These banks all reported apartment loans on their most recent federal call report, and all have at least one branch in New York. Banks are the most common source of multifamily financing — five units and up, stabilised or value-add — and most lend close to their branches, so a lender with offices near your building is usually a better first call than a bigger name without them. Expect a bank to want recourse and, usually, a banking relationship; the capital guide compares the alternatives.
Banks Based in New York, Largest Multifamily Books First
25 of 89 qualifying banks are headquartered in New York. These are the lenders whose whole business is this market.
| # | Institution | Multifamily book | Share of investor CRE | Branches in NY | Contact |
|---|---|---|---|---|---|
| 1 | Flagstar Bank | $26.92bn | 82.2% | 108 | Contact available |
| 2 | M&T Bank | $7.12bn | 29.5% | 275 | Contact available |
| 3 | Apple Bank | $4.34bn | 63.6% | 76 | Contact available |
| 4 | Dime Commercial Bank | $3.12bn | 52.2% | 63 | Contact available |
| 5 | Goldman Sachs Bank USA | $2.24bn | 16.7% | 1 | Contact available |
| 6 | Popular Bank | $2.05bn | 36.4% | 20 | Contact available |
| 7 | Ridgewood Savings Bank | $2.04bn | 83.7% | 38 | Contact available |
| 8 | Deutsche Bank Trust Company Americas | $1.99bn | 50.2% | 1 | — |
| 9 | Amalgamated Bank | $1.86bn | 81.9% | 4 | Contact available |
| 10 | The Bank of New York Mellon | $1.55bn | 32.3% | 7 | Contact available |
| 11 | Morgan Stanley Private Bank, National Association | $1.51bn | 22.1% | 1 | Contact available |
| 12 | NBT Bank, National Association | $1.50bn | 40.5% | 129 | Contact available |
| 13 | Israel Discount Bank of New York | $1.21bn | 29.2% | 3 | Contact available |
| 14 | Ponce Bank, National Association | $1.06bn | 45.1% | 13 | Contact available |
| 15 | Community Bank, National Association (Canton, NY) | $952m | 33.4% | 149 | Contact available |
| 16 | Tompkins Community Bank | $776m | 28.5% | 41 | Contact available |
| 17 | Hanover Community Bank | $566m | 69.5% | 10 | Contact available |
| 18 | Five Star Bank (New York) | $524m | 24.5% | 48 | Contact available |
| 19 | Orange Bank & Trust Company | $468m | 34.5% | 16 | Contact available |
| 20 | Chemung Canal Trust Company | $462m | 35.8% | 28 | Contact available |
| 21 | Maspeth Federal Savings and Loan Association | $433m | 39.4% | 8 | Contact available |
| 22 | Metropolitan Commercial Bank | $414m | 12.9% | 8 | Contact available |
| 23 | Esquire Bank, National Association | $395m | 75.8% | 2 | Contact available |
| 24 | The Canandaigua National Bank and Trust Company | $341m | 26.9% | 28 | Contact available |
| 25 | NorthEast Community Bank | $327m | 18.5% | 9 | Contact available |
National Lenders With Branches in New York
25 of 65 qualifying banks are headquartered elsewhere but have offices here. The multifamily figure is their national book, so read it alongside the branch count — a large book behind a handful of local offices is a different proposition from a bank with a branch network in the state.
| # | Institution | Multifamily book | Share of investor CRE | Branches in NY | Contact |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $107.32bn | 64.9% | 582 | Contact available |
| 2 | Wells Fargo | $26.55bn | 25.6% | 93 | Contact available |
| 3 | PNC Real Estate | $14.98bn | 40.8% | 5 | Contact available |
| 4 | Santander Bank | $9.37bn | 57.9% | 134 | Contact available |
| 5 | Valley National Bank | $9.03bn | 39.9% | 41 | Contact available |
| 6 | Bank of America | $8.46bn | 15.3% | 251 | Contact available |
| 7 | Citizens Bank | $8.04bn | 35.0% | 171 | Contact available |
| 8 | Capital One, National Association | $6.94bn | 30.3% | 76 | Contact available |
| 9 | TD Bank | $6.71bn | 28.5% | 231 | Contact available |
| 10 | KeyBank | $5.44bn | 38.5% | 228 | Contact available |
| 11 | EverBank | $4.86bn | 63.3% | 2 | Contact available |
| 12 | East West Bank | $4.61bn | 25.1% | 7 | Contact available |
| 13 | Fifth Third Bank | $4.14bn | 19.2% | 1 | Contact available |
| 14 | Provident Bank | $3.81bn | 32.3% | 3 | Contact available |
| 15 | First Horizon Bank | $3.72bn | 27.1% | 1 | Contact available |
| 16 | ConnectOne Bank | $3.68bn | 51.6% | 42 | Contact available |
| 17 | City National Bank (CA) | $2.70bn | 22.2% | 6 | Contact available |
| 18 | Customers Bank | $2.66bn | 58.3% | 1 | Contact available |
| 19 | Cathay Bank | $2.59bn | 32.6% | 9 | Contact available |
| 20 | Bank OZK | $2.55bn | 14.7% | 1 | Contact available |
| 21 | Kearny Bank | $2.50bn | 67.8% | 3 | Contact available |
| 22 | OceanFirst Bank | $2.36bn | 27.4% | 37 | Contact available |
| 23 | Beacon Bank and Trust | $2.24bn | 28.7% | 31 | Contact available |
| 24 | Peapack Private Bank & Trust | $1.80bn | 57.3% | 2 | Contact available |
| 25 | Columbia Bank (Fair Lawn, NJ) | $1.77bn | 43.3% | 20 | Contact available |
What this list is, and what it leaves out
A reported balance is not a credit box. Every bank here held apartment loans on 30 June 2026. That is evidence they lend on multifamily — better evidence than a marketing page, because it is what they actually hold — but it is not a commitment to lend on your deal, at your size, in your submarket.
More lenders exist than this page lists. 154 banks qualified in New York. Credit unions, debt funds, agency lenders and life companies also finance apartments and none of them file this report, and plenty of banks lend on multifamily without publishing criteria anywhere. Running your deal through the search covers all of them, not just the banks on this page.
We hold a named lending contact for 147 of them.
Sources. FDIC Call Reports (30 June 2026) and the FDIC Summary of Deposits. A bank appears here if it reported a multifamily balance of $5m or more, or multifamily at 5% or more of its commercial real estate book, and has at least one branch in New York. The dual test is deliberate: a flat dollar floor is a bank-size filter in disguise — a $25m floor passes 86.5% of banks over $10bn and 2.2% of banks under $300m — and would drop the community lenders most likely to look at a smaller apartment deal. Multifamily is the call report's own category for loans secured by five-or-more-unit residential property; it excludes one-to-four-unit rentals, which banks report separately. Multifamily book is institution-level and unprorated: no state split of the loan book is published, so a bank lending in several states shows its full multifamily book on every state page where it qualifies. That is why this page separates banks based in New York from national lenders with branches here, rather than ranking them against each other on a national figure. Branch counts are offices in New York from the Summary of Deposits. Contact availability refers to whether Lender Compass holds a named contact, not to anything the bank publishes.