refinance lenders · HMDA 2023–2025

Refinance lenders in Franklin County, Pennsylvania

Fat Boy Data analyzed mortgage refinance activity in Franklin County, Pennsylvania to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,167 applications were decided by 133 lenders between 2023 and 2025.

Franklin County at a glance

133Active lenders19 with 20+ decisions
79.8%Market approval rate1,729 of 2,167 decided
$105KTypical loanmedian lender, $10K brackets
95%Borrower take-up1,646 loans funded

How Franklin County compares

Approval rate compared
Franklin County79.8%Pennsylvania75.8%All 616 counties76.5%
Typical loan compared
Franklin County$105KPennsylvania$115KAll 616 counties$295K

What the data shows

Manufacturers and Traders Trust Company made the most mortgage refinances in Franklin County, PA, 304 of them.

1St Ed Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 97% of 34.

Approval rate of all 19 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 28% approved of 32Mortgage Research Center, LLC: 56% approved of 32Truist Bank: 57% approved of 123PNC Bank, National Association: 65% approved of 20ACNB Bank: 69% approved of 26Patriot Credit Union: 73% approved of 259Rocket Mortgage, LLC: 74% approved of 65Citizens Bank, National Association: 76% approved of 21Members 1St: 77% approved of 95Orrstown Bank: 77% approved of 218The Juniata Valley Bank: 80% approved of 20United Wholesale Mortgage, LLC: 83% approved of 99Pennymac Loan Services, LLC: 85% approved of 41Farmers and Merchants Trust Company of Chambersburg: 86% approved of 267Village Capital & Investment LLC: 91% approved of 32Freedom Mortgage Corporation: 93% approved of 45Manufacturers and Traders Trust Company: 93% approved of 337Corning Federal Credit Union: 96% approved of 451St Ed Credit Union: 97% approved of 34

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Refinance lenders in Franklin County

LenderApprovalApprovedTaken upTypical loanLoans made
1Manufacturers and Traders Trust Company93%315 / 33797%$105K304
2Farmers and Merchants Trust Company of Chambersburg86%230 / 26797%$105K224
3Patriot Credit Union73%188 / 25997%$75K182
4Orrstown Bank77%168 / 21899%$135K167
5Truist Bank57%70 / 12396%$105K67

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 128 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Franklin County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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