 23
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $19.7M
- HMDA,
- Rounded amounts
- Typical loan
- $380K
- HMDA,
- Largest loan
- $7M
- HMDA,
- Rounded to 2 significant figures
- States
- 1
- HMDA,
Cite this
Source: The Lender Report, Tioga State Bank National Association: multifamily loans made, https://lender.report/lender/tioga-state-bank-ny/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 | Tompkins County, NY | Refinance, 25 to 49 units | $7M | HMDA 2025 | |||
| 2025 | Chenango County, NY | Purchase, 50 to 99 units | $3.6M | HMDA 2025 | |||
| 2025 | Broome County, NY | Purchase, 5 to 24 units | $880K | HMDA 2025 | |||
| 2025 | Broome County, NY | Purchase, 5 to 24 units | $760K | HMDA 2025 | |||
| 2025 | Tompkins County, NY | Purchase, 5 to 24 units | $400K | HMDA 2025 | |||
| 2025 | Broome County, NY | Refinance, 5 to 24 units | $300K | HMDA 2025 | |||
| 2025 | Broome County, NY | Refinance, 5 to 24 units | $240K | HMDA 2025 | |||
| 2025 | Broome County, NY | Purchase, 5 to 24 units | $220K | HMDA 2025 | |||
| 2025 | Broome County, NY | Refinance, 5 to 24 units | $160K | HMDA 2025 | |||
| 2025 | Broome County, NY | Purchase, 5 to 24 units | $140K | HMDA 2025 | |||
| 2025 | Chemung County, NY | Purchase, 5 to 24 units | $120K | HMDA 2025 | |||
| 2024 | Tompkins County, NY | Improvement, 5 to 24 units | $1.5M | HMDA 2024 | |||
| 2024 | Cortland County, NY | Improvement, 5 to 24 units | $1.1M | HMDA 2024 | |||
| 2024 | Tompkins County, NY | Purchase, 5 to 24 units | $680K | HMDA 2024 | |||
| 2024 | Binghamton, NY | Refinance, 5 to 24 units | $660K | HMDA 2024 | |||
| 2024 | Broome County, NY | Refinance, 5 to 24 units | $500K | HMDA 2024 | |||
| 2024 | Binghamton, NY | Purchase, 5 to 24 units | $420K | HMDA 2024 | |||
| 2024 | Broome County, NY | Refinance, 5 to 24 units | $380K | HMDA 2024 | |||
| 2024 | Broome County, NY | Purchase, 5 to 24 units | $200K | HMDA 2024 | |||
| 2024 | Broome County, NY | Refinance, 5 to 24 units | $160K | HMDA 2024 | |||
| 2024 | Broome County, NY | Purchase, 5 to 24 units | $160K | HMDA 2024 | |||
| 2024 | Tompkins County, NY | Improvement, 5 to 24 units | $100K | HMDA 2024 | |||
| 2024 | Broome County, NY | Refinance, 5 to 24 units | $45K | HMDA 2024 | |||
| 23 multifamily loans made in 2024 and 2025 | $19.7M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Broome County, NY | County | 13 | $4.14M |
| Tompkins County, NY | County | 5 | $9.68M |
| Binghamton, NY | Metro area | 2 | $1.08M |
| Chemung County, NY | County | 1 | $120K |
| Chenango County, NY | County | 1 | $3.60M |
| Cortland County, NY | County | 1 | $1.10M |
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 | 19 | $6.53M |
| $1M to $2.5M | 2 | $2.60M |
| $2.5M to $5M | 1 | $3.60M |
| $5M to $10M | 1 | $7.00M |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 12 | $5.91M | $420K |
| 2025 | 11 | $13.8M | $300K |
| Purpose | Loans |
|---|---|
| Purchase | 11 |
| Refinance | 9 |
| Improvement | 3 |
| Units | Loans |
|---|---|
| 5 to 24 units | 21 |
| 25 to 49 units | 1 |
| 50 to 99 units | 1 |
- Tioga State Bank National Association made 23 multifamily loans totaling $19.7M in 2024 and 2025, in 6 named places across 1 state. HMDA,
- It made 11 of them in 2025 and 12 in 2024. HMDA,
- The typical loan was about $380K, with the middle half between $160K and $760K. HMDA,
- The largest was about $7M. Every amount is rounded to 2 significant figures. HMDA,
- 19 loans were under $1M, and 1 was $5M or more. HMDA,
- 39% of the loans were refinancings and 48% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 21 loans. HMDA,
- Its loans were most often in Broome County, NY (13), Tompkins County, NY (5) and Binghamton, NY (2). HMDA,
What we don't know
- Whether Tioga State Bank National Association 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.