County · NY
Multifamily lenders in Saratoga County, NY
22 lenders made 58 multifamily loans in Saratoga County, NY in 2024 and 2025, $445.1M in all. The Adirondack Trust Company made the most, with 12. The typical loan was about $1.7M. The county is part of the Albany, NY metro area.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 22
- HMDA,
- Multifamily loans, 2024-25
- 58
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $445M
- HMDA,
- Typical loan
- $1.7M
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Saratoga County, NY, https://lender.report/lenders-in/new-york/saratoga-county/, data as of December 31, 2025.
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| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 25 | 12 |
| $1M to $2.5M | 9 | 4 |
| $2.5M to $5M | 5 | 4 |
| $5M to $10M | 5 | 4 |
| $10M or more | 14 | 10 |
- Lenders made 58 multifamily loans totaling $445.1M in Saratoga County, NY in 2024 and 2025. HMDA,
- 2 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA,
- 34 of the loans were made in 2025 and 24 in 2024. HMDA,
- The typical loan in Saratoga County, NY was about $1.7M, with the middle half between $400K and $9M. HMDA,
- 25 of the loans were under $1M, and 19 were $5M or more. HMDA,
- Lenders reported a median rate of 6.60% on 32 loans in Saratoga County, NY, with the middle half between 5.85% and 7.13%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 66%. HMDA,
- 45% of the loans were refinancings and 40% were purchases. HMDA,
- Banks and savings institutions made 38 of the loans, credit unions 4, and non-banks 14. HMDA,
- The five most active lenders made 53.4% of the loans. HMDA,
- The three most active lenders were The Adirondack Trust Company with 12, Chemung Canal Trust Company, National Association with 7, and NewPoint Real Estate Capital with 4. HMDA,
- 15 of the 22 lenders are based in New York. The rest are based elsewhere, most often in Texas, Indiana and Maryland. HMDA,
- The most common property size was 5 to 24 units, with 36 loans. HMDA,
- Saratoga County, NY is part of the Albany-Schenectady-Troy, NY metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in Saratoga County, NY
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
- 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.
SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.
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.