Pennsylvania · HMDA 2025
Mortgage lenders in Franklin County, PA
275 lenders reported 6,827 home-loan applications in Franklin County in 2025. 3,891 closed as loans ($789.3M), 1,014 were denied — a 19.7% denial rate on decided applications, below the Pennsylvania rate of 22.0%. The three most active lenders handled 20% of applications, led by PATRIOT. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 6,827
- Loans originated
- 3,891
- Purchase / refinance
- 1,845 / 1,111
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PATRIOT | 649 | 9.5% | — |
| 2 | Farmers and Merchants Trust Company of Chambersburg | 395 | 5.8% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 320 | 4.7% | — |
| 4 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 306 | 4.5% | 32.9% |
| 5 | Rocket Mortgage, LLC | 286 | 4.2% | — |
| 6 | Orrstown Bank 70 out of 100, Strong | 255 | 3.7% | 22.0% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 173 | 2.5% | — |
| 8 | GUILD MORTGAGE COMPANY | 173 | 2.5% | — |
| 9 | MEMBERS 1ST | 172 | 2.5% | — |
| 10 | Broker Solutions, Inc. | 155 | 2.3% | — |
| 11 | Mortgage Research Center, LLC | 151 | 2.2% | — |
| 12 | Truist Bank 63 out of 100, Moderate | 148 | 2.2% | 40.8% |
| 13 | Integrity Home Mortgage Corporation | 147 | 2.2% | — |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 139 | 2.0% | — |
| 15 | CORNING CREDIT UNION | 136 | 2.0% | — |
| 16 | NEWREZ LLC | 123 | 1.8% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 120 | 1.8% | — |
| 18 | Loandepot.Com, LLC | 103 | 1.5% | — |
| 19 | NVR Mortgage Finance, Inc. | 92 | 1.3% | — |
| 20 | FREEDOM MORTGAGE CORPORATION | 91 | 1.3% | — |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 87 | 1.3% | 14.1% |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 82 | 1.2% | 32.9% |
| 23 | PLANET HOME LENDING, LLC | 79 | 1.2% | — |
| 24 | 21st Mortgage Corporation | 78 | 1.1% | — |
| 25 | PENNSYLVANIA STATE EMPLOYEES Credit Union 80 out of 100, Strong | 78 | 1.1% | 15.6% |
| 26 | ACNB Bank 77 out of 100, Strong | 77 | 1.1% | 11.5% |
| 27 | DIRECT MORTGAGE LOANS, LLC | 69 | 1.0% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 67 | 1.0% | 3.0% |
| 29 | NATIONSTAR MORTGAGE LLC | 62 | 0.9% | — |
| 30 | FIGURE LENDING LLC | 56 | 0.8% | — |
| 31 | U.S. Bank National Association 55 out of 100, Moderate | 51 | 0.7% | 39.5% |
| 32 | GUARANTEED RATE, INC. | 50 | 0.7% | — |
| 33 | AMERICAN PACIFIC MORTGAGE CORPORATION | 50 | 0.7% | — |
| 34 | NEW DAY FINANCIAL, LLC | 48 | 0.7% | — |
| 35 | AmeriSave Mortgage Corporation | 47 | 0.7% | — |
| 36 | PNC Bank, National Association 62 out of 100, Moderate | 47 | 0.7% | 33.8% |
| 37 | Fulton Bank, National Association 65 out of 100, Moderate | 46 | 0.7% | 23.0% |
| 38 | SPRING EQ, LLC | 44 | 0.6% | — |
| 39 | TRIAD FINANCIAL SERVICES, INC. | 43 | 0.6% | — |
| 40 | PHH Mortgage Corporation | 43 | 0.6% | — |
Top 40 of 275 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Pennsylvania
- Philadelphia County 52,674 apps
- Allegheny County 48,249 apps
- Montgomery County 35,106 apps
- Bucks County 26,663 apps
- Chester County 23,825 apps
- Delaware County 22,887 apps
- York County 22,065 apps
- Lancaster County 19,787 apps
- Berks County 16,859 apps
- Lehigh County 14,472 apps
- Westmoreland County 14,117 apps
- Northampton County 12,791 apps