New York City
NYC rent-stabilized building loans: 3,269 reach their five-year mark this year, into a rate hike and a rent freeze — and who still lends on them
New York's recorded mortgages, joined for the first time to the rent-stabilized unit count on each building's Department of Finance tax bill and to the city's building class for co-ops. 24,875 active loans, $226B, sit on buildings with registered stabilized units; the largest cohort was written in 2021–22 at the bottom of the rate cycle, and 3,269 of those loans reach their five-year mark between now and October 2027 — into a Fed hike, a 5-year Treasury above 5% and a two-year rent freeze. Who lent in 2019 and who lends now, what happened to Investors Bank's co-op book, and how to read regulation off public records when no city roll records it.
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