Mortgage lending in Franklin County, Pennsylvania
Lenders in Franklin County, Pennsylvania reported 6,093 mortgage applications for 2025, according to the CFPB.
6,093 mortgage applications and 3,891 loans originated in 2025; the denial rate was 19.7% of 5,142 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Chambersburg, PA MSA.
- 6,093
- Applications
- 3,891
- Loans originated
- 19.7%
- Denial rate
- 1,014 denied of 5,142 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 6,093 | 3,891 |
| 2024 | 5,547 | 3,567 |
| 2023 | 4,807 | 3,102 |
| 2022 | 6,485 | 4,150 |
| 2021 | 10,099 | 6,744 |
| 2020 | 8,653 | 5,841 |
| 2019 | 6,422 | 4,129 |
| 2018 | 5,989 | 3,832 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Patriot FCU | 417 | 649 |
| Farmers and Merchants Trust Company of Chambersburg | 295 | 395 |
| M&T Bank | 234 | 303 |
| Rocket Mortgage | 194 | 281 |
| Orrstown Bank | 185 | 255 |
| Guild Mortgage Company | 140 | 172 |
| Integrity Home Mortgage Corporation | 124 | 147 |
| United Wholesale Mortgage | 119 | 173 |
| Crosscountry Mortgage, LLC | 109 | 139 |
| Members 1ST Fcu | 108 | 172 |
| New American Funding, LLC. | 103 | 155 |
| Corning Credit Union | 91 | 136 |
| NVR Mortgage Finance, Inc. | 77 | 92 |
| Mortgage Research Center | 73 | 151 |
| Truist Bank | 67 | 138 |
| Acnb Bank | 63 | 77 |
| Pennymac Loan Services LLC | 63 | 113 |
| Direct Mortgage Loans, LLC | 60 | 69 |
| Pennsylvania State Employees Credit Union | 59 | 78 |
| loanDepot.com LLC | 53 | 103 |
| Navy Federal Credit Union | 42 | 82 |
| American Pacific Mortgage Corporation | 41 | 50 |
| Fulton Bank, National Association | 37 | 46 |
| First Heritage Financial LLC | 35 | 36 |
| Freedom Mortgage Corporation | 32 | 80 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 30 | no rate: base under 50 |
| Asian | 119 | 20.4% of 98 decided |
| Black or African American | 206 | 35.9% of 167 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 4,761 | 18.4% of 4,070 decided |
| 2 or more minority races | under 10 | |
| Joint | 108 | 12.5% of 88 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 852 | 22.5% of 679 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 305 | 27.0% of 256 decided |
| Not Hispanic or Latino | 4,868 | 19.1% of 4,158 decided |
| Joint | withheld | |
| Ethnicity Not Available | 836 | 21.5% of 652 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,061 | 21.8% of 1,692 decided |
| Female | 1,252 | 26.3% of 1,056 decided |
| Joint | 2,285 | 14.1% of 2,006 decided |
| Sex Not Available | 495 | 21.6% of 388 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1301 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved