Business and

Real Estate Loans

For many companies, access to credit is the single most important factor in establishing a banking relationship. No matter what their size, businesses depend on outside sources of capital to operate, develop and expand. Albank understands the importance of providing a speedy and reasonable response to your credit needs. Our wide range of lending products, coupled with fifty years of experience working with family owned and operated businesses, means that we can almost always find the right loan package for you. A partial list of our loan types is listed below.

Loans Types

  • Business Loans
  • Real Estate Loans on Multifamily, Office, Retail, Industrial and Mixed Use Properties
  • Construction Loans




NMLS Notice

In accordance with the requirements of the Notice and Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act) the following is provided for your information       

  •  If you apply for any mortgage loan with Albany Bank & Trust Co., N.A. the Mortgage Loan Officer (MLO) will provide you with his Mortgage Loan Officer ID, as registered with the Nationwide Mortgage Licensing System and Registry (NMLS).
  • As a customer you have the right to log into NMLS sites, Consumer Portal to determine if the MLO you are working with has ever had any complaints of judgments, placed against him/her for any financial service related matters.
  • You may obtain this information by going to the NMLS consumer/compliance Access website: and follow the instructions. You will need the MLO Name and MOL ID if you are seeking information.


Albany Bank & Trust Co., N.A. number: 1197817

Patrick Mulcahy MLO Number: disclosed upon request




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External Transfers

Securely transfer money between your Albank account and your accounts at other financial institutions.

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