--- title: Lenders in Chambersburg, PA: 15 Made Multifamily Loans url: https://lender.report/lenders-in/chambersburg-pa/ license: https://lender.report/license/ --- Metro area ยท PA # Lenders in Chambersburg, PA 15 lenders made 46 multifamily loans in the Chambersburg, PA metro area in 2024 and 2025, $43.9M in all. Patriot Credit Union made the most, with 15. The typical loan was about $500K. **Evidence** Multifamily loans placed in the metro area, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 15 HMDA, 2025 **Multifamily loans, 2024-25** 46 HMDA, 2025 Manufactured-home parks excluded **Dollars** $43.9M HMDA, 2025 **Typical loan** $500K HMDA, 2025 Cite this Source: The Lender Report, Lenders in Chambersburg, PA, https://lender.report/lenders-in/chambersburg-pa/, data as of December 31, 2025. ## Describe a deal in Chambersburg, PA This page lists who has made multifamily loans here. Loan Comps shows who has made a loan like yours, with the loans to prove it. [Start with a deal in Chambersburg, PA](https://lender.report/comps/?lane=multifamily&metro=16540)[A lender in Chambersburg, PA? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | | --- | --- | --- | --- | --- | --- | --- | | [Patriot Credit Union](https://lender.report/lender/patriot-credit-union-pa/) [multifamily record](https://lender.report/lender/patriot-credit-union-pa/multifamily/) | Credit union | Chambersburg, PA | 15 | $15.3M | 10 | 5 | | [Farmers and Merchants Trust Company of Chambersburg](https://lender.report/lender/farmers-and-merchants-trust-company-of-chambersburg-pa/) [multifamily record](https://lender.report/lender/farmers-and-merchants-trust-company-of-chambersburg-pa/multifamily/) | Bank | Chambersburg, PA | 6 | $5.22M | 1 | 5 | | [ACNB Bank](https://lender.report/lender/acnb-bank-pa/) [multifamily record](https://lender.report/lender/acnb-bank-pa/multifamily/) | Bank | Gettysburg, PA | 5 | $3.04M | 0 | 5 | | [Middletown Valley Bank](https://lender.report/lender/middletown-valley-bank-md/) [multifamily record](https://lender.report/lender/middletown-valley-bank-md/multifamily/) | Bank | Middletown, MD | 5 | $2.36M | 4 | 1 | | [United Bank](https://lender.report/lender/united-bank-va/) [multifamily record](https://lender.report/lender/united-bank-va/multifamily/) | Bank | Fairfax, VA | 3 | $2.52M | 2 | 1 | | [RF Renovo Management Company, LLC](https://lender.report/lender/rf-renovo-management-il/) [multifamily record](https://lender.report/lender/rf-renovo-management-il/multifamily/) | Non-bank | Chicago, IL | 3 | $1.78M | 3 | 0 | | [Walker & Dunlop, LLC](https://lender.report/lender/walker-and-dunlop-md/) [multifamily record](https://lender.report/lender/walker-and-dunlop-md/multifamily/) | Non-bank | Bethesda, MD | 1 | $5.20M | 1 | 0 | | [Lima One Capital, LLC](https://lender.report/lender/lima-one-capital-sc/) [multifamily record](https://lender.report/lender/lima-one-capital-sc/multifamily/) | Non-bank | Greenville, SC | 1 | $2.70M | 1 | 0 | | [QNB Bank](https://lender.report/lender/qnb-bank-pa/) [multifamily record](https://lender.report/lender/qnb-bank-pa/multifamily/) | Bank | Quakertown, PA | 1 | $2.50M | 0 | 1 | | [CNB Bank, Inc.](https://lender.report/lender/cnb-bank-wv/) [multifamily record](https://lender.report/lender/cnb-bank-wv/multifamily/) | Bank | Berkeley Springs, WV | 1 | $900K | 0 | 1 | | [Mid Penn Bank](https://lender.report/lender/mid-penn-bank-pa/) [multifamily record](https://lender.report/lender/mid-penn-bank-pa/multifamily/) | Bank | Millersburg, PA | 1 | $800K | 0 | 1 | | [Ameriserv Financial Bank](https://lender.report/lender/ameriserv-financial-bank-pa/) [multifamily record](https://lender.report/lender/ameriserv-financial-bank-pa/multifamily/) | Bank | Johnstown, PA | 1 | $500K | 1 | 0 | | [Horizon Farm Credit, ACA](https://lender.report/lender/horizon-farm-credit-aca-pa/) [multifamily record](https://lender.report/lender/horizon-farm-credit-aca-pa/multifamily/) | Non-bank | Mechanicsburg, PA | 1 | $480K | 0 | 1 | | [Woodsboro Bank](https://lender.report/lender/woodsboro-bank-md/) [multifamily record](https://lender.report/lender/woodsboro-bank-md/multifamily/) | Bank | Woodsboro, MD | 1 | $480K | 1 | 0 | | [First National Bank of Pennsylvania](https://lender.report/lender/first-national-bank-of-pennsylvania-pa/) [multifamily record](https://lender.report/lender/first-national-bank-of-pennsylvania-pa/multifamily/) | Bank | Greenville, PA | 1 | $260K | 0 | 1 | HMDA, 2025 [All 15 lenders in Chambersburg, PA, by loan size](https://lender.report/multifamily-lenders/chambersburg-pa/) | County | Loans | Dollars | Lenders | | --- | --- | --- | --- | | [Franklin County, PA](https://lender.report/lenders-in/pennsylvania/franklin-county/) | 46 | $44.1M | 15 | HMDA, 2025 A county is listed for a year only when the public file holds 5 or more multifamily loans there that year. | Loan size | Loans | | --- | --- | | Under $1M | 35 | | $1M to $2.5M | 6 | | $2.5M to $5M | 4 | | $5M to $10M | 1 | | $10M or more | 0 | HMDA, 2025 - Lenders made 46 multifamily loans totaling $43.9M in Chambersburg, PA in 2024 and 2025. HMDA, 2025 - 24 of the loans were made in 2025 and 22 in 2024. HMDA, 2025 - The typical loan in Chambersburg, PA was about $500K, with the middle half between $360K and $980K. HMDA, 2025 - 35 of the loans were under $1M, and 1 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 7.19% on 37 loans in Chambersburg, PA, with the middle half between 6.75% and 7.50%. HMDA, 2025 - The median term was 10 years. HMDA, 2025 - The median loan to value was 72%. HMDA, 2025 - 39% of the loans were refinancings and 52% were purchases. HMDA, 2025 - Banks and savings institutions made 25 of the loans, credit unions 15, and non-banks 6. HMDA, 2025 - The five most active lenders made 73.9% of the loans. HMDA, 2025 - The three most active lenders were Patriot Credit Union with 15, Farmers and Merchants Trust Company of Chambersburg with 6, and ACNB Bank with 5. HMDA, 2025 - 8 of the 15 lenders are based in Pennsylvania. The rest are based elsewhere, most often in Maryland, Illinois and South Carolina. HMDA, 2025 - The most common property size was 5 to 24 units, with 42 loans. HMDA, 2025 - 1 county in the metro area has loans on record, and Franklin County, PA has the most, with 46. HMDA, 2025 ## How this list is defined **Measure** Multifamily loans made in the Chambersburg, PA metro area **Period** 2024 and 2025 **Formula** Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the metro area, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans there. **Order** Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order. **As of** 2025 **Source** [HMDA](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: First published, with the data built on this date. ## What we don't know - Whether any of these lenders is taking new loans today. - What they charge or require beyond the rate and term that HMDA reports. - Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only. A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count. HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.