Private & Hard Money Lenders in Cumberland County, PA
6 lenders funded 18 short-term investment-property loans in Cumberland County in 2024 at a median rate of 11.75%. Ranked by verified loan volume — not paid placement.
Cumberland County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Mid Penn Bank | 8 | 8.50% | 11 |
| 2 | KIAVI FUNDING, INC. | 5 | 11.75% | 2 |
| 3 | Dominion Financial Services, LLC | 2 | — | — |
| 4 | Merchants Bank of Indiana | 1 | — | — |
| 5 | PEOPLESBANK, A CODORUS VALLEY | 1 | — | — |
| 6 | PLANET MANAGMENT GROUP, LLC | 1 | — | — |
DSCR / long-term rental lenders in Cumberland County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
6 lenders reported short-term, business-purpose investment loans in Cumberland County in 2024 verified lending records — 18 loans totaling $15.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Cumberland County's active lenders was 11.75% in 2024, with per-lender medians ranging from 8.50% to 11.75%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.