Investment property improvement lenders in Cumberland County, Pennsylvania
Fat Boy Data analyzed investment home improvement loan activity in Cumberland County, Pennsylvania, home to Carlisle, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 115 applications were decided by 26 lenders between 2023 and 2025.
Cumberland County at a glance
How Cumberland County compares
What the data shows
Pennsylvania State Employees Credit Union made the most investment home improvement loans in Cumberland County, PA, 17 of them.
That is 27% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Pennsylvania State Employees Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 77% of 22.
Lenders approved 62.6% of investment home improvement loan applications in Cumberland County, PA, 12.4 percentage points above the Pennsylvania rate of 50.2%.
No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Investment property improvement lenders in Cumberland County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Pennsylvania State Employees Credit Union | 77% | 17 / 22 | 100% | $95K | 17 |
| 2 | Members 1StLimited sample | 50% | 9 / 18 | 67% | $45K | 6 |
| 3 | S&T BankLimited sample | 53% | 8 / 15 | 88% | $155K | 7 |
| 4 | The Bank of LandisburgLimited sample | 100% | 8 / 8 | 100% | $175K | 8 |
| 5 | Navy Federal Credit UnionLimited sample | 29% | 2 / 7 | 100% | $35K | 2 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 21 more lenders.
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You are seeing the 5 largest investment home improvement loan lenders in Cumberland County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
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