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investment property lenders · HMDA 2023–2025

Investment property lenders in Cumberland County, Pennsylvania

Fat Boy Data analyzed investment property mortgage activity in Cumberland County, Pennsylvania to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,049 applications were decided by 177 lenders between 2023 and 2025.

Cumberland County at a glance

177Active lenders12 with 20+ decisions
92.4%Market approval rate969 of 1,049 decided
$195KTypical loanmedian lender, $10K brackets
96%Borrower take-up932 loans funded

How Cumberland County compares

Approval rate compared
Cumberland County92.4%Pennsylvania87.8%All 616 counties87.5%
Typical loan compared
Cumberland County$195KPennsylvania$175KAll 616 counties$255K

What the data shows

First National Bank of Pennsylvania made the most investment property mortgages in Cumberland County, PA, 57 of them.

Orrstown Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 33.

The typical investment property mortgage here is $195K, 11% larger than the Pennsylvania typical of $175K.

Approval rate of all 12 lenders with 20+ decisions here
0%25%50%75%100%First National Bank of Pennsylvania: 86% approved of 66United Wholesale Mortgage, LLC: 91% approved of 44Rocket Mortgage, LLC: 91% approved of 23Members 1St: 91% approved of 35Pennymac Loan Services, LLC: 94% approved of 31Farmers and Merchants Trust Company of Chambersburg: 94% approved of 35S&T Bank: 96% approved of 47Mid Penn Bank: 98% approved of 45Orrstown Bank: 100% approved of 33The Bank of Landisburg: 100% approved of 32Pennian Bank: 100% approved of 30Keystone Funding, Inc.: 100% approved of 21

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Investment property lenders in Cumberland County

LenderApprovalApprovedTaken upTypical loanLoans made
1First National Bank of Pennsylvania86%57 / 66100%$245K57
2S&T Bank96%45 / 4798%$205K44
3Mid Penn Bank98%44 / 45100%$175K44
4United Wholesale Mortgage, LLCBroker only91%40 / 4498%$195K39
5Members 1St91%32 / 35100%$185K32

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 172 more lenders.

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You are seeing the 5 largest investment property mortgage lenders in Cumberland County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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