Commercial Real Estate Financing in New York | NY Commercial Loan Rates

Commercial Loan Direct (CLD) provides commercial real estate loans in the state of New York. Current commercial loan rates in New York range from 4.5% to 15.91%, depending on the loan program. CLD is a national commercial mortgage banker offering aggressively priced programs and superb service. CLD originates loans for its parent company CLD Financial which provides a wide variety of lending vehicles. Our company is currently targeting owner occupied and investment properties over $1 Million in the state of NY. We also have a dedicated page for apartment loans in New York.

New York Commercial Loans

New York Commercial Loan Rates

Commercial Loan Types Average New York Rates LTV Loan Amount Occupancy
Conventional 4.91% - 7.84% 80% $1,000,000+ Investment + Owner Occupied
Conduit / CMBS 5.39% - 6.51% 75% $2,000,000+ Investment
Insurance 4.84% - 7.09% 75% $5,000,000+ Investment + Owner Occupied
FHA / HUD 4.39% - 5.24% 83.3% $5,000,000+ Investment
USDA 5.50% - 8.50% 85% $1,000,000+ Investment + Owner Occupied
Bridge 6.91% - 15.91% 80% $1,500,000+ Investment
Construction 7.00% - 12.00% 83.3% $1,000,000+ Investment
SBA 4.50% - 8.00% 85% - 90% $1,000,000+ Owner Occupied

Types of Commercial Loans in New York

Investment Property Mortgages

The types of mortgages available for these types of properties are Conventional, CMBS / Conduit, Insurance, and Agency (FHA / HUD and USDA) products. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition, stabilize or construct buildings. Commercial real estate investment properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospitals), hospitality, (hotel, motel, resort), and mixed use.

Owner Occupied Commercial Mortgages

Owner-Occupied commercial real estate properties in which the owner occupies at least 50% of the premises and can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of commercial property. The types of mortgages available for owner-occupied buildings include Conventional, Insurance, and Agency programs including FHA / HUD, SBA, and USDA. Construction mortgages are also available on a case-by-case basis in order to develop or reposition a property for the owner's use.

Apply for a Commercial Loan in New York

Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.

Locations Served in New York

We are proud to be serving the state of New York. Here are our commercial loan statistics for this state.

New York Cities and Towns Served

192

New York Economic Data

Please note that commercial loan rates are dependent on the market. We have provided market data for NY below to help you understand what kind of market you are in. Simply click one of the options below to see the data for NY. Economic data reports provided by Data USA.

Economy

Housing

Lending Cities

Commercial loan direct provides services in the following New York cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale, feel free to use the provided New York economic reports to get a better understanding of your market.

  • Adams
  • Adams Center
  • Addison
  • Airmont
  • Akron
  • Alabama
  • Albany
  • Albany County
  • Albertson
  • Albion
  • Alden
  • Alexandria Bay
  • Alfred
  • Allegany
  • Allegany County
  • Altamont
  • Amagansett
  • Amherst
  • Amityville
  • Amsterdam
  • Andover
  • Angola
  • Angola on the Lake
  • Apalachin
  • Aquebogue
  • Arcade
  • Ardsley
  • Arlington
  • Armonk
  • Arrochar
  • Arverne
  • Astoria
  • Athens
  • Atlantic Beach
  • Attica
  • Auburn
  • Augusta
  • Averill Park
  • Avon
  • Babylon
  • Bainbridge
  • Baiting Hollow
  • Baldwin
  • Baldwin Harbor
  • Baldwinsville
  • Ballston Spa
  • Balmville
  • Bardonia
  • Barnum Island
  • Batavia
  • Bath
  • Bath Beach
  • Baxter Estates
  • Bay Park
  • Bay Shore
  • Bay Wood
  • Baychester
  • Bayport
  • Bayside
  • Bayville
  • Beacon
  • Beaver Dam Lake
  • Beaverdam Lake-Salisbury Mills
  • Bedford
  • Bedford Hills
  • Bellaire
  • Belle Harbor
  • Bellerose
  • Bellerose Terrace
  • Bellmore
  • Bellport
  • Belmont
  • Bensonhurst
  • Bergen
  • Bergen Beach
  • Bethpage
  • Big Flats
  • Billington Heights
  • Binghamton
  • Black River
  • Blasdell
  • Blauvelt
  • Bloomfield
  • Blue Point
  • Bohemia
  • Bolivar
  • Boonville
  • Borough Park
  • Boston
  • Brentwood
  • Brewerton
  • Brewster
  • Brewster Hill
  • Briarcliff Manor
  • Briarwood
  • Bridgehampton
  • Bridgeport
  • Brighton
  • Brighton Beach
  • Brightwaters
  • Brinckerhoff
  • Broad Channel
  • Broadalbin
  • Brockport
  • Brocton
  • Bronx
  • Bronxville
  • Brookhaven
  • Brooklyn
  • Brooklyn Heights
  • Brookville
  • Broome County
  • Brownsville
  • Brownville
  • Buchanan
  • Buffalo
  • Bushwick
  • Cairo
  • Calcium
  • Caledonia
  • Calverton
  • Cambria Heights
  • Cambridge
  • Camden
  • Camillus
  • Canajoharie
  • Canandaigua
  • Canarsie
  • Canastota
  • Canisteo
  • Canton
  • Carle Place
  • Carmel
  • Carmel Hamlet
  • Carthage
  • Castleton-on-Hudson
  • Catskill
  • Cattaraugus County
  • Cayuga County
  • Cayuga Heights
  • Cazenovia
  • Cedarhurst
  • Celoron
  • Center Moriches
  • Centereach
  • Centerport
  • Central Islip
  • Central Square
  • Central Valley
  • Chadwicks
  • Champlain
  • Chappaqua
  • Charleston
  • Chatham
  • Chautauqua County
  • Cheektowaga
  • Chelsea
  • Chemung County
  • Chenango Bridge
  • Chenango County
  • Chester
  • Chestnut Ridge
  • Chittenango
  • Churchville
  • City Island
  • Clarence
  • Clarence Center
  • Clark Mills
  • Clarkson
  • Clayton
  • Clifton
  • Clifton Springs
  • Clinton
  • Clinton County
  • Clintondale
  • Clyde
  • Clymer
  • Cobleskill
  • Cohoes
  • Cold Spring
  • Cold Spring Harbor
  • College Point
  • Colonie
  • Columbia County
  • Commack
  • Concord
  • Coney Island
  • Congers
  • Constantia
  • Cooperstown
  • Copiague
  • Coram
  • Corinth
  • Corning
  • Cornwall
  • Corona
  • Cortland
  • Cortland County
  • Cortland West
  • Country Knolls
  • Coxsackie
  • Crompond
  • Croton-on-Hudson
  • Crown Heights
  • Crugers
  • Cuba
  • Cumberland Head
  • Cutchogue
  • Cypress Hills
  • Dannemora
  • Dansville
  • Deer Park
  • Delaware County
  • Delevan
  • Delhi
  • Delmar
  • Depew
  • Deposit
  • Dexter
  • Dix Hills
  • Dobbs Ferry
  • Dolgeville
  • Dongan Hills
  • Douglaston
  • Dover Plains
  • Dryden
  • Dundee
  • Dunkirk
  • Durham
  • Dutchess County
  • Dyker Heights
  • East Atlantic Beach
  • East Aurora
  • East Elmhurst
  • East Farmingdale
  • East Flatbush
  • East Garden City
  • East Glenville
  • East Greenbush
  • East Hampton
  • East Hampton North
  • East Harlem
  • East Hills
  • East Islip
  • East Ithaca
  • East Massapequa
  • East Meadow
  • East Moriches
  • East New York
  • East Northport
  • East Norwich
  • East Patchogue
  • East Quogue
  • East Rochester
  • East Rockaway
  • East Setauket
  • East Shoreham
  • East Syracuse
  • East Tremont
  • East Village
  • East Williston
  • Eastchester
  • Eastport
  • Eatons Neck
  • Eden
  • Edgemere
  • Edinburg
  • Eggertsville
  • Elbridge
  • Elizabethtown
  • Ellenville
  • Elma Center
  • Elmhurst
  • Elmira
  • Elmira Heights
  • Elmont
  • Elmsford
  • Eltingville
  • Elwood
  • Emerson Hill
  • Endicott
  • Endwell
  • Erie County
  • Essex County
  • Fairmount
  • Fairport
  • Fairview
  • Falconer
  • Fallsburg
  • Far Rockaway
  • Farmingdale
  • Farmingville
  • Fayetteville
  • Financial District
  • Firthcliffe
  • Fishkill
  • Flanders
  • Flatbush
  • Flatlands
  • Floral Park
  • Florida
  • Flower Hill
  • Fonda
  • Fordham
  • Forest Hills
  • Fort Covington Hamlet
  • Fort Drum
  • Fort Edward
  • Fort Hamilton
  • Fort Montgomery
  • Fort Plain
  • Fort Salonga
  • Fort Wadsworth
  • Frankfort
  • Franklin County
  • Franklin Square
  • Franklinville
  • Fredonia
  • Freeport
  • Fresh Meadows
  • Frewsburg
  • Friendship
  • Fulton
  • Fulton County
  • Galeville
  • Gang Mills
  • Garden City
  • Garden City Park
  • Garden City South
  • Gardnertown
  • Gasport
  • Gates-North Gates
  • Genesee County
  • Geneseo
  • Geneva
  • Glasco
  • Glen Cove
  • Glen Head
  • Glen Oaks
  • Glendale
  • Glens Falls
  • Glens Falls North
  • Glenwood Landing
  • Gloversville
  • Goldens Bridge
  • Gordon Heights
  • Goshen
  • Gouverneur
  • Gowanda
  • Gramercy Park
  • Grand Island
  • Grandyle Village
  • Graniteville
  • Grant City
  • Granville
  • Gravesend
  • Great Kills
  • Great Neck
  • Great Neck Estates
  • Great Neck Gardens
  • Great Neck Plaza
  • Great River
  • Greece
  • Green Island
  • Greenburgh
  • Greene
  • Greene County
  • Greenlawn
  • Greenpoint
  • Greenport
  • Greenport West
  • Greenvale
  • Greenville
  • Greenwich
  • Greenwood Lake
  • Groton
  • Grymes Hill
  • Hadley
  • Hagaman
  • Halesite
  • Hamburg
  • Hamilton
  • Hamilton County
  • Hamlin
  • Hampton Bays
  • Hampton Manor
  • Hannawa Falls
  • Harbor Isle
  • Harlem
  • Harriman
  • Harris Hill
  • Harrison
  • Hartford
  • Hartsdale
  • Hastings-on-Hudson
  • Hauppauge
  • Haverstraw
  • Haviland
  • Hawthorne
  • Head of the Harbor
  • Hell's Kitchen
  • Hempstead
  • Heritage Hills
  • Herkimer
  • Herkimer County
  • Herricks
  • Hewlett
  • Hewlett Harbor
  • Hicksville
  • Highland
  • Highland Falls
  • Highland Mills
  • Hillcrest
  • Hillside
  • Hillside Lake
  • Hilton
  • Holbrook
  • Holcomb
  • Holland
  • Holley
  • Hollis
  • Holtsville
  • Homer
  • Honeoye Falls
  • Hoosick Falls
  • Hornell
  • Horseheads
  • Horseheads North
  • Houghton
  • Howard Beach
  • Hudson
  • Hudson Falls
  • Huguenot
  • Huntington
  • Huntington Bay
  • Huntington Station
  • Hunts Point
  • Hurley
  • Hyde Park
  • Ilion
  • Inwood
  • Irondequoit
  • Irvington
  • Island Park
  • Islandia
  • Islip
  • Islip Terrace
  • Ithaca
  • Jackson Heights
  • Jamaica
  • Jamesport
  • Jamestown
  • Jamestown West
  • Jefferson County
  • Jefferson Heights
  • Jefferson Valley-Yorktown
  • Jericho
  • Johnson City
  • Johnstown
  • Jordan
  • Kaser
  • Katonah
  • Keeseville
  • Kenmore
  • Kensington
  • Kerhonkson
  • Keuka Park
  • Kew Gardens
  • Kew Gardens Hills
  • Kiantone
  • Kinderhook
  • Kings Bridge
  • Kings County
  • Kings Park
  • Kings Point
  • Kingston
  • Kiryas Joel
  • Lackawanna
  • Lake Carmel
  • Lake Erie Beach
  • Lake Grove
  • Lake Katrine
  • Lake Luzerne
  • Lake Mohegan
  • Lake Placid
  • Lake Pleasant
  • Lake Ronkonkoma
  • Lake Success
  • Lakeland
  • Lakeview
  • Lakewood
  • Lancaster
  • Lansing
  • Larchmont
  • Latham
  • Lattingtown
  • Laurel
  • Laurel Hollow
  • Laurelton
  • Lawrence
  • Le Roy
  • Levittown
  • Lewis County
  • Lewiston
  • Liberty
  • Lido Beach
  • Lima
  • Lincoln Park
  • Lincolndale
  • Lindenhurst
  • Lindley
  • Little Falls
  • Little Neck
  • Little Valley
  • Liverpool
  • Livingston County
  • Livingston Manor
  • Livonia
  • Lloyd Harbor
  • Lockport
  • Locust Valley
  • Long Beach
  • Long Island City
  • Lorenz Park
  • Lowville
  • Lynbrook
  • Lyncourt
  • Lyons
  • Macedon
  • Madison County
  • Mahopac
  • Malone
  • Malverne
  • Mamaroneck
  • Manchester
  • Manhasset
  • Manhasset Hills
  • Manhattan
  • Manlius
  • Manorhaven
  • Manorville
  • Marbletown
  • Marcellus
  • Mariners Harbor
  • Marion
  • Marlboro
  • Maspeth
  • Massapequa
  • Massapequa Park
  • Massena
  • Mastic
  • Mastic Beach
  • Mattituck
  • Mattydale
  • Maybrook
  • Mayville
  • McGraw
  • McKownville
  • Mechanicstown
  • Mechanicville
  • Medford
  • Medina
  • Melrose
  • Melrose Park
  • Melville
  • Menands
  • Merrick
  • Merritt Park
  • Mexico
  • Middle Island
  • Middle Village
  • Middleburgh
  • Middleport
  • Middletown
  • Midland Beach
  • Mill Neck
  • Millbrook
  • Miller Place
  • Milton
  • Mineola
  • Minetto
  • Mineville
  • Minoa
  • Mohawk
  • Monroe
  • Monroe County
  • Monsey
  • Montauk
  • Montebello
  • Montgomery
  • Montgomery County
  • Monticello
  • Montour Falls
  • Montrose
  • Moravia
  • Moriches
  • Morningside Heights
  • Morris Heights
  • Morris Park
  • Morrisania
  • Morrisonville
  • Morrisville
  • Mott Haven
  • Mount Ivy
  • Mount Kisco
  • Mount Morris
  • Mount Sinai
  • Mount Vernon
  • Mountain Lodge Park
  • Munsey Park
  • Munsons Corners
  • Muttontown
  • Myers Corner
  • Nanuet
  • Napanoch
  • Naples
  • Nassau
  • Nassau County
  • Nedrow
  • Neponsit
  • Nesconset
  • New Brighton
  • New Cassel
  • New City
  • New Dorp
  • New Dorp Beach
  • New Hartford
  • New Hempstead
  • New Hyde Park
  • New Paltz
  • New Rochelle
  • New Springville
  • New Square
  • New Windsor
  • New York City
  • New York County
  • New York Mills
  • Newark
  • Newburgh
  • Newfane
  • Niagara County
  • Niagara Falls
  • Niskayuna
  • Nissequogue
  • Niverville
  • Norfolk
  • North Amityville
  • North Babylon
  • North Ballston Spa
  • North Bay Shore
  • North Bellmore
  • North Bellport
  • North Boston
  • North Castle
  • North Collins
  • North Elba
  • North Gates
  • North Great River
  • North Hills
  • North Lindenhurst
  • North Massapequa
  • North Merrick
  • North New Hyde Park
  • North Patchogue
  • North Sea
  • North Syracuse
  • North Tonawanda
  • North Valley Stream
  • North Wantagh
  • Northeast Ithaca
  • Northport
  • Northumberland
  • Northville
  • Northwest Harbor
  • Northwest Ithaca
  • Norwich
  • Norwood
  • Noyack
  • Nunda
  • Nyack
  • Oakdale
  • Oakfield
  • Oakwood
  • Oceanside
  • Ogdensburg
  • Olcott
  • Old Bethpage
  • Old Brookville
  • Old Westbury
  • Olean
  • Oneida
  • Oneida County
  • Oneonta
  • Onondaga County
  • Ontario
  • Ontario County
  • Orange County
  • Orange Lake
  • Orangeburg
  • Orchard Park
  • Oriskany
  • Orleans County
  • Ossining
  • Oswego
  • Oswego County
  • Otisville
  • Otsego County
  • Owego
  • Oxford
  • Oyster Bay
  • Oyster Bay Cove
  • Ozone Park
  • Painted Post
  • Palenville
  • Palmyra
  • Park Slope
  • Parkchester
  • Patchogue
  • Pawling
  • Peach Lake
  • Pearl River
  • Peekskill
  • Pelham
  • Pelham Manor
  • Penn Yan
  • Perry
  • Perth
  • Peru
  • Phelps
  • Philadelphia
  • Philmont
  • Phoenix
  • Piermont
  • Pine Bush
  • Pine Plains
  • Pittsford
  • Plainedge
  • Plainview
  • Plandome
  • Plandome Heights
  • Plattekill
  • Plattsburgh
  • Plattsburgh West
  • Pleasant Valley
  • Pleasantville
  • Poestenkill
  • Point Lookout
  • Pomona
  • Port Byron
  • Port Chester
  • Port Dickinson
  • Port Ewen
  • Port Henry
  • Port Jefferson
  • Port Jefferson Station
  • Port Jervis
  • Port Morris
  • Port Richmond
  • Port Washington
  • Port Washington North
  • Portland
  • Potsdam
  • Poughkeepsie
  • Pound Ridge
  • Pulaski
  • Purchase
  • Putnam County
  • Putnam Lake
  • Queens
  • Queens County
  • Queens Village
  • Queensbury
  • Randolph
  • Ransomville
  • Rapids
  • Ravena
  • Red Hook
  • Red Oaks Mill
  • Rego Park
  • Remsenburg-Speonk
  • Rensselaer
  • Rensselaer County
  • Rhinebeck
  • Richfield Springs
  • Richland
  • Richmond County
  • Richmond Hill
  • Ridge
  • Ridgewood
  • Riverdale
  • Riverhead
  • Riverside
  • Rochester
  • Rock Hill
  • Rockaway Point
  • Rockland County
  • Rockville Centre
  • Rocky Point
  • Roessleville
  • Rome
  • Ronkonkoma
  • Roosevelt
  • Rosebank
  • Rosedale
  • Rosendale Village
  • Roslyn
  • Roslyn Estates
  • Roslyn Harbor
  • Roslyn Heights
  • Rossville
  • Rotterdam
  • Rouses Point
  • Rye
  • Rye Brook
  • Sackets Harbor
  • Sag Harbor
  • Saint Bonaventure
  • Saint James
  • Saint Johnsville
  • Salamanca
  • Salisbury
  • Sanborn
  • Sands Point
  • Saranac Lake
  • Saratoga County
  • Saratoga Springs
  • Saugerties
  • Saugerties South
  • Sayville
  • Scarsdale
  • Schenectady
  • Schenectady County
  • Schoharie
  • Schoharie County
  • Schuyler County
  • Schuylerville
  • Scotchtown
  • Scotia
  • Scottsville
  • Sea Cliff
  • Seaford
  • Searingtown
  • Seaside
  • Selden
  • Seneca County
  • Seneca Falls
  • Seneca Knolls
  • Setauket-East Setauket
  • Sheepshead Bay
  • Shelter Island
  • Shelter Island Heights
  • Shenorock
  • Sherburne
  • Sherrill
  • Shinnecock Hills
  • Shirley
  • Shokan
  • Shortsville
  • Shrub Oak
  • Sidney
  • Silver Creek
  • Skaneateles
  • Sleepy Hollow
  • Sloan
  • Sloatsburg
  • Smithtown
  • Sodus
  • Solvay
  • Sound Beach
  • South Beach
  • South Blooming Grove
  • South Corning
  • South Fallsburg
  • South Farmingdale
  • South Floral Park
  • South Glens Falls
  • South Hempstead
  • South Hill
  • South Huntington
  • South Lockport
  • South Nyack
  • South Valley Stream
  • Southampton
  • Southold
  • Southport
  • Spackenkill
  • Sparkill
  • Spencerport
  • Spring Valley
  • Springfield
  • Springfield Gardens
  • Springs
  • Springville
  • Spuyten Duyvil
  • St. Lawrence County
  • Stamford
  • Stapleton
  • Staten Island
  • Steinway
  • Steuben County
  • Stewart Manor
  • Stillwater
  • Stone Ridge
  • Stony Brook
  • Stony Point
  • Stottville
  • Suffern
  • Suffolk County
  • Sullivan County
  • Sunnyside
  • Sunset Park
  • Sylvan Beach
  • Syosset
  • Syracuse
  • Tappan
  • Tarrytown
  • Terrace Heights
  • Terryville
  • The Bronx
  • Thiells
  • Thomaston
  • Thornwood
  • Throgs Neck
  • Ticonderoga
  • Tillson
  • Tioga County
  • Tivoli
  • Tompkins County
  • Tompkinsville
  • Tonawanda
  • Town Line
  • Tremont
  • Tribes Hill
  • Troy
  • Trumansburg
  • Tuckahoe
  • Tupper Lake
  • Ulster County
  • Unadilla
  • Union Springs
  • Uniondale
  • Unionport
  • University Gardens
  • University Heights
  • Upper Brookville
  • Upper Nyack
  • Utica
  • Vails Gate
  • Valatie
  • Valhalla
  • Valley Cottage
  • Valley Stream
  • Van Nest
  • Vernon
  • Verplanck
  • Victor
  • Village Green
  • Village of the Branch
  • Viola
  • Volney
  • Voorheesville
  • Wading River
  • Wakefield
  • Walden
  • Wallkill
  • Walton
  • Walton Park
  • Wampsville
  • Wanakah
  • Wantagh
  • Wappingers Falls
  • Warren County
  • Warrensburg
  • Warsaw
  • Warwick
  • Washington County
  • Washington Heights
  • Washington Mills
  • Washingtonville
  • Watchtower
  • Water Mill
  • Waterford
  • Waterloo
  • Watertown
  • Waterville
  • Watervliet
  • Watkins Glen
  • Waverly
  • Wawarsing
  • Wayland
  • Wayne County
  • Webster
  • Weedsport
  • Wellsville
  • Wesley Hills
  • West Albany
  • West Babylon
  • West Bay Shore
  • West Carthage
  • West Elmira
  • West End
  • West Glens Falls
  • West Haverstraw
  • West Hempstead
  • West Hills
  • West Hurley
  • West Islip
  • West Nyack
  • West Point
  • West Sand Lake
  • West Sayville
  • West Seneca
  • Westbury
  • Westchester County
  • Westerleigh
  • Westfield
  • Westhampton
  • Westhampton Beach
  • Westmere
  • Weston Mills
  • Westvale
  • Wheatley Heights
  • White Plains
  • Whitehall
  • Whitesboro
  • Whitestone
  • Williamsburg
  • Williamson
  • Williamsville
  • Williston Park
  • Willowbrook
  • Wilson
  • Wolcott
  • Woodbury
  • Woodhaven
  • Woodlawn
  • Woodmere
  • Woodrow
  • Woodside
  • Woodstock
  • Worcester
  • Wurtsboro
  • Wyandanch
  • Wykagyl
  • Wynantskill
  • Wyoming County
  • Yaphank
  • Yates County
  • Yonkers
  • Yorkshire
  • Yorktown Heights
  • Yorkville
  • Youngstown
  • Zena
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