Metro area · NY
Lenders in Ithaca, NY
18 lenders made 45 multifamily loans in the Ithaca, NY metro area in 2024 and 2025, $985.3M in all. Tompkins Bank & Trust made the most, with 12. The typical loan was about $1.5M.
- Evidence
- Multifamily loans placed in the metro area, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 18
- HMDA,
- Multifamily loans, 2024-25
- 45
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $985M
- HMDA,
- Typical loan
- $1.5M
- HMDA,
Cite this
Source: The Lender Report, Lenders in Ithaca, NY, https://lender.report/lenders-in/ithaca-ny/, data as of December 31, 2025.
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| County | Loans | Dollars | Lenders |
|---|---|---|---|
| Tompkins County, NY | 45 | $978M | 18 |
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 | 18 |
| $1M to $2.5M | 7 |
| $2.5M to $5M | 2 |
| $5M to $10M | 6 |
| $10M or more | 12 |
- Lenders made 45 multifamily loans totaling $985.3M in Ithaca, NY in 2024 and 2025. HMDA,
- 24 of the loans were made in 2025 and 21 in 2024. HMDA,
- The typical loan in Ithaca, NY was about $1.5M, with the middle half between $660K and $11M. HMDA,
- 18 of the loans were under $1M, and 18 were $5M or more. HMDA,
- Lenders reported a median rate of 6.67% on 34 loans in Ithaca, NY, with the middle half between 6.25% and 7.31%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 63%. HMDA,
- 47% of the loans were refinancings and 40% were purchases. HMDA,
- Banks and savings institutions made 36 of the loans, credit unions 3, and non-banks 6. HMDA,
- The five most active lenders made 60.0% of the loans. HMDA,
- The three most active lenders were Tompkins Bank & Trust with 12, Nextier Bank, National Association with 5, and Tioga State Bank National Association with 5. HMDA,
- 12 of the 18 lenders are based in New York. The rest are based elsewhere, most often in Ohio, Florida and Minnesota. HMDA,
- The most common property size was 5 to 24 units, with 24 loans. HMDA,
- 1 county in the metro area has loans on record, and Tompkins County, NY has the most, with 45. HMDA,
How this list is defined
- Measure
- Multifamily loans made in the Ithaca, 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.