Private & Hard Money Lenders in Lycoming County, PA
3 lenders funded 23 short-term investment-property loans in Lycoming County in 2024 at a median rate of 8.00%. Ranked by verified loan volume — not paid placement.
Lycoming County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Journey Bank | 16 | 7.75% | 84 |
| 2 | JERSEY SHORE STATE BANK | 6 | 8.00% | 52 |
| 3 | CITIZENS & NORTHERN BANK | 1 | — | 5 |
DSCR / long-term rental lenders in Lycoming 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
3 lenders reported short-term, business-purpose investment loans in Lycoming County in 2024 verified lending records — 23 loans totaling $3.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Lycoming County's active lenders was 8.00% in 2024, with per-lender medians ranging from 7.75% to 8.00%. 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.