Private & Hard Money Lenders in Lancaster County, PA
9 lenders funded 13 short-term investment-property loans in Lancaster County in 2024 at a median rate of 11.75%. Ranked by verified loan volume — not paid placement.
Lancaster County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 4 | 11.75% | 4 |
| 2 | Hershey Federal Credit Union | 2 | — | 5 |
| 3 | Univest Bank and Trust Co. | 1 | — | 107 |
| 4 | FIRST CITIZENS COMMUNITY BANK | 1 | — | 5 |
| 5 | ACNB BANK | 1 | — | 4 |
| 6 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 4 |
| 7 | Easy Street Capital LLC | 1 | — | — |
| 8 | RPE Home, Inc | 1 | — | — |
| 9 | TRADITIONS BANK | 1 | — | — |
DSCR / long-term rental lenders in Lancaster 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
9 lenders reported short-term, business-purpose investment loans in Lancaster County in 2024 verified lending records — 13 loans totaling $2.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Lancaster County's active lenders was 11.75% in 2024. 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.