These banks all reported apartment loans on their most recent federal call report, and all have at least one branch in Pennsylvania. Banks are the most common source of multifamily financing — five units and up, stabilised or value-add — and most lend close to their branches, so a lender with offices near your building is usually a better first call than a bigger name without them. Expect a bank to want recourse and, usually, a banking relationship; the capital guide compares the alternatives.
Banks Based in Pennsylvania, Largest Multifamily Books First
25 of 89 qualifying banks are headquartered in Pennsylvania. These are the lenders whose whole business is this market.
| # | Institution | Multifamily book | Share of investor CRE | Branches in PA | Contact |
|---|---|---|---|---|---|
| 1 | Customers Bank | $2.66bn | 58.3% | 5 | Contact available |
| 2 | Fulton Bank | $1.56bn | 23.9% | 105 | Contact available |
| 3 | Tristate Capital Bank | $931m | 28.5% | 2 | Contact available |
| 4 | First National Bank of Pennsylvania | $885m | 10.2% | 190 | Contact available |
| 5 | S&T Bank | $728m | 20.1% | 73 | Contact available |
| 6 | First Commonwealth Bank | $637m | 22.5% | 99 | Contact available |
| 7 | CNB Bank | $625m | 25.6% | 50 | Contact available |
| 8 | Penn Community Bank | $468m | 48.8% | 22 | Contact available |
| 9 | Northwest Bank (Warren, PA) | $466m | 23.8% | 103 | Contact available |
| 10 | Mid Penn Bank | $446m | 18.1% | 57 | Contact available |
| 11 | Peoples Security | $435m | 25.8% | 37 | Contact available |
| 12 | Univest Bank and Trust Co. | $395m | 17.3% | 48 | Contact available |
| 13 | Dollar Bank | $371m | 15.0% | 48 | Contact available |
| 14 | NEXTIER BANK, NATIONAL ASSOCIATION | $334m | 34.9% | 31 | Contact available |
| 15 | Kish Bank | $307m | 38.7% | 19 | Contact available |
| 16 | First Citizens Community Bank | $256m | 27.6% | 37 | Contact available |
| 17 | Orrstown | $230m | 12.9% | 35 | Contact available |
| 18 | QNB Bank | $211m | 25.6% | 18 | Contact available |
| 19 | Citizens & Northern Bank | $171m | 19.3% | 34 | Contact available |
| 20 | ACNB Bank | $148m | 16.5% | 24 | Contact available |
| 21 | Firstrust Savings Bank | $125m | 7.3% | 16 | Contact available |
| 22 | Brentwood Bank | $124m | 30.4% | 14 | Contact available |
| 23 | Farmers and Merchants Trust Company of Chambersburg | $124m | 14.8% | 24 | Contact available |
| 24 | Embassy Bank for the Lehigh Valley | $120m | 37.9% | 10 | Contact available |
| 25 | BNY Mellon, National Association | $109m | 14.0% | 3 | Contact available |
National Lenders With Branches in Pennsylvania
25 of 39 qualifying banks are headquartered elsewhere but have offices here. The multifamily figure is their national book, so read it alongside the branch count — a large book behind a handful of local offices is a different proposition from a bank with a branch network in the state.
| # | Institution | Multifamily book | Share of investor CRE | Branches in PA | Contact |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $107.32bn | 64.9% | 109 | Contact available |
| 2 | Wells Fargo | $26.55bn | 25.6% | 168 | Contact available |
| 3 | PNC Real Estate | $14.98bn | 40.8% | 263 | Contact available |
| 4 | Santander Bank | $9.37bn | 57.9% | 63 | Contact available |
| 5 | Truist | $8.65bn | 26.0% | 138 | Contact available |
| 6 | Bank of America | $8.46bn | 15.3% | 72 | Contact available |
| 7 | Citizens Bank | $8.04bn | 35.0% | 213 | Contact available |
| 8 | M&T Bank | $7.12bn | 29.5% | 151 | Contact available |
| 9 | TD Bank | $6.71bn | 28.5% | 71 | Contact available |
| 10 | KeyBank | $5.44bn | 38.5% | 84 | Contact available |
| 11 | Huntington National Bank | $4.88bn | 19.9% | 47 | Contact available |
| 12 | Provident Bank | $3.81bn | 32.3% | 5 | Contact available |
| 13 | United Bank (Fairfax, VA) | $2.44bn | 20.3% | 4 | Contact available |
| 14 | OceanFirst Bank | $2.36bn | 27.4% | 1 | Contact available |
| 15 | WesBanco Bank | $1.74bn | 22.5% | 25 | Contact available |
| 16 | The Bank of New York Mellon | $1.55bn | 32.3% | 1 | Contact available |
| 17 | NBT Bank, National Association | $1.50bn | 40.5% | 24 | Contact available |
| 18 | The Northern Trust Company | $1.49bn | 27.6% | 1 | Contact available |
| 19 | Wilmington Savings Fund Society, FSB | $1.18bn | 21.5% | 52 | Contact available |
| 20 | Community Bank, National Association (Canton, NY) | $952m | 33.4% | 32 | Contact available |
| 21 | Burke & Herbert Bank & Trust Company | $785m | 18.0% | 9 | Contact available |
| 22 | Tompkins Community Bank | $776m | 28.5% | 18 | Contact available |
| 23 | The Bank of Princeton | $467m | 43.5% | 5 | Contact available |
| 24 | Chemung Canal Trust Company | $462m | 35.8% | 2 | Contact available |
| 25 | First Bank (Hamilton, NJ) | $271m | 16.6% | 9 | Contact available |
What this list is, and what it leaves out
A reported balance is not a credit box. Every bank here held apartment loans on 30 June 2026. That is evidence they lend on multifamily — better evidence than a marketing page, because it is what they actually hold — but it is not a commitment to lend on your deal, at your size, in your submarket.
More lenders exist than this page lists. 128 banks qualified in Pennsylvania. Credit unions, debt funds, agency lenders and life companies also finance apartments and none of them file this report, and plenty of banks lend on multifamily without publishing criteria anywhere. Running your deal through the search covers all of them, not just the banks on this page.
We hold a named lending contact for 126 of them.
Sources. FDIC Call Reports (30 June 2026) and the FDIC Summary of Deposits. A bank appears here if it reported a multifamily balance of $5m or more, or multifamily at 5% or more of its commercial real estate book, and has at least one branch in Pennsylvania. The dual test is deliberate: a flat dollar floor is a bank-size filter in disguise — a $25m floor passes 86.5% of banks over $10bn and 2.2% of banks under $300m — and would drop the community lenders most likely to look at a smaller apartment deal. Multifamily is the call report's own category for loans secured by five-or-more-unit residential property; it excludes one-to-four-unit rentals, which banks report separately. Multifamily book is institution-level and unprorated: no state split of the loan book is published, so a bank lending in several states shows its full multifamily book on every state page where it qualifies. That is why this page separates banks based in Pennsylvania from national lenders with branches here, rather than ranking them against each other on a national figure. Branch counts are offices in Pennsylvania from the Summary of Deposits. Contact availability refers to whether Lender Compass holds a named contact, not to anything the bank publishes.