Jillian M. Dunbar

Partner Rochester

Jillian represents financial institutions in a wide variety of commercial lending transactions with a focus on affordable housing and community development deals and middle market lending.

Jillian has significant experience counseling lenders on transactions involving federal and state Low-Income Housing Tax Credits, historic tax credits and brownfield tax credits, including construction loans, private bond purchases, letter of credit issuances, and construction lending under Freddie Mac and Fannie Mae programs. Jillian also frequently works on traditional middle market deals that are secured by real estate and Uniform Commercial Code collateral.

Jillian represents lenders at all stages of loan transactions including structuring the transaction, reviewing complex real estate structures such as condominiums and ground leases, analyzing title and lien law issues, drafting and negotiating loan documents, working with governmental agencies, municipalities and housing authorities, and closing the loan.


Honors & Awards

  • The Daily Record and Rochester Business Journal Excellence in Law, Top Women in Law, 2024
  • Named to The Daily Record’s Up & Coming Attorneys, 2019
  • Named to Best Lawyers: Ones to Watch in America®
Awards & Certifications

Education & Admissions

  • William & Mary Law School, J.D., summa cum laude, Order of the Coif, 2013
  • Syracuse University, B.A., summa cum laude, 2009
Admitted to Practice
  • New York
  • Massachusetts


Representative Matters
  • Representation of a national banking association in connection with the purchase of construction and permanent bonds issued by a housing authority.
  • Representation of an initial funding lender in a tax exempt loan transaction originated by a state housing finance corporation and anticipated permanent take out by a Freddie Mac seller servicer.
  • Representation of a financial institution in connection with a construction loan under the Fannie Mae MTEB program.
  • Representation of a financial institution in a letter of credit enhancement of a state housing authority’s public issuance of housing revenue bonds.

Activities & Professional Associations

Present Activities

  • Bivona Child Advocacy Center, Cheers for Children Planning Committee, Member
  • YWCA of Rochester & Monroe County, Board of Directors

Past Activities

  • Legal Intern, Honorable Lynn N. Hughes, U.S. District Court, Southern District of Texas, 2011
  • Lollypop Farm, Development Committee, Member

Professional Associations

  • American Bar Association
    • Forum on Affordable Housing and Community Development Law
    • Real Property, Trust and Estate Law Section
    • Young Lawyers Division
  • Florida Housing Coalition
  • Housing Association of Nonprofit Developers (HAND)
  • Monroe County Bar Association
    • Business Law Section
    • Young Lawyers Section
  • New York State Bar Association