DSCR Loans in Northumberland County, Pennsylvania
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 46 lenders made 156 investment-property loans in Northumberland County, 0.6% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Northumberland County, Pennsylvania, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $190,000.
See which lenders are most active in Northumberland County →
Northumberland County investor market at a glance
| Statistic | Northumberland County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 156 | 24,181 | 30th of 35 |
| Reporting lenders | 46 | 587 | 30th of 35 |
| Loan volume | $17.8M | $5.10B | 32nd of 35 |
| Average loan | $114K | $211K | 32nd of 35 |
| Median loan | $105K | $175K | 30th of 35 |
| Purchases | 64.1% | 55.3% | 13th of 35 |
| Cash-out refinances | 14.7% | 21.3% | 21st of 35 |
| 2–4 unit properties | 42.3% | 26.5% | 7th of 35 |
| Top five lenders' share | 45.5% | 20.4% | 11th of 35 |
| Reported business-purpose | 55.1% | 77.2% | 33rd of 35 |
Northumberland County: closed-end loans on 1–4 unit investment properties. Northumberland County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Northumberland County's investor loans.
What stands out in Northumberland County
55.1% of Northumberland County's investor loans were reported as business-purpose, the 3rd-lowest share of Pennsylvania's 35 counties with published data (statewide: 77.2%).
Fewer investor loans here were reported as business-purpose than in most of Pennsylvania. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The average investor loan in Northumberland County was $114K, the 4th-lowest average of Pennsylvania's 35 counties with published data (statewide: $211K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
42.3% of Northumberland County's investor loans financed a 2–4 unit property, the 7th-highest share of Pennsylvania's 35 counties with published data (statewide: 26.5%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in Northumberland County?
At HUD's fair market rent of $1,320 for a 3-bedroom in Northumberland County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $190,000, with 20% down at the 7.25% starting rate (November 2026). Northumberland County's median home value is $162,400; at that price the payment is $1,103 a month, so the property would need $1,125 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,014 / $1,320 / $1,408 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $162,400 |
| Median property taxes and effective rate | $1,794 (1.10% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,103 |
| Rent needed to cover that payment | $1,125 |
| Coverage of a 3-bedroom at fair market rent | 1.20 |
| Highest price a 3-bedroom at fair market rent covers | about $190,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $295,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Northumberland County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Northumberland County?
The most active investment-property lenders in Northumberland County in 2025 HMDA data were MC Federal Credit Union, Mifflinburg Bank and Trust Company and Journey Bank, out of 46 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including two that reported in Northumberland County, and matches each file to the one most likely to fund it.
Northumberland County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 156 loans and $17.8M from 46 lenders. MC Federal Credit Union led Northumberland County with 19 loans, 12.2% of the county's total, and the average Northumberland County loan of $114K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| MC Federal Credit Union | 19 | $1.7M | $88K | 26.3% |
| Mifflinburg Bank and Trust Company | 18 | $2.8M | $157K | 100.0% |
| Journey Bank | 13 | $1.8M | $137K | 76.9% |
| SERVICE 1ST | 13 | $1.4M | $107K | 61.5% |
| Bank of Bird-in-Hand | 8 | $1.5M | $189K | 75.0% |
| Jersey Shore State Bank | 8 | $0.9M | $113K | 62.5% |
| Susquehanna Community Bank | 7 | $1.1M | $158K | 85.7% |
| CONSTRUCTIVE LOANS, LLC | 6 | $0.6M | $103K | 16.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | $0.6M | $117K | 60.0% |
| Rocket Mortgage, LLC | 3 | $0.3M | $102K | 66.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | $0.3M | $102K | 0.0% |
| First National Bank of Pennsylvania | 3 | $0.3M | $98K | 66.7% |
| UNB Bank | 3 | $0.3M | $95K | 100.0% |
| Community Bank, National Association | 3 | $0.2M | $72K | 100.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 3 | $0.1M | $45K | 0.0% |
| NEWREZ LLC | 2 | $0.3M | $160K | 50.0% |
| First Keystone Community Bank | 2 | $0.2M | $105K | 50.0% |
| A&D Mortgage LLC | 2 | $0.2M | $95K | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.2M | $95K | 50.0% |
| Hershey Federal Credit Union | 2 | $0.2M | $90K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.2M | $80K | 0.0% |
| Fulton Bank, National Association | 2 | $0.1M | $70K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 2 | $0.1M | $45K | 100.0% |
| The Luzerne Bank | 2 | $0.1M | $45K | 100.0% |
| Northwest Bank | 2 | $0.1M | $25K | 50.0% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Northumberland County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Northumberland County CSV, all 25 lenders
What Northumberland County's table can't show you: fit. Short-term financing is exempt from HMDA, so Northumberland County's fix-and-flip and bridge lenders barely appear among its 46 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Northumberland County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Northumberland County, Pennsylvania property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Northumberland County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 46 lenders and 156 loans: 2025 HMDA loan-level data rolled up to Northumberland County.
- Northumberland County investor-lender dataset (CSV) — All 25 lenders in the Northumberland County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Northumberland County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Northumberland County, PA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Northumberland County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.