County · NY
Multifamily lenders in Schenectady County, NY
20 lenders made 53 multifamily loans in Schenectady County, NY in 2024 and 2025, $156.1M in all. Sunmark Credit Union made the most, with 10. The typical loan was about $560K. 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
- 20
- HMDA,
- Multifamily loans, 2024-25
- 53
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $156M
- HMDA,
- Typical loan
- $560K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Schenectady County, NY, https://lender.report/lenders-in/new-york/schenectady-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| Sunmark Credit Union multifamily record | Credit union | Albany, NY | 10 | $4.86M | 4 | 6 | $500K |
| First National Bank of Scotia multifamily record | Bank | Scotia, NY | 8 | $4.12M | 5 | 3 | $500K |
| Chemung Canal Trust Company, National Association multifamily record | Bank | Elmira, NY | 4 | $7.04M | 2 | 2 | $1M |
| TrustCo Bank multifamily record | Savings | Glenville, NY | 4 | $3.38M | 2 | 2 | $900K |
| Pioneer Bank, National Association multifamily record | Bank | Albany, NY | 3 | $12.1M | 0 | 3 | $660K |
| First New York Credit Union multifamily record | Credit union | Albany, NY | 3 | $1.08M | 2 | 1 | $360K |
| Broadview Credit Union multifamily record | Credit union | Albany, NY | 2 | $5.70M | 2 | 0 | $4.6M |
| TD Bank, National Association multifamily record | Bank | Wilmington, DE | 2 | $1.56M | 2 | 0 | $1.3M |
| Arrow Bank National Association multifamily record | Bank | Glens Falls, NY | 2 | $1.16M | 2 | 0 | $900K |
| Bank of Greene multifamily record | Savings | Catskill, NY | 2 | $960K | 0 | 2 | $620K |
| NBT Bank, National Association multifamily record | Bank | Norwich, NY | 1 | $42.0M | 0 | 1 | $42M |
| Berkeley Point Capital LLC multifamily record | Non-bank | Boston, MA | 1 | $27.0M | 1 | 0 | $27M |
| Walker & Dunlop, LLC multifamily record | Non-bank | Bethesda, MD | 1 | $6.10M | 0 | 1 | $6.1M |
| Ballston Spa National Bank multifamily record | Bank | Ballston Spa, NY | 1 | $6.00M | 0 | 1 | $6M |
| Americu Credit Union multifamily record | Credit union | Rome, NY | 1 | $1.20M | 0 | 1 | $1.2M |
| Community Bank, National Association multifamily record | Bank | Canton, NY | 1 | $700K | 0 | 1 | $700K |
| Merchants Mortgage & Trust Corporation, LLC multifamily record | Non-bank | Greenwood Village, CO | 1 | $520K | 1 | 0 | $520K |
| Constructive Loans LLC multifamily record | Non-bank | Oakbrook Terrace, IL | 1 | $440K | 1 | 0 | $440K |
| Lima One Capital, LLC multifamily record | Non-bank | Greenville, SC | 1 | $380K | 0 | 1 | $380K |
| Velocity Commercial Capital LLC multifamily record | Non-bank | Westlake Village, CA | 1 | $300K | 0 | 1 | $300K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 38 | 14 |
| $1M to $2.5M | 6 | 6 |
| $2.5M to $5M | 2 | 2 |
| $5M to $10M | 2 | 2 |
| $10M or more | 5 | 3 |
- Lenders made 53 multifamily loans totaling $156.1M in Schenectady County, NY in 2024 and 2025. HMDA,
- 3 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,
- 24 of the loans were made in 2025 and 29 in 2024. HMDA,
- The typical loan in Schenectady County, NY was about $560K, with the middle half between $400K and $1M. HMDA,
- 38 of the loans were under $1M, and 7 were $5M or more. HMDA,
- Lenders reported a median rate of 6.95% on 31 loans in Schenectady County, NY, with the middle half between 6.68% and 7.67%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 68%. HMDA,
- 55% of the loans were refinancings and 45% were purchases. HMDA,
- Banks and savings institutions made 28 of the loans, credit unions 16, and non-banks 6. HMDA,
- The five most active lenders made 54.7% of the loans. HMDA,
- The three most active lenders were Sunmark Credit Union with 10, First National Bank of Scotia with 8, and Chemung Canal Trust Company, National Association with 4. HMDA,
- 13 of the 20 lenders are based in New York. The rest are based elsewhere, most often in California, Colorado and Delaware. HMDA,
- The most common property size was 5 to 24 units, with 40 loans. HMDA,
- Schenectady 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 Schenectady 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.