Franklin Mint in Pennsylvania vs the state
23.9%Denial rate+5.56 pts vs state
28.1%Decision denial rate+5.84 pts vs state
59.2%Origination rate-1.72 pts vs state
4.99%Median rate-1.63 pts vs state
-2.27Rate spread (pts)-2.51 pts vs state
$130kMedian applicant income
949Loans originated
382Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,708 | 1,001 | 27.1% | 2.99% | #50 |
| 2024 | 1,388 | 811 | 25.0% | 7.99% | #66 |
| 2025 | 1,602 | 949 | 23.9% | 4.99% | #57 |
What Franklin Mint lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Franklin Mint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Delaware County | 963 | 577 | 223 | 23.2% |
| Chester County | 313 | 211 | 58 | 18.5% |
| Philadelphia County | 112 | 37 | 57 | 50.9% |
| Montgomery County | 109 | 68 | 18 | 16.5% |
| Bucks County | 46 | 31 | 7 | 15.2% |
| Lancaster County | 10 | 5 | 2 | 20.0% |
| Berks County | 10 | 5 | 3 | 30.0% |
| Monroe County | 7 | 2 | 3 | 42.9% |
| Franklin County | 4 | 0 | 1 | 25.0% |
| York County | 4 | 1 | 2 | 50.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 1,602 applications in 2025, of which 949 were originated and 382 denied.
23.9% of all applications, or 28.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Franklin Mint originated in Pennsylvania in 2025 was 4.99%, against a statewide median of 6.63%.
About this data. Figures are Franklin Mint's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology