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Katherine H. Karl


Rochester, NY

(585) 258-2821


Kate is an active presence in both the preservation and development of our local community. As chair of our Banking Law Practice Group, her legal expertise extends to commercial real estate, development and finance. She works with commercial lenders to structure mortgage and asset-based loan transactions, and to handle environmental issues in a practical manner. She has broad experience representing commercial owners, developers and a national retailer in all aspects of acquisitions, sales, construction, development and lease negotiations.

Tackling zoning and land use issues and environmental concerns are a part of Kate’s everyday practice. She also represents institutional lenders in connection with a broad variety of loans, including real estate secured financing, transactions with industrial development agencies and with Small Business Administration involvement, term loans and lines of credit.

A former law clerk to the New York State Supreme Court, Appellate Division, Third Department, Kate has practiced law in Rochester since 1988.


Union University at Albany Law School, J.D. (cum laude)

Bucknell University, B.A.
(magna cum laude)


New York State


US District Courts - Western District of NY

​US Bankruptcy Court - Western District of NY


As an active board member for both The Landmark Society of Western New York, Inc., and Rochester Downtown Development Corporation, Kate remains involved in the vital decisions affecting the development of our region. Kate is also a Board member of both Providence Housing and Family Promise of Greater Rochester (formerly known as Rochester Area Interfaith Hospitality Network (RAIHN)), which provides emergency housing services, eviction prevention, and aftercare management to families experiencing homelessness.


Kate has been recognized in each of the 2013-2023 editions of Best Lawyers in America® for her work in Real Estate Law, Banking and Finance Law, and Commercial Finance Law, including being honored as the 2018 Rochester “Lawyer of the Year” in Real Estate Law, and was recognized in its 2023 edition for Banking & Finance and Real Estate Law. A 2007-2013 and 2017-2022 Upstate New York Super Lawyer®, Kate was also named one of the “Top Women in Law” in 2014 by The Daily Record, an award which recognized the outstanding accomplishments of women attorneys who make notable contributions to the legal profession, while inspiring a positive change in the community in which they live and work.

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