Private & Hard Money Lenders in Northumberland County, PA
3 lenders funded 5 short-term investment-property loans in Northumberland County in 2024 at a median rate of 7.50%. Ranked by verified loan volume — not paid placement.
Northumberland County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | JERSEY SHORE STATE BANK | 3 | 7.50% | 14 |
| 2 | SERVICE 1ST FEDERAL CREDIT UNI | 1 | — | 13 |
| 3 | Journey Bank | 1 | — | 11 |
DSCR / long-term rental lenders in Northumberland 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 Northumberland County in 2024 verified lending records — 5 loans totaling $465,000. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Northumberland County's active lenders was 7.50% 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.