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Franklin County, Pennsylvania · 2025

Mortgage lenders in Franklin County, PA: denial rates and top lenders (2025)

272 lenders acted on 6,093 mortgage applications for properties in Franklin County in 2025. 16.6% were denied (Pennsylvania: 18.3%). Median rate on closed loans 6.38%; median loan $175,000; median property value $305,000.

6.1kApplications
16.6%Denial ratestate 18.3%
6.38%Median ratestate 6.63%
$175,000Median loan
$305,000Median property value

Largest lenders in Franklin County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Patriot A 649417 24.7%4.99%
2 Farmers and Merchants Trust Company of Chambersburg C 395295 15.4%6.13%
3 Manufacturers and Traders Trust C 303234 16.5%5.99%
4 Rocket Mortgage C 281194 21.0%6.63%
5 Orrstown Bank A 255185 19.6%4.35%
6 United Shore Financial Services B 173119 14.5%6.10%
7 Members 1st B 172108 25.6%5.49%
8 Guild Mortgage A 172140 5.2%6.50%
9 Broker Solutions D 155103 6.5%6.62%
10 Mortgage Research Center C 15173 18.5%6.25%
11 Integrity Home Mortgage B 147124 1.4%6.50%
12 Crosscountry Mortgage B 139109 0.7%6.63%
13 Truist Bank C 13867 38.4%6.80%
14 Corning Credit Union A 13691 14.7%6.50%
15 Pennymac Loan Services C 11363 10.6%6.25%
16 Loandepot.Com D 10353 29.1%6.25%
17 NVR Mortgage Finance B 9277 6.5%6.50%
18 Navy Federal Credit Union D 8242 17.1%7.06%
19 Freedom Mortgage B 8032 8.8%6.06%
20 21st Mortgage F 789 53.9%10.77%
21 PENNSYLVANIA STATE EMPLOYEES Credit Union C 7859 6.4%6.50%
22 ACNB Bank B 7763 3.9%7.13%
23 Newrez D 7324 13.7%6.75%
24 Direct Mortgage Loans B 6960 0.0%6.75%
25 Coastal Community Bank C 6715 6.0%9.49%

Best approval odds in Franklin County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Direct Mortgage Loans650.0%
2Crosscountry Mortgage1110.9%
3Integrity Home Mortgage1341.5%
4ACNB Bank704.3%
5Guild Mortgage1525.9%
6NVR Mortgage Finance837.2%
7PENNSYLVANIA STATE EMPLOYEES Credit Union687.4%
8Broker Solutions1158.7%
9Freedom Mortgage5014.0%
10Pennymac Loan Services7715.6%

What Franklin County borrowers applied for

By loan purpose

Home purchase 2,449 40% · 8.6% denied
Refinance 1,172 19% · 13.7% denied
Cash-out refinance 791 13% · 23.6% denied
Home improvement 899 15% · 25.3% denied
Other / HELOC 782 13% · 29.2% denied

By loan type

Conventional 4,552 75% · 17.3% denied
FHA 818 13% · 17.9% denied
VA 617 10% · 11.8% denied
USDA / RHS 106 2% · 5.7% denied

Why applications were denied

Credit history 310 31%
Debt-to-income ratio 282 28%
Collateral 161 16%
Other 101 10%
Incomplete application 100 10%
Unverifiable information 24 2%
Insufficient cash 23 2%
Employment history 7 1%

Franklin County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,8073,10219.4%6.63%$145,000
20245,5473,56719.0%6.63%$155,000
20256,0933,89116.6%6.38%$175,000

Frequently asked questions

16.6% of applications in Franklin County were denied in 2025, against 18.3% statewide in Pennsylvania.

Patriot, with 649 applications in 2025 and a denial rate of 24.7%.

The median mortgage application in Franklin County in 2025 was for $175,000; the median property value on originated loans was $305,000.