County · PA
Multifamily lenders in Franklin County, PA
15 lenders made 46 multifamily loans in Franklin County, PA in 2024 and 2025, $43.9M in all. Patriot Credit Union made the most, with 15. The typical loan was about $500K. The county is part of the Chambersburg, 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
- 15
- HMDA,
- Multifamily loans, 2024-25
- 46
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $43.9M
- HMDA,
- Typical loan
- $500K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Franklin County, PA, https://lender.report/lenders-in/pennsylvania/franklin-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| Patriot Credit Union multifamily record | Credit union | Chambersburg, PA | 15 | $15.3M | 10 | 5 | $440K |
| Farmers and Merchants Trust Company of Chambersburg multifamily record | Bank | Chambersburg, PA | 6 | $5.22M | 1 | 5 | $1.2M |
| ACNB Bank multifamily record | Bank | Gettysburg, PA | 5 | $3.04M | 0 | 5 | $460K |
| Middletown Valley Bank multifamily record | Bank | Middletown, MD | 5 | $2.36M | 4 | 1 | $320K |
| United Bank multifamily record | Bank | Fairfax, VA | 3 | $2.52M | 2 | 1 | $680K |
| RF Renovo Management Company, LLC multifamily record | Non-bank | Chicago, IL | 3 | $1.78M | 3 | 0 | $580K |
| Walker & Dunlop, LLC multifamily record | Non-bank | Bethesda, MD | 1 | $5.20M | 1 | 0 | $5.2M |
| Lima One Capital, LLC multifamily record | Non-bank | Greenville, SC | 1 | $2.70M | 1 | 0 | $2.7M |
| QNB Bank multifamily record | Bank | Quakertown, PA | 1 | $2.50M | 0 | 1 | $2.5M |
| CNB Bank, Inc. multifamily record | Bank | Berkeley Springs, WV | 1 | $900K | 0 | 1 | $900K |
| Mid Penn Bank multifamily record | Bank | Millersburg, PA | 1 | $800K | 0 | 1 | $800K |
| Ameriserv Financial Bank multifamily record | Bank | Johnstown, PA | 1 | $500K | 1 | 0 | $500K |
| Horizon Farm Credit, ACA multifamily record | Non-bank | Mechanicsburg, PA | 1 | $480K | 0 | 1 | $480K |
| Woodsboro Bank multifamily record | Bank | Woodsboro, MD | 1 | $480K | 1 | 0 | $480K |
| First National Bank of Pennsylvania multifamily record | Bank | Greenville, PA | 1 | $260K | 0 | 1 | $260K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 35 | 12 |
| $1M to $2.5M | 6 | 4 |
| $2.5M to $5M | 4 | 3 |
| $5M to $10M | 1 | 1 |
| $10M or more | 0 | 0 |
- Lenders made 46 multifamily loans totaling $43.9M in Franklin County, PA in 2024 and 2025. HMDA,
- 24 of the loans were made in 2025 and 22 in 2024. HMDA,
- The typical loan in Franklin County, PA was about $500K, with the middle half between $360K and $980K. HMDA,
- 35 of the loans were under $1M, and 1 were $5M or more. HMDA,
- Lenders reported a median rate of 7.19% on 37 loans in Franklin County, PA, with the middle half between 6.75% and 7.50%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 72%. HMDA,
- 39% of the loans were refinancings and 52% were purchases. HMDA,
- Banks and savings institutions made 25 of the loans, credit unions 15, and non-banks 6. HMDA,
- The five most active lenders made 73.9% of the loans. HMDA,
- 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,
- 8 of the 15 lenders are based in Pennsylvania. The rest are based elsewhere, most often in Maryland, Illinois and South Carolina. HMDA,
- The most common property size was 5 to 24 units, with 42 loans. HMDA,
- Franklin County, PA is part of the Chambersburg, PA metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in Franklin 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.