--- title: Lenders in Rochester, NY: 38 Made Multifamily Loans in 2024-25 url: https://lender.report/lenders-in/rochester-ny/ license: https://lender.report/license/ --- Metro area ยท NY # Lenders in Rochester, NY 38 lenders made 272 multifamily loans in the Rochester, NY metro area in 2024 and 2025, $1.5B in all. The Canandaigua National Bank and Trust Company made the most, with 66. The typical loan was about $1M. **Evidence** Multifamily loans placed in the metro area, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 38 HMDA, 2025 **Multifamily loans, 2024-25** 272 HMDA, 2025 Manufactured-home parks excluded **Dollars** $1.48B HMDA, 2025 **Typical loan** $1M HMDA, 2025 Cite this Source: The Lender Report, Lenders in Rochester, NY, https://lender.report/lenders-in/rochester-ny/, data as of December 31, 2025. ## Describe a deal in Rochester, NY 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. [Start with a deal in Rochester, NY](https://lender.report/comps/?lane=multifamily&metro=40380)[A lender in Rochester, NY? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | | --- | --- | --- | --- | --- | --- | --- | | [The Canandaigua National Bank and Trust Company](https://lender.report/lender/canandaigua-national-bank-and-trust-ny/) [multifamily record](https://lender.report/lender/canandaigua-national-bank-and-trust-ny/multifamily/) | Bank | Canandaigua, NY | 66 | $142M | 34 | 32 | | [The Lyons National Bank](https://lender.report/lender/lyons-national-bank-ny/) [multifamily record](https://lender.report/lender/lyons-national-bank-ny/multifamily/) | Bank | Lyons, NY | 37 | $15.6M | 15 | 22 | | [ESL Credit Union](https://lender.report/lender/esl-credit-union-ny/) [multifamily record](https://lender.report/lender/esl-credit-union-ny/multifamily/) | Credit union | Rochester, NY | 31 | $132M | 18 | 13 | | [M&T Realty Capital Corporation](https://lender.report/lender/m-and-t-realty-capital-ny/) [multifamily record](https://lender.report/lender/m-and-t-realty-capital-ny/multifamily/) | Non-bank | Buffalo, NY | 11 | $107M | 9 | 2 | | [Five Star Bank](https://lender.report/lender/five-star-bank-ny/) [multifamily record](https://lender.report/lender/five-star-bank-ny/multifamily/) | Bank | Rochester, NY | 11 | $82.7M | 7 | 4 | | [Community Bank, National Association](https://lender.report/lender/community-bank-ny/) [multifamily record](https://lender.report/lender/community-bank-ny/multifamily/) | Bank | Canton, NY | 9 | $29.6M | 2 | 7 | | [Manufacturers and Traders Trust Company](https://lender.report/lender/manufacturers-and-traders-trust-ny/) [multifamily record](https://lender.report/lender/manufacturers-and-traders-trust-ny/multifamily/) | Bank | Buffalo, NY | 8 | $26.9M | 6 | 2 | | [Berkadia Commercial Mortgage](https://lender.report/lender/berkadia-commercial-mortgage-pa/) [multifamily record](https://lender.report/lender/berkadia-commercial-mortgage-pa/multifamily/) | Non-bank | Ambler, PA | 7 | $143M | 7 | 0 | | [Lument Real Estate Capital](https://lender.report/lender/lument-real-estate-capital-oh/) [multifamily record](https://lender.report/lender/lument-real-estate-capital-oh/multifamily/) | Non-bank | Columbus, OH | 7 | $88.1M | 7 | 0 | | [Empower Credit Union](https://lender.report/lender/empower-credit-union-ny/) [multifamily record](https://lender.report/lender/empower-credit-union-ny/multifamily/) | Credit union | Syracuse, NY | 7 | $24.5M | 4 | 3 | | [Family First of NY Credit Union](https://lender.report/lender/family-first-of-ny-credit-union-ny/) [multifamily record](https://lender.report/lender/family-first-of-ny-credit-union-ny/multifamily/) | Credit union | Rochester, NY | 7 | $2.98M | 0 | 7 | | [PGIM Real Estate Agency Financing, LLC](https://lender.report/lender/pgim-real-estate-agency-financing-tx/) [multifamily record](https://lender.report/lender/pgim-real-estate-agency-financing-tx/multifamily/) | Non-bank | Dallas, TX | 6 | $108M | 6 | 0 | | [Walker & Dunlop, LLC](https://lender.report/lender/walker-and-dunlop-md/) [multifamily record](https://lender.report/lender/walker-and-dunlop-md/multifamily/) | Non-bank | Bethesda, MD | 5 | $21.9M | 3 | 2 | | [Tompkins Bank & Trust](https://lender.report/lender/tompkins-bank-and-trust-ny/) [multifamily record](https://lender.report/lender/tompkins-bank-and-trust-ny/multifamily/) | Bank | Ithaca, NY | 5 | $19.8M | 1 | 4 | | [NewPoint Real Estate Capital](https://lender.report/lender/newpoint-real-estate-capital-tx/) [multifamily record](https://lender.report/lender/newpoint-real-estate-capital-tx/multifamily/) | Non-bank | Plano, TX | 4 | $118M | 2 | 2 | HMDA, 2025 [All 38 lenders in Rochester, NY, by loan size](https://lender.report/multifamily-lenders/rochester-ny/) | County | Loans | Dollars | Lenders | | --- | --- | --- | --- | | [Monroe County, NY](https://lender.report/lenders-in/new-york/monroe-county/) | 206 | $1.14B | 33 | | [Ontario County, NY](https://lender.report/lenders-in/new-york/ontario-county/) | 28 | $138M | 14 | | Wayne County, NY | 17 | $49.6M | 9 | | Livingston County, NY | 9 | $10.0M | 8 | HMDA, 2025 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 | 132 | | $1M to $2.5M | 44 | | $2.5M to $5M | 29 | | $5M to $10M | 27 | | $10M or more | 40 | HMDA, 2025 - Lenders made 272 multifamily loans totaling $1.5B in Rochester, NY in 2024 and 2025. HMDA, 2025 - 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, 2025 - 143 of the loans were made in 2025 and 129 in 2024. HMDA, 2025 - The typical loan in Rochester, NY was about $1M, with the middle half between $400K and $4.8M. HMDA, 2025 - 132 of the loans were under $1M, and 67 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 7.25% on 223 loans in Rochester, NY, with the middle half between 6.51% and 7.69%. HMDA, 2025 - The median term was 10 years. HMDA, 2025 - The median loan to value was 70%. HMDA, 2025 - 44% of the loans were refinancings and 49% were purchases. HMDA, 2025 - Banks and savings institutions made 160 of the loans, credit unions 50, and non-banks 59. HMDA, 2025 - The five most active lenders made 57.4% of the loans. HMDA, 2025 - The three most active lenders were The Canandaigua National Bank and Trust Company with 66, The Lyons National Bank with 37, and ESL Credit Union with 31. HMDA, 2025 - 19 of the 38 lenders are based in New York. The rest are based elsewhere, most often in Pennsylvania, California and Ohio. HMDA, 2025 - The most common property size was 5 to 24 units, with 148 loans. HMDA, 2025 - 4 counties in the metro area have loans on record, and Monroe County, NY has the most, with 206. HMDA, 2025 ## How this list is defined **Measure** Multifamily loans made in the Rochester, 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](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: 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](https://lender.report/report/) 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.