Metro area · NY
Lenders in Binghamton, NY
23 lenders made 69 multifamily loans in the Binghamton, NY metro area in 2024 and 2025, $102.5M in all. Tioga State Bank National Association made the most, with 15. The typical loan was about $320K.
- Evidence
- Multifamily loans placed in the metro area, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 23
- HMDA,
- Multifamily loans, 2024-25
- 69
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $102M
- HMDA,
- Typical loan
- $320K
- HMDA,
Cite this
Source: The Lender Report, Lenders in Binghamton, NY, https://lender.report/lenders-in/binghamton-ny/, data as of December 31, 2025.
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This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans |
|---|---|---|---|---|---|---|
| Tioga State Bank National Association multifamily record | Bank | Spencer, NY | 15 | $5.22M | 7 | 8 |
| Visions Credit Union multifamily record | Credit union | Endicott, NY | 8 | $2.16M | 5 | 3 |
| Velocity Commercial Capital LLC multifamily record | Non-bank | Westlake Village, CA | 6 | $2.66M | 6 | 0 |
| NBT Bank, National Association multifamily record | Bank | Norwich, NY | 6 | $2.38M | 4 | 2 |
| Hometown Equity Mortgage, LLC multifamily record | Non-bank | Lake Forest, CA | 5 | $1.90M | 4 | 1 |
| Silver Hill Funding multifamily record | Non-bank | Coral Gables, FL | 4 | $1.16M | 0 | 4 |
| Manufacturers and Traders Trust Company multifamily record | Bank | Buffalo, NY | 3 | $3.36M | 1 | 2 |
| A&D Mortgage LLC multifamily record | Non-bank | Ft. Lauderdale, FL | 3 | $620K | 3 | 0 |
| Tompkins Bank & Trust multifamily record | Bank | Ithaca, NY | 2 | $22.0M | 2 | 0 |
| Conventus Lending LLC multifamily record | Non-bank | San Francisco, CA | 2 | $2.02M | 0 | 2 |
| Churchill Funding I LLC multifamily record | Non-bank | Charlotte, NC | 2 | $460K | 0 | 2 |
| Empower Credit Union multifamily record | Credit union | Syracuse, NY | 2 | $320K | 0 | 2 |
| Ally Bank multifamily record | Bank | Sandy, UT | 1 | $53.0M | 0 | 1 |
| Corning Credit Union multifamily record | Credit union | Corning, NY | 1 | $1.50M | 0 | 1 |
| Pathfinder Bank multifamily record | Bank | Oswego, NY | 1 | $1.30M | 1 | 0 |
| County | Loans | Dollars | Lenders |
|---|---|---|---|
| Broome County, NY | 64 | $101M | 22 |
A county is listed for a year only when the public file holds 5 or more multifamily loans there that year.
| Loan size | Loans |
|---|---|
| Under $1M | 61 |
| $1M to $2.5M | 5 |
| $2.5M to $5M | 0 |
| $5M to $10M | 0 |
| $10M or more | 3 |
- Lenders made 69 multifamily loans totaling $102.5M in Binghamton, NY in 2024 and 2025. HMDA,
- 36 of the loans were made in 2025 and 33 in 2024. HMDA,
- The typical loan in Binghamton, NY was about $320K, with the middle half between $220K and $520K. HMDA,
- 61 of the loans were under $1M, and 3 were $5M or more. HMDA,
- Lenders reported a median rate of 7.75% on 52 loans in Binghamton, NY, with the middle half between 6.96% and 8.99%. HMDA,
- The median term was 30 years. HMDA,
- The median loan to value was 70%. HMDA,
- 55% of the loans were refinancings and 43% were purchases. HMDA,
- Banks and savings institutions made 29 of the loans, credit unions 11, and non-banks 29. HMDA,
- The five most active lenders made 58.0% of the loans. HMDA,
- The three most active lenders were Tioga State Bank National Association with 15, Visions Credit Union with 8, and Velocity Commercial Capital LLC with 6. HMDA,
- 8 of the 23 lenders are based in New York. The rest are based elsewhere, most often in California, Florida and Illinois. HMDA,
- The most common property size was 5 to 24 units, with 63 loans. HMDA,
- 1 county in the metro area has loans on record, and Broome County, NY has the most, with 64. HMDA,
How this list is defined
- Measure
- Multifamily loans made in the Binghamton, NY metro area
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
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.