County · PA
Multifamily lenders in Cumberland County, PA
22 lenders made 64 multifamily loans in Cumberland County, PA in 2024 and 2025, $107.5M in all. Mid Penn Bank made the most, with 9. The typical loan was about $600K. The county is part of the Harrisburg, PA metro area.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 22
- HMDA,
- Multifamily loans, 2024-25
- 64
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $107M
- HMDA,
- Typical loan
- $600K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Cumberland County, PA, https://lender.report/lenders-in/pennsylvania/cumberland-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| Mid Penn Bank multifamily record | Bank | Millersburg, PA | 9 | $5.72M | 6 | 3 | $600K |
| The Bank of Landisburg multifamily record | Bank | Landisburg, PA | 8 | $3.84M | 3 | 5 | $460K |
| Members 1st Credit Union multifamily record | Credit union | Enola, PA | 5 | $1.62M | 1 | 4 | $200K |
| First National Bank of Pennsylvania multifamily record | Bank | Greenville, PA | 4 | $4.56M | 2 | 2 | $700K |
| Americhoice Credit Union multifamily record | Credit union | Mechanicsburg, PA | 4 | $920K | 1 | 3 | $300K |
| Univest Bank and Trust Co. multifamily record | Bank | Souderton, PA | 3 | $3.64M | 2 | 1 | $740K |
| Orrstown Bank multifamily record | Bank | Harrisburg, PA | 3 | $2.52M | 3 | 0 | $780K |
| CBRE Multifamily Capital, Inc. multifamily record | Non-bank | Houston, TX | 2 | $19.0M | 2 | 0 | $11M |
| NewPoint Real Estate Capital multifamily record | Non-bank | Plano, TX | 2 | $10.7M | 0 | 2 | $5.4M |
| First Commonwealth Bank multifamily record | Bank | Indiana, PA | 2 | $3.04M | 1 | 1 | $2.2M |
| Farmers and Merchants Trust Company of Chambersburg multifamily record | Bank | Chambersburg, PA | 2 | $1.46M | 1 | 1 | $1.3M |
| Patriot Credit Union multifamily record | Credit union | Chambersburg, PA | 2 | $1.30M | 0 | 2 | $880K |
| A&D Mortgage LLC multifamily record | Non-bank | Ft. Lauderdale, FL | 2 | $1.18M | 2 | 0 | $940K |
| Fulton Bank, National Association multifamily record | Bank | Lancaster, PA | 2 | $1.12M | 0 | 2 | $600K |
| Middletown Valley Bank multifamily record | Bank | Middletown, MD | 2 | $860K | 2 | 0 | $480K |
| RF Renovo Management Company, LLC multifamily record | Non-bank | Chicago, IL | 2 | $820K | 1 | 1 | $420K |
| ACNB Bank multifamily record | Bank | Gettysburg, PA | 2 | $580K | 2 | 0 | $320K |
| Kish Bank multifamily record | Bank | Belleville, PA | 1 | $14.0M | 1 | 0 | $14M |
| Merchants Bank of Indiana multifamily record | Bank | Carmel, IN | 1 | $12.0M | 0 | 1 | $12M |
| Lument Real Estate Capital multifamily record | Non-bank | Columbus, OH | 1 | $8.00M | 1 | 0 | $8M |
| PGIM Real Estate Agency Financing, LLC multifamily record | Non-bank | Dallas, TX | 1 | $5.20M | 1 | 0 | $5.2M |
| Pennian Bank multifamily record | Bank | Mifflintown, PA | 1 | $980K | 1 | 0 | $980K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 48 | 16 |
| $1M to $2.5M | 5 | 4 |
| $2.5M to $5M | 3 | 2 |
| $5M to $10M | 5 | 4 |
| $10M or more | 3 | 3 |
- Lenders made 64 multifamily loans totaling $107.5M in Cumberland County, PA in 2024 and 2025. HMDA,
- 3 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,
- 34 of the loans were made in 2025 and 30 in 2024. HMDA,
- The typical loan in Cumberland County, PA was about $600K, with the middle half between $340K and $1.3M. HMDA,
- 48 of the loans were under $1M, and 8 were $5M or more. HMDA,
- Lenders reported a median rate of 7.15% on 49 loans in Cumberland County, PA, with the middle half between 6.57% and 7.75%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 66%. HMDA,
- 30% of the loans were refinancings and 59% were purchases. HMDA,
- Banks and savings institutions made 40 of the loans, credit unions 11, and non-banks 10. HMDA,
- The five most active lenders made 46.9% of the loans. HMDA,
- The three most active lenders were Mid Penn Bank with 9, The Bank of Landisburg with 8, and Members 1st Credit Union with 5. HMDA,
- 14 of the 22 lenders are based in Pennsylvania. The rest are based elsewhere, most often in Texas, Florida and Illinois. HMDA,
- The most common property size was 5 to 24 units, with 51 loans. HMDA,
- Cumberland County, PA is part of the Harrisburg-Carlisle, PA metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in Cumberland County, PA
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
- 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
- Changelog
- : 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.
SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.
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
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.