--- title: Lenders in Hagerstown, MD-WV: 33 Made Multifamily Loans url: https://lender.report/lenders-in/hagerstown-md-wv/ license: https://lender.report/license/ --- Metro area ยท MD # Lenders in Hagerstown, MD-WV 33 lenders made 86 multifamily loans in the Hagerstown-Martinsburg, MD-WV metro area in 2024 and 2025, $268.8M in all. United Bank made the most, with 10. The typical loan was about $580K. **Evidence** Multifamily loans placed in the metro area, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 33 HMDA, 2025 **Multifamily loans, 2024-25** 86 HMDA, 2025 Manufactured-home parks excluded **Dollars** $269M HMDA, 2025 **Typical loan** $580K HMDA, 2025 Cite this Source: The Lender Report, Lenders in Hagerstown, MD-WV, https://lender.report/lenders-in/hagerstown-md-wv/, data as of December 31, 2025. ## Describe a deal in Hagerstown, MD-WV 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 Hagerstown, MD-WV](https://lender.report/comps/?lane=multifamily&metro=25180)[A lender in Hagerstown, MD-WV? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | | --- | --- | --- | --- | --- | --- | --- | | [United Bank](https://lender.report/lender/united-bank-va/) [multifamily record](https://lender.report/lender/united-bank-va/multifamily/) | Bank | Fairfax, VA | 10 | $17.6M | 7 | 3 | | [Jefferson Security Bank](https://lender.report/lender/jefferson-security-bank-wv/) [multifamily record](https://lender.report/lender/jefferson-security-bank-wv/multifamily/) | Bank | Shepherdstown, WV | 10 | $7.95M | 3 | 7 | | [ACNB Bank](https://lender.report/lender/acnb-bank-pa/) [multifamily record](https://lender.report/lender/acnb-bank-pa/multifamily/) | Bank | Gettysburg, PA | 9 | $7.04M | 2 | 7 | | [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 | 7 | $6.03M | 5 | 2 | | [Potomac Bank](https://lender.report/lender/potomac-bank-wv/) [multifamily record](https://lender.report/lender/potomac-bank-wv/multifamily/) | Bank | Charles Town, WV | 5 | $4.96M | 1 | 4 | | [CNB Bank, Inc.](https://lender.report/lender/cnb-bank-wv/) [multifamily record](https://lender.report/lender/cnb-bank-wv/multifamily/) | Bank | Berkeley Springs, WV | 5 | $3.42M | 4 | 1 | | [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 | 3 | $46.0M | 2 | 1 | | [CBRE Multifamily Capital, Inc.](https://lender.report/lender/cbre-multifamily-capital-tx/) [multifamily record](https://lender.report/lender/cbre-multifamily-capital-tx/multifamily/) | Non-bank | Houston, TX | 3 | $40.0M | 2 | 1 | | [Berkeley Point Capital LLC](https://lender.report/lender/berkeley-point-capital-ma/) [multifamily record](https://lender.report/lender/berkeley-point-capital-ma/multifamily/) | Non-bank | Boston, MA | 2 | $28.5M | 1 | 1 | | [Bank Of Clarke](https://lender.report/lender/bank-of-clarke-va/) [multifamily record](https://lender.report/lender/bank-of-clarke-va/multifamily/) | Bank | Berryville, VA | 2 | $4.10M | 2 | 0 | | [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 | 2 | $2.64M | 1 | 1 | | [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 | 2 | $1.10M | 0 | 2 | | [Woodsboro Bank](https://lender.report/lender/woodsboro-bank-md/) [multifamily record](https://lender.report/lender/woodsboro-bank-md/multifamily/) | Bank | Woodsboro, MD | 2 | $1.02M | 2 | 0 | | [City National Bank of West Virginia](https://lender.report/lender/city-national-bank-of-west-virginia-wv/) [multifamily record](https://lender.report/lender/city-national-bank-of-west-virginia-wv/multifamily/) | Bank | Charleston, WV | 2 | $900K | 1 | 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 | 2 | $740K | 0 | 2 | HMDA, 2025 [All 33 lenders in Hagerstown, MD-WV, by loan size](https://lender.report/multifamily-lenders/hagerstown-md-wv/) | County | Loans | Dollars | Lenders | | --- | --- | --- | --- | | [Washington County, MD](https://lender.report/lenders-in/maryland/washington-county/) | 43 | $102M | 22 | | [Berkeley County, WV](https://lender.report/lenders-in/west-virginia/berkeley-county/) | 37 | $136M | 16 | 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 | 54 | | $1M to $2.5M | 17 | | $2.5M to $5M | 4 | | $5M to $10M | 1 | | $10M or more | 10 | HMDA, 2025 - Lenders made 86 multifamily loans totaling $268.8M in Hagerstown, MD-WV in 2024 and 2025. HMDA, 2025 - 43 of the loans were made in 2025 and 43 in 2024. HMDA, 2025 - The typical loan in Hagerstown, MD-WV was about $580K, with the middle half between $380K and $1.7M. HMDA, 2025 - 54 of the loans were under $1M, and 11 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 6.85% on 52 loans in Hagerstown, MD-WV, with the middle half between 6.19% and 7.25%. HMDA, 2025 - The median term was 10 years. HMDA, 2025 - The median loan to value was 70%. HMDA, 2025 - 40% of the loans were refinancings and 52% were purchases. HMDA, 2025 - Banks and savings institutions made 61 of the loans, credit unions 8, and non-banks 17. HMDA, 2025 - The five most active lenders made 47.7% of the loans. HMDA, 2025 - The three most active lenders were United Bank with 10, Jefferson Security Bank with 10, and ACNB Bank with 9. HMDA, 2025 - 4 of the 33 lenders are based in Maryland. The rest are based elsewhere, most often in Pennsylvania, West Virginia and Virginia. HMDA, 2025 - The most common property size was 5 to 24 units, with 67 loans. HMDA, 2025 - 2 counties in the metro area have loans on record, and Washington County, MD has the most, with 43. HMDA, 2025 ## How this list is defined **Measure** Multifamily loans made in the Hagerstown, MD-WV 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.