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The Lender Report built this page from public records. Utica Gas & Electric Emp Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Utica Gas & Electric Emp Credit Union itself. Each figure shows its source and date. Work at Utica Gas & Electric Emp Credit Union? You can claim this page for free.
Multifamily record
Utica Gas & Electric Emp Credit Union: multifamily loans made
Utica Gas & Electric Emp Credit Union, a credit union based in New Hartford, NY, made 6 multifamily loans in 2025, $2M in all, in 1 state. The typical loan was about $400K, and the largest about $500K. Most were in Madison County, NY.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 9, 2026
- Multifamily loans
- 6
- HMDA,
- 2025. Manufactured-home parks excluded
- Dollars
- $1.98M
- HMDA,
- Rounded amounts
- Typical loan
- $400K
- HMDA,
- Largest loan
- $500K
- HMDA,
- Rounded to 2 significant figures
- States
- 1
- HMDA,
Cite this
Source: The Lender Report, Utica Gas & Electric Emp Credit Union: multifamily loans made, https://lender.report/lender/utica-gas-and-electric-emp-credit-union-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 | Oneida County, NY | Cash-out refinance, 5 to 24 units | $500K | 7.13% | 15 yr | 74% | HMDA 2025 |
| 2025 | Herkimer County, NY | 5 to 24 units | $400K | 7.25% | 30 yr | 80% | HMDA 2025 |
| 2025 | Location not reported | Purchase, 5 to 24 units | $400K | 7.38% | 15 yr | 21% | HMDA 2025 |
| 2025 | Oneida County, NY | Purchase, 5 to 24 units | $360K | 7.38% | 30 yr | 80% | HMDA 2025 |
| 2025 | Madison County, NY | Purchase, 5 to 24 units | $220K | 6.63% | 30 yr | 80% | HMDA 2025 |
| 2025 | Madison County, NY | Purchase, 5 to 24 units | $100K | 7.25% | 15 yr | 80% | HMDA 2025 |
| 6 multifamily loans made in 2025 | $1.98M | HMDA 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Madison County, NY | County | 2 | $320K |
| Oneida County, NY | County | 2 | $860K |
| Herkimer County, NY | County | 1 | $400K |
| Location not reported | State | 1 | $400K |
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 | 6 | $1.98M |
| $1M to $2.5M | 0 | $0 |
| $2.5M to $5M | 0 | $0 |
| $5M to $10M | 0 | $0 |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2025 | 6 | $1.98M | $400K |
| Purpose | Loans |
|---|---|
| Purchase | 4 |
| Cash-out refinance | 1 |
| Units | Loans |
|---|---|
| 5 to 24 units | 6 |
- Utica Gas & Electric Emp Credit Union made 6 multifamily loans totaling $2M in 2025, in 4 named places across 1 state. HMDA,
- The typical loan was about $400K, with the middle half between $220K and $400K. HMDA,
- The largest was about $500K. Every amount is rounded to 2 significant figures. HMDA,
- 6 loans were under $1M, and 0 were $5M or more. HMDA,
- It reported a median rate of 7.25% on 6 loans, with the middle half between 7.13% and 7.38%. HMDA,
- The median term was 30 years. HMDA,
- The median loan to value was 80%. HMDA,
- 20% of the loans were refinancings and 80% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 6 loans. HMDA,
- Its loans were most often in Madison County, NY (2), Oneida County, NY (2) and Herkimer County, NY (1). HMDA,
What we don't know
- Whether Utica Gas & Electric Emp Credit Union 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.