EDITOR'S NOTE : The following list contains contact and business information from many of the nation's top lenders that participated in Apartment Finance Today's survey. Note that each company has a national reach, servicing clients in all corners of the nation, except where otherwise noted.

> > >

Access Commercial Mortgage

Contact: Andrew Hantages, CCIM

Phone: (702) 434-0829

E-mail: AH@accessCM.com

Web:www.accesscm.com

Lending programs offered: Conduit, conventional

Minimum project size (in units): 5

Minimum loan amount: $500,000

Average loan amount: $1.5 million

Arbor Commercial Mortgage, LLC

Contact: Linda Tschinkel, sales and marketing analyst

E-mail: moreinfo@arbor.com

Web:www.arbor.com

Lending programs offered: Conduit, Fannie Mae, FHA-insured, bridge, mezzanine, permanent, construction, Arbor 85 Preferred

Minimum project size (in units): 4

Minimum loan amount: $500,000

ARCS Commercial Mortgage

Contact: Howard Levine, president and CEO

Phone: (800) ASK-ARCS

E-mail: info@arcscommercial.com

Web:www.askARCS.com

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, FHA-insured

Minimum project size (in units): 5

Minimum loan amount: $1 million

Average loan amount: $7 million

Bank of America

Contact: Greg Barnard

Phone: (202) 442-7527

E-mail: greg.barnard@bankofamerica.com

Web:www.bankofamerica.com

Bulls Capital Partners, LLC

Contact: Doug Westfall, senior vice president, production

Phone: (703) 891-7006

E-mail: doug.westfall@bullscapitalpartners.com

Web:www.bullscapitalpartners.com

Lending programs offered: Conduit; Fannie Mae

Minimum project size (in units): 4

Minimum loan amount: $1 million

Average loan amount: $6 million

Business Loan Express

Contact: Dean Shulman, manager, investment property finance

Phone: (646) 723-5140

E-mail: dshulman@blx.net

Web:www.blxonline.com

Lending programs offered: Conduit, bridge loans, high leverage

Minimum loan amount: $400,000

Average loan amount: $2 million

CapitalSource

Contact: Christopher Kelly

Phone: (212) 321-7213

E-mail: ckelly@capitalsource.com

Web:www.capitalsource.com

Lending programs offered: Bridge loans (3-5 years)

Minimum loan amount: $5 million

Average loan amount: $25 million

Capmark Finance, Inc.

Contact: Steven Fayne, senior vice president

Phone: (415) 293-1302

E-mail: steven.fayne@capmark.com

Web:www.capmark.com

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, FHA-insured

CB Richard Ellis

Contact: Brian Stoffers, president

Phone: (713) 787-1900

E-mail: brian.stoffers@cbremelody.com

Web:www.cbre.com/capitalmarkets

Lending programs offered: Conduit, Fannie Mae, Freddie Mac

Minimum loan amount: $1 million

CharterMac

Contact: Justin Ginsberg, managing director

Phone: (212) 521-6369

E-mail: jginsberg@chartermac.com

Web:www.chartermac.com

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, FHA-insured, insurance company, balance sheet

Minimum project size (in units): Varies based on the loan and the project

Citibank

Contact: Tom Lawyer, director, Commercial Real Estate Finance

Phone: (888) 433-7803

Web:www.citibank.com/us/realestategroup/main

Lending programs offered: Conduit

Minimum project size (in units): 5

Minimum loan amount: Approximately $1 million

Citibank Community Development

Contact: Andrew Ditton, director

Phone: (718) 248-4611

Web: www.citigroup.com/citigroup/citizen/community/devgroup.htm

Minimum project size (in units): 5

Minimum loan amount: None

Collateral Real Estate Capital

Contact: John W. Davis, executive managing director/loan production

Phone: (205) 978-1840

E-mail: jdavis@collateral.com

Web:www.collateral.com

Lending programs offered: Conduit, Fannie Mae DUS, Freddie Mac Program Plus, FHA-insured MAP-approved, insurance company correspondent, commercial bank

Minimum loan amount: $1 million

Comerica

Contact: David Gonzalez, vice president, business development

Phone: (818) 379-2966

E-mail: dgonzalez@comerica.com

Web:www.comerica.com

Lending programs offered: Conduit

Minimum project size (in units): 4

Minimum loan amount: $250,000

Average loan amount: $2.5 million

Commercial Mortgage Capital

Contact: Mark Scott

Phone: (973) 316-8999

E-mail: mscott_cmc@yahoo.com

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, insurance company, construction, construction/permanent

Minimum project size (in units): 10

Minimum loan amount: $2 million

Average loan amount: $16 million

CORUS Bank

Contact: Michael G. Stein, executive vice president

Phone: (773) 832-3542

E-mail: mstein@corusbank.com

Web:www.corusbank.com

Minimum loan amount: $20 million

Average loan amount: From $20 to $200 million

Credit Suisse/Column

Contact: Nancy Smith

Phone: (212) 538-1967

E-mail: nancy.smith@colfin.com

Web:www.columnfinancial.com/ MyColumn/index.aspx

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, FHA-insured, affordable housing debt conduit

Minimum project size (in units): 40

Minimum loan amount: $1 million

Average loan amount: $8.5 million

Cushman Rexrode Capital Corp.

Contact: Gabe Shuken, broker

Phone: (925) 988-7200

E-mail: gabe@cushrex.com

Web:www.cushrex.com

Lending programs offered: Interest only, 1-3 years

Minimum project size (in units): Any

Minimum loan amount: $100,000

Average loan amount: $1 million

Geographic area: California

CWCapital

Contact: Michael Berman, president

Phone: (781) 707-9300

Web: www.cwcapital.com

Lending programs offered: Conduit, Fannie Mae, FHA-insured, mezzanine, balance sheet construction, bridge loans

Minimun loan amount: $2 million

Average loan amount: $12 million

Deutsche Bank Commercial Real Estate

Contact: Tobin Cobb, co-head, North America

Phone: (212) 250-6842

E-mail: cre.marketing@db.com

Web:www.db.com/cre

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, FHA-insured

Minimum loan amount: $3 million

Direct Lending Group

Contact: Andy Torrence, president and CEO

Phone: (206) 267-5055

E-mail: andy@dlendinggroup.com

Web:www.dlendinggroup.com

Lending programs offered: Hard money loans

Minimum loan amount: $100,000

Average loan amount: $500,000

Enterprise Community Investments

Contact: Jesse Alfriend, vice president, multifamily mortgage finance

Phone: (410) 964-0552

E-mail: jalfriend@enterprisecommunity.com

Web:www.enterprisecommunity.com

Lending programs offered: Conduit, Fannie Mae

Minimum project size (in units): 15

Minimum loan amount: $750,000

Average loan amount: $25 million

Great Lakes Financial Group

Contact: Carl Corrado

Phone: (216) 861-1300

E-mail: ccorrado@greatlakesfg.com

Web:www.greatlakesfg.com

Lending programs offered: Conduit, Freddie Mac, FHA-insured, insurance company

Minimum project size (in units): 20

Minimum loan amount: $1 million

Average loan amount: $4 million

Geographic area: Mid-Atlantic and North Central

Green Park Financial

Contact: Howard Smith, executive vice president and chief operating officer

Phone: (301) 215-5500

E-mail: hsmith@greenparkfinancial.com

Web:www.greenparkfinancial.com

Lending programs offered: Conduit, Fannie Mae

Average loan amount: $10.7 million

Greystone Servicing Corp.

Contact: Billy Posey, chief executive officer

Phone: (901) 399-7722

E-mail: Bposey@greystoneusa.com

Web:www.greyco.com

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, FHA-insured, bridge loans

Minimum loan amount: No minimum

Average loan amount: $4.7 million

Harbor Point Capital

Contact: Hal Kendrick, president

Phone: (972) 383-2121

E-mail: hkendrick@harborpointcapital.com

Web:www.harborpointcapital.com

Lending programs offered: Fannie Mae

HomeStreet Capital

Contact: Pat Leach, executive vice president, income-property lending director

Phone: (888) 999-7909

E-mail: ip@homestreet.com

Web:www.homestreetcapital.com

Lending programs offered: Conduit, Fannie Mae, insurance company, HomeStreet Bank portfolio

Minimum loan amount: $1 million

Average loan amount: From $3 to 10 million

IMPAC Commercial Capital Corp.

Contact: Rick Davenport, executive vice president

Phone: (949) 475-3777

E-mail: rdavenport@impaccompanies.com

Web:www.impaccommercial.com

Lending programs offered: Small-balance ($500,000–$7.5 million) multifamily and commercial portfolio loans

Minimum loan amount: $500,000

Average loan amount: $1.4 million

KeyBank Real Estate Capital

Contact: John Case

Phone: (216) 689-4924

E-mail: john_e_case@keybank.com

Web:www.key.com/realestatecapital

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, FHA-insured, insurance company, construction & interim, project mezzanine & equity

Minimum project size (in units): no minimum

Minimum loan amount: $500,000

Lancaster Pollard

Contact: Brian Pollard, senior managing director

Phone: (614) 224-8800

E-mail: bpollard@lancasterpollard.com

Web:www.lancasterpollard.com

Lending programs offered: FHA-insured, USDA

Average loan amount: $4.5 million

M&T Realty Capital Corp.

Contact: Tari Flannery, president

Phone: (800) 737-2344

E-mail: RealtyCapital@MandTBank.com

Web:www.MandTRealtyCapital.com

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, FHA-insured

Minimum loan amount: $1 million

Average loan amount: Approximately $6 million

Met-West Commercial Lender

Contact: Matt Williams, branch manager

Phone: (503) 516-5823

E-mail: matt@met-west.com

Contact: Rafael Amaro, regional manager

Phone: (770) 841-8554

E-mail: Rafael@met-west.com

Web:www.met-west.com

Lending programs offered: Conduit

Minimum loan amount: $100,000

Average loan amount: $800,000

MMA Financial

Contact: Gary Mentesana, executive vice president

Phone: (877) 461-4895

E-mail: investments@mmafin.com

Web:www.MMAFin.com

Lending programs offered: Conduit, Fannie Mae, Freddie Mac

Minimum loan amount: $1 million

New York Community Bancorp, Inc.

Contact: James J. Carpenter, senior executive vice president and chief lending officer

Web:www.mynycb.com

Minimum project size (in units): 5

Average loan amount: $3.5 million

Geographic areas: Northeast, Mid-Atlantic

NorthMarq Capital, Inc.

Phone: (952) 356-0100

Web:www.northmarq.com

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, FHA-insured, insurance company

Minimum loan amount: $500,000

Average loan amount: $10 million

Prudential Mortgage Capital Co.

Contact: David Twardock, president

Phone: (888) 263-6800

E-mail: pru_mortgage_capital@prudential.com

Web:www.prudential.com/mortgagecapital

Lending programs offered:  Conduit, Fannie Mae, Freddie Mac, FHA-insured; insurance company

Minimum loan amount: $5 million

Q10 Capital, LLC

Contact: Paul K. Mendenhall

Phone: (801) 323-1088

E-mail: pmendenhall@q10capital.com

Web:www.q10capital.com

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, insurance company

Red Mortgage Capital Group, Inc.

Contact: Mark C. Beisler and James F. Croft, presidents and chief operating officers

Phone: (800) 837-5100

E-mail: financing@redcapitalgroup.com

Web:www.redcapitalgroup.com

Lending programs offered: Conduit, Fannie Mae, FHA-insured

Red Stone Partners, LLC

Contact: Jim Gillespie, senior vice president

Phone: (212) 297-1800

E-mail: jgillespie@redstoneco.com

Web:www.redstoneco.com

Lending programs offered: FHA-insured, proprietary/private label lending and credit enhancement and bond purchase

Minimum project size (in units): 100

Minimum loan amount: $5 million

Average Loan Amount: $12.5 million

Sterling Commercial Capital

Contact: Patricia Opert, vice president

Phone: (203) 366-0320

E-mail: popert@sterlingcommercial.com

Web:www.sterlingcommercialcapital.com

Lending programs offered: Conduit, fixed-rate permanent loans, bridge loans, term loans

Minimum loan amount: $500,000

Average loan amount: $3.5 million

Tremont Realty Capital

Contact: Richard Gallitto, executive director

Phone: (617) 867-0700, x772

E-mail: rgallitto@tremontcapital.com

Web:www.tremontcapital.com

Lending programs offered: Conduit, bridge loans, mezzanine loans

Minimum loan amount: $3 million

Average loan amount: $15 million

U.S. Bank

Contact: Gerald H. Thole, senior vice president

Phone: (651) 604-2685

E-mail: Gerald.thole@usbank.com

Web:www.usbank.com

Lending programs offered:

Minimum project size (in units): 50 (exceptions may be made in all of these categories for repeat clients)

Minimum loan amount: $2 million

Average Loan Amount: $4-5 million

Wachovia Corp.

Contact: Brett Smith

Phone: (704) 383-6315

E-mail: brett.smith@wachovia.com

Web:www.wachovia.com

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, FHA-insured, insurance company

Minimum loan amount: $5 million

Washington Mutual Bank

Contact: Don Brewer, senior vice president, community lending

Phone: (206) 461-2503

E-mail: d.brewer@wamu.net

Web:www.wamu.com

Lending programs offered: Portfolio construction and permanent loans, credit enhancement and private-placement tax-exempt bonds

Minimum project size (in units): None

Minimum loan amount: $500,000

Average Loan Amount: $3 million

Wells Fargo Multifamily Capital

Phone: (877) 734-5592

E-mail: wfmcinfo@wellsfargo.com

Web:www.wellsfargo.com/wfcm

Lending programs offered: Conduit, Fannie Mae, Freddie Mac, FHA-insured