--- title: Multifamily Lenders in Northumberland County, PA: 12 Made Loans url: https://lender.report/lenders-in/pennsylvania/northumberland-county/ license: https://lender.report/license/ --- County ยท PA # Multifamily lenders in Northumberland County, PA 12 lenders made 34 multifamily loans in Northumberland County, PA in 2024 and 2025, $11.3M in all. Service 1st Credit Union made the most, with 8. The typical loan was about $260K. **Evidence** Multifamily loans placed in the county, HMDA **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 12 HMDA, 2025 **Multifamily loans, 2024-25** 34 HMDA, 2025 Manufactured-home parks excluded **Dollars** $11.3M HMDA, 2025 **Typical loan** $260K HMDA, 2025 Cite this Source: The Lender Report, Multifamily lenders in Northumberland County, PA, https://lender.report/lenders-in/pennsylvania/northumberland-county/, data as of December 31, 2025. ## Describe a deal in Northumberland County, PA See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show multifamily loans in Northumberland County, PA](https://lender.report/comps/?lane=multifamily&state=PA&county=42097)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan | | --- | --- | --- | --- | --- | --- | --- | --- | | [Service 1st Credit Union](https://lender.report/lender/service-1st-credit-union-pa/) [multifamily record](https://lender.report/lender/service-1st-credit-union-pa/multifamily/) | Credit union | Danville, PA | 8 | $1.88M | 3 | 5 | $260K | | [MC Credit Union](https://lender.report/lender/mc-credit-union-pa/) [multifamily record](https://lender.report/lender/mc-credit-union-pa/multifamily/) | Credit union | Danville, PA | 5 | $1.10M | 4 | 1 | $280K | | [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 | 3 | $1.32M | 1 | 2 | $500K | | [Central Penn Bank & Trust](https://lender.report/lender/central-penn-bank-and-trust-pa/) [multifamily record](https://lender.report/lender/central-penn-bank-and-trust-pa/multifamily/) | Bank | Mifflinburg, PA | 3 | $860K | 1 | 2 | $320K | | [Journey Bank](https://lender.report/lender/journey-bank-pa/) [multifamily record](https://lender.report/lender/journey-bank-pa/multifamily/) | Bank | Bloomsburg, PA | 3 | $820K | 1 | 2 | $260K | | [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 | 2 | $620K | 0 | 2 | $460K | | [First National Bank of America](https://lender.report/lender/first-national-bank-of-america-mi/) [multifamily record](https://lender.report/lender/first-national-bank-of-america-mi/multifamily/) | Bank | East Lansing, MI | 1 | $2.00M | 1 | 0 | $2M | | [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 | $700K | 1 | 0 | $700K | | [Kish Bank](https://lender.report/lender/kish-bank-pa/) [multifamily record](https://lender.report/lender/kish-bank-pa/multifamily/) | Bank | Belleville, PA | 1 | $500K | 1 | 0 | $500K | | [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 | 1 | $260K | 1 | 0 | $260K | | [Fulton Bank, National Association](https://lender.report/lender/fulton-bank-pa/) [multifamily record](https://lender.report/lender/fulton-bank-pa/multifamily/) | Bank | Lancaster, PA | 1 | $95.0K | 1 | 0 | $95K | | [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 | 1 | $85.0K | 1 | 0 | $85K | HMDA, 2025 [Check a deal in Northumberland County, PA in Loan Comps](https://lender.report/comps/?lane=multifamily&state=PA&county=42097) | Loan size | Loans | Lenders | | --- | --- | --- | | Under $1M | 33 | 11 | | $1M to $2.5M | 1 | 1 | | $2.5M to $5M | 0 | 0 | | $5M to $10M | 0 | 0 | | $10M or more | 0 | 0 | HMDA, 2025 - Lenders made 34 multifamily loans totaling $11.3M in Northumberland County, PA in 2024 and 2025. HMDA, 2025 - 4 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 - 18 of the loans were made in 2025 and 16 in 2024. HMDA, 2025 - The typical loan in Northumberland County, PA was about $260K, with the middle half between $160K and $360K. HMDA, 2025 - 33 of the loans were under $1M, and 0 were $5M or more. HMDA, 2025 - Lenders reported a median rate of 7.50% on 22 loans in Northumberland County, PA, with the middle half between 7.00% and 8.00%. HMDA, 2025 - The median term was 10 years. HMDA, 2025 - The median loan to value was 75%. HMDA, 2025 - 38% of the loans were refinancings and 56% were purchases. HMDA, 2025 - Banks and savings institutions made 17 of the loans, credit unions 13, and non-banks 0. HMDA, 2025 - The five most active lenders made 64.7% of the loans. HMDA, 2025 - The three most active lenders were Service 1st Credit Union with 8, MC Credit Union with 5, and Citizens & Northern Bank with 3. HMDA, 2025 - 11 of the 12 lenders are based in Pennsylvania. The rest are based elsewhere, most often in Michigan. HMDA, 2025 - The most common property size was 5 to 24 units, with 31 loans. HMDA, 2025 ## How this list is defined **Measure** Multifamily loans made in Northumberland 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](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. 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](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.