New York City
ACRIS records no maturity. We read the instrument.
ACRIS records no maturity date. The recorded instrument often does: 47% of the plain mortgages Circlemark has read — 6,297 of 13,249 — state the maturity on the face of the document. We read every scanned instrument over $2 million, cite the date to its page, and label every modelled date an estimate — never a fact.
New York records who borrowed, from whom, on which lot — never for how long. Circlemark sizes every commercial loan from its full recorded set, reads the scanned instrument for the stated maturity and rate, ties it to the PLUTO parcel, and keeps it current against satisfactions, consolidations, modifications and foreclosures every week.
- Loans tracked
- 86,385
- Maturing in the next 12 months
- 6,893
- Stated maturities
- 3,865
- Lifecycle events matched
- 198,453
Four ACRIS boroughs. As of Oct 23, 2026.
What is different about New York
- Loans are recorded as sets. A refinance is usually a CEMA — a gap mortgage plus a consolidation agreement. Reading rows one at a time double-counts principal; we classify the whole recorded set so the consolidation carries the loan and superseded notes never surface as separate maturities.
- No maturity in the index. Where the recorded document states one we read it and cite the page; where it doesn't, we model plausible terms by lender type and say so — an estimate never renders as a fact.
- The reset, not the maturity. New York bank multifamily paper is routinely a 25–30-year note whose rate resets at year 5, 7 or 10. We read the rider for the stated first reset — the event a broker actually works — and, where it prints them, the initial rate, the index and margin it re-sets to, and the caps.
- Homes are excluded correctly. Classification comes from the recorder's own property-type codes, so a $4M condo-unit mortgage doesn't masquerade as a commercial loan — unless it blankets several units, which is a portfolio and stays. Loans on 1–4 family houses are their own segment, shown only when that type is picked, with the first rate reset read from the rider — the 30-year note's only event.
- Co-ops and rent-stabilized buildings, flagged. A co-op's loan is the corporation's underlying mortgage, flagged from the city's building class or the borrower's name. Stabilized units are counted from the owner's registration on the Department of Finance tax bill; a pre-1974 residential building of six or more apartments with none registered is marked likely, as an estimate — never as a fact.
- Owner contacts from the public record. The officers an LLC must list on its HPD registration, DOB permit contacts, the assessor's owner, and the person who signed the recorded instrument — every name cited to its source.
Boroughs
| Borough | Sources | Maturities | Lenders |
|---|---|---|---|
| Manhattan | ACRIS + PLUTO | Loans maturing in Manhattan | Most active in Manhattan |
| Brooklyn | ACRIS + PLUTO | Loans maturing in Brooklyn | Most active in Brooklyn |
| Queens | ACRIS + PLUTO | Loans maturing in Queens | Most active in Queens |
| Bronx | ACRIS + PLUTO | Loans maturing in Bronx | Most active in Bronx |
| Staten Island | separate recorder; not yet covered | — | — |
The full method, provenance tiers and known gaps are on the methodology page; pricing is one seat for every metro we cover — see pricing.
Questions
Does ACRIS record commercial mortgage maturity dates?
No. ACRIS indexes the amount, the parties, the tax lot and the document type, but it has no maturity or term field. When a maturity exists in the public record it is on the scanned instrument itself — the stated maturity of the note, or the rider's first rate-reset date — and is retrievable only by reading the document.
Can NYC commercial mortgage maturities only be estimated?
No. 47% of the plain mortgage instruments Circlemark has read — 6,297 of 13,249, measured September 2026 — state the maturity on the face of the recorded document, and each date is cited to the page it was read from. Consolidation agreements (CEMAs) almost never state one, because the amended note is an unrecorded exhibit; those maturities are modelled by lender type and always labelled as estimates, never presented as fact.
Can Circlemark filter rent-stabilized buildings and co-ops in NYC?
Yes. No city roll records rent regulation, so Circlemark reads the stabilized-unit count an owner registers through the per-unit fee on the Department of Finance tax bill, and shows it on the row; a residential building completed before 1974 with six or more apartments and nothing registered is marked likely stabilized, as an estimate. A co-op is flagged from the city's building class or a borrower filing as an owners' or tenants' corporation, because its loan is the corporation's underlying mortgage rather than a rental building's debt.
How does Circlemark read maturities from ACRIS instruments?
ACRIS serves the scanned instrument for every recorded document. For commercial mortgages of $2 million and up we read the scan with a vision model, keep only high-confidence extractions, and store the stated maturity, term, rate and first rate-reset date with the page they were read from. A modelled date never renders as a fact — it carries an ≈ marker and names the assumed term.
Research on this market
- NYC ARM resets in 2027: what the riders say the rate becomes
ICE counts 186,020 adjustable-rate mortgages resetting nationally in 2027. In New York City the recorded Fixed/Adjustable Rate Riders say what those loans re-set to: the initial rate, the index, the margin and the caps on 5,563 active $1M+ loans with a stated first rate change — 384 of them in 2027 and 361 in 2028. The margins, the cap forms that decide the first year, and the 1,346 riders that still name one-year LIBOR.
- ACRIS commercial mortgage search: a broker's guide to the NYC register (2026)
ACRIS indexes every mortgage recorded in Manhattan, the Bronx, Brooklyn and Queens, and it is free. It also indexes the wrong things for a broker: the document, not the loan; the amount, not the maturity; the satisfaction by a number nobody else uses. How to search it by building, by borrower and by lender, what to read in the result list, where the open-data mirror helps, and why no ACRIS search can produce a list of loans coming due.
- 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.
- NYC's 2026 maturity wall, lender by lender: the bank with the most loans coming due is the one pulling back from New York
A data brief on the lenders behind New York City's 2026 maturity wall: 139 commercial mortgages of $5 million or more, $8.70B, whose maturity date is written into the recorded instrument and falls in the next twelve months, ranked by the institution that originated them and bucketed by lender type. One loan, the GM Building's, is a quarter of the dollars; by count the leader is Flagstar Bank, the former New York Community Bank — while it shrinks its New York book, the Fed raises rates and the city freezes stabilized rents.
- Who lends on NYC commercial real estate: the 25 most active lenders (2026)
The lenders behind 14,656 NYC commercial mortgages recorded in the last three years, ranked by what they funded, by borough and property type.
- NYC investor house loans in 2026: 27,000 mortgages over $1M on 1–4 family homes, and when their rates reset
Brooklyn, Queens, the Bronx and Manhattan hold 27,286 active mortgages of $1 million or more on two- to four-family houses and single-family townhouses — $70.8 billion of investor debt that sits on no commercial loan list. We read the recorded Fixed/Adjustable Rate Riders. Here is who lent, when the fixed periods end, and how a broker works the list with the 10-year at 5%.
- NYC's 2026 maturity wall, borough by borough: $5.9B stated, $2.5B already past due
A per-borough data brief on New York City's 2026 commercial mortgage maturity wall — stated maturities only, read from the recorded instruments: 274 loans and $5.9B coming due in 12 months, 166 loans and $2.5B already matured and still open, 13 already carrying a distress filing. Every number traces to the record.
- How to find the owner of a commercial property in NYC (2026)
Find a NYC commercial property owner's name, title, email and phone from public records, even behind an LLC. Four city records, measured on 123,989 loans.
- Why a third of every NYC 'commercial loan' list is somebody's apartment
35% of the mortgages that clear a commercial dollar floor in New York City are condo units, co-ops and one-to-four family houses. Here is why the standard property-centric filter can't see them, the one ACRIS field that can, and what our own data looked like before and after we applied it.
- Blanket mortgages in New York City: how to read a portfolio loan in ACRIS (and why brokers should care)
One loan, many parcels. How blanket mortgages and portfolio loans appear in NYC public records, what a partial release signals, and how Circlemark surfaces 22,000 active portfolio loans across the four ACRIS boroughs.
- How we monitor NYC commercial mortgage maturities for brokers in 2026 (and why ACRIS makes it hard)
Where commercial mortgage maturity data actually comes from, why New York City's public records don't contain a maturity date, and how Circlemark turns recorded documents into a verified, weekly-refreshed list of loans coming due.
All research on this market, with the posts that cover every market.