Commercial Mortgage in Harrisburg, PA
Find lenders offering commercial mortgage in the Harrisburg, including York, Lancaster, Carlisle, and surrounding areas. Compare rates, terms, and programs from 47 lenders.
Commercial Mortgage Lenders Serving Harrisburg
47 lenders offering commercial mortgage in the Harrisburg, PA area.
First Commonwealth Bank
Local SBAIndiana, PA
Pennsylvania-based community bank offering SBA 7(a) loans, commercial real estate, equipment financing, and business lines of credit. Serves small businesses across Pennsylvania and Ohio.
First National Bank of Pennsylvania
Local SBAGREENVILLE, PA
One of the oldest banks in the U.S., offering SBA 7(a) loans, commercial real estate, equipment financing, and business lines of credit. Serves businesses across Pennsylvania, Ohio, Maryland, and surrounding states.
Firstrust Savings Bank
Local SBACONSHOHOCKEN, PA
Conshohocken, Pennsylvania-based bank offering SBA 7(a) loans, commercial real estate, and business banking. Family-owned bank serving the greater Philadelphia area since 1934.
Quaint Oak Bank
Local SBASouthampton, PA
Southampton, Pennsylvania-based community bank offering SBA 7(a) loans, commercial real estate, and residential lending. A growing community bank serving businesses in the greater Philadelphia region.
Fulton Bank, National Association
Local SBALANCASTER, PA
Lancaster, Pennsylvania-based regional bank offering SBA 7(a) loans, commercial real estate, equipment financing, and business lines of credit. Serves businesses across Pennsylvania, New Jersey, Maryland, Delaware, and Virginia.
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBACOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Newtek Bank, National Association
SBAMiami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
SBACincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SBASALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
US Metro Bank
SBAGARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
Readycap Lending, LLC
SBABERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
GBank
SBALAS VEGAS, NV
Fast-growing community bank based in Las Vegas and a top SBA preferred lender. Specializes in SBA 7(a) loans for hospitality, gas stations, convenience stores, and commercial real estate acquisition.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
First Internet Bank of Indiana
SBAFISHERS, IN
Nation's first state-chartered, FDIC-insured internet bank and a top SBA preferred lender. Offers SBA 7(a) loans, conventional commercial lending, franchise financing, and healthcare practice loans nationwide.
Harrisburg Commercial Real Estate Market
Harrisburg's CRE market is underpinned by Pennsylvania's state government operations and an extensive healthcare and logistics sector along the I-81 and I-83 corridors. The Capital City's downtown has experienced a gradual renaissance with hotel conversions, restaurant openings, and residential loft projects along the Susquehanna riverfront. The West Shore suburban corridor through Camp Hill, Mechanicsburg, and Carlisle attracts corporate office users and medical tenants seeking lower occupancy costs. The broader Harrisburg-York-Lancaster region has become a major distribution corridor, with warehouse and logistics demand fueled by proximity to Mid-Atlantic population centers and favorable operating costs compared to the New Jersey Turnpike corridor.
Key Economic Drivers
- ●Pennsylvania state government operations as the single largest employment anchor in the metro
- ●I-81/I-83 logistics corridor supporting warehousing for UPS, FedEx, and Amazon distribution
- ●Penn State Health Milton S. Hershey Medical Center and UPMC Pinnacle hospital network expansions
- ●Hershey Company and adjacent tourism economy in Derry Township
Market Insight
The Harrisburg region's industrial vacancy rate has remained among the tightest in central Pennsylvania, driven by e-commerce distribution tenants who value the area's ability to reach one-third of the U.S. population within a one-day truck drive.
Commercial Mortgage in Harrisburg, Pennsylvania
Conventional commercial mortgages provide long-term financing for stabilized, income-producing commercial properties. Offered by banks, credit unions, and institutional lenders with competitive rates for qualified borrowers and properties. In the Harrisburg metro area, borrowers can access 47 lenders offering Commercial Mortgage financing, including York, Lancaster, Carlisle, and surrounding areas. Loan amounts typically range from $250K to $50M with rates from 6% - 8%.
Who Should Consider Commercial Mortgage?
- Stabilized income properties
- Long-term holds
- Refinancing
- Experienced investors
Key Requirements
- Stabilized property with income history
- DSCR ≥ 1.20-1.25
- LTV ≤ 75-80%
- Borrower experience and liquidity
Advantages
- ✓Lower rates than bridge/hard money
- ✓Longer terms
- ✓Predictable payments
- ✓Build equity over time
Considerations
- •Stricter underwriting
- •Longer closing timeline
- •Prepayment penalties
- •Recourse may be required
Commercial Mortgage in Other Pennsylvania Cities
Find Commercial Mortgage Lenders in Harrisburg
Get matched with lenders offering commercial mortgage in the Harrisburg, PA area. Free for borrowers.
Get Matched — Free →