--- title: Lenders in Lancaster, PA: 32 Made Multifamily Loans in 2024-25 url: https://lender.report/lenders-in/lancaster-pa/ license: https://lender.report/license/ --- Metro area ยท PA # Lenders in Lancaster, PA 32 lenders made 124 multifamily loans in the Lancaster, PA metro area in 2024 and 2025, $323.1M in all. Bank of Bird-in-Hand made the most, with 23. 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** 32 HMDA, 2025 **Multifamily loans, 2024-25** 124 HMDA, 2025 Manufactured-home parks excluded **Dollars** $323M HMDA, 2025 **Typical loan** $580K HMDA, 2025 Cite this Source: The Lender Report, Lenders in Lancaster, PA, https://lender.report/lenders-in/lancaster-pa/, data as of December 31, 2025. ## Describe a deal in Lancaster, 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 Lancaster, PA](https://lender.report/comps/?lane=multifamily&metro=29540)[A lender in Lancaster, PA? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | | --- | --- | --- | --- | --- | --- | --- | | [Bank of Bird-in-Hand](https://lender.report/lender/bank-of-bird-in-hand-pa/) [multifamily record](https://lender.report/lender/bank-of-bird-in-hand-pa/multifamily/) | Bank | Bird In Hand, PA | 23 | $16.4M | 12 | 11 | | [Univest Bank and Trust Co.](https://lender.report/lender/univest-bank-and-trust-pa/) [multifamily record](https://lender.report/lender/univest-bank-and-trust-pa/multifamily/) | Bank | Souderton, PA | 17 | $12.7M | 11 | 6 | | [The Ephrata National Bank](https://lender.report/lender/ephrata-national-bank-pa/) [multifamily record](https://lender.report/lender/ephrata-national-bank-pa/multifamily/) | Bank | Ephrata, PA | 9 | $7.86M | 5 | 4 | | [Members 1st Credit Union](https://lender.report/lender/members-1st-credit-union-pa/) [multifamily record](https://lender.report/lender/members-1st-credit-union-pa/multifamily/) | Credit union | Enola, PA | 8 | $14.4M | 5 | 3 | | [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 | 6 | $52.5M | 2 | 4 | | [ACNB Bank](https://lender.report/lender/acnb-bank-pa/) [multifamily record](https://lender.report/lender/acnb-bank-pa/multifamily/) | Bank | Gettysburg, PA | 5 | $5.94M | 4 | 1 | | [Orrstown Bank](https://lender.report/lender/orrstown-bank-pa/) [multifamily record](https://lender.report/lender/orrstown-bank-pa/multifamily/) | Bank | Harrisburg, PA | 5 | $2.52M | 2 | 3 | | [Fulton Bank, National Association](https://lender.report/lender/fulton-bank-pa/) [multifamily record](https://lender.report/lender/fulton-bank-pa/multifamily/) | Bank | Lancaster, PA | 5 | $1.58M | 4 | 1 | | [Jonestown Bank and Trust Company, of Jonestown, Pennsylvania](https://lender.report/lender/jonestown-bank-and-trust-company-of-jonestown-pennsylvania-pa/) [multifamily record](https://lender.report/lender/jonestown-bank-and-trust-company-of-jonestown-pennsylvania-pa/multifamily/) | Bank | Jonestown, PA | 4 | $2.40M | 3 | 1 | | [Citizens & Northern Bank](https://lender.report/lender/citizens-and-northern-bank-pa/) [multifamily record](https://lender.report/lender/citizens-and-northern-bank-pa/multifamily/) | Bank | Wellsboro, PA | 4 | $2.38M | 1 | 3 | | [First Citizens Community Bank](https://lender.report/lender/first-citizens-community-bank-pa/) [multifamily record](https://lender.report/lender/first-citizens-community-bank-pa/multifamily/) | Bank | Mansfield, PA | 4 | $2.31M | 1 | 3 | | [S&T Bank](https://lender.report/lender/s-and-t-bank-pa/) [multifamily record](https://lender.report/lender/s-and-t-bank-pa/multifamily/) | Bank | Indiana, PA | 3 | $2.72M | 2 | 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 | 3 | $1.24M | 3 | 0 | | [Berkadia Commercial Mortgage](https://lender.report/lender/berkadia-commercial-mortgage-pa/) [multifamily record](https://lender.report/lender/berkadia-commercial-mortgage-pa/multifamily/) | Non-bank | Ambler, PA | 2 | $41.0M | 1 | 1 | | [First Commonwealth Bank](https://lender.report/lender/first-commonwealth-bank-pa/) [multifamily record](https://lender.report/lender/first-commonwealth-bank-pa/multifamily/) | Bank | Indiana, PA | 2 | $880K | 1 | 1 | HMDA, 2025 [All 32 lenders in Lancaster, PA, by loan size](https://lender.report/multifamily-lenders/lancaster-pa/) | County | Loans | Dollars | Lenders | | --- | --- | --- | --- | | [Lancaster County, PA](https://lender.report/lenders-in/pennsylvania/lancaster-county/) | 122 | $281M | 31 | 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 | 85 | | $1M to $2.5M | 21 | | $2.5M to $5M | 4 | | $5M to $10M | 2 | | $10M or more | 12 | HMDA, 2025 - Lenders made 124 multifamily loans totaling $323.1M in Lancaster, PA in 2024 and 2025. HMDA, 2025 - 7 of these loans were made by lenders that have since merged or closed. They are counted in the totals here and appear in no lender's row. HMDA, 2025 - 68 of the loans were made in 2025 and 56 in 2024. HMDA, 2025 - The typical loan in Lancaster, PA was about $580K, with the middle half between $400K and $1.3M. HMDA, 2025 - 85 of the loans were under $1M, and 14 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 7.10% on 88 loans in Lancaster, PA, with the middle half between 6.58% and 7.50%. HMDA, 2025 - The median term was 10 years. HMDA, 2025 - The median loan to value was 64%. HMDA, 2025 - 45% of the loans were refinancings and 44% were purchases. HMDA, 2025 - Banks and savings institutions made 93 of the loans, credit unions 10, and non-banks 14. HMDA, 2025 - The five most active lenders made 50.8% of the loans. HMDA, 2025 - The three most active lenders were Bank of Bird-in-Hand with 23, Univest Bank and Trust Co. with 17, and The Ephrata National Bank with 9. HMDA, 2025 - 21 of the 32 lenders are based in Pennsylvania. The rest are based elsewhere, most often in New York, Colorado and District of Columbia. HMDA, 2025 - The most common property size was 5 to 24 units, with 100 loans. HMDA, 2025 - 1 county in the metro area has loans on record, and Lancaster County, PA has the most, with 122. HMDA, 2025 ## How this list is defined **Measure** Multifamily loans made in the Lancaster, 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.