Mortgage lenders in Franklin County
3,891 mortgages were made in Franklin County, Pennsylvania, in 2025, by 279 lenders. The median rate their borrowers got was 6.375% on a median loan of $185,000. Of 5,142 decisions, 1,014 were denials — 19.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| PATRIOT | 417 | 4.990% | $65,000 | 27.0% |
| Farmers and Merchants Trust Company of Chambersburg | 295 | 6.125% | $155,000 | 16.7% |
| Manufacturers and Traders Trust Company | 234 | 5.990% | $105,000 | 16.8% |
| Rocket Mortgage, LLC | 194 | 6.625% | $195,000 | 22.8% |
| Orrstown Bank | 185 | 4.350% | $135,000 | 20.9% |
| GUILD MORTGAGE COMPANY | 140 | 6.375% | $210,000 | 5.9% |
| Integrity Home Mortgage Corporation | 124 | 6.438% | $225,000 | 1.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 119 | 6.100% | $285,000 | 17.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 109 | 6.625% | $245,000 | 0.9% |
| MEMBERS 1ST | 108 | 5.490% | $80,000 | 28.2% |
| Broker Solutions, Inc. | 103 | 6.500% | $235,000 | 8.7% |
| CORNING CREDIT UNION | 91 | 6.500% | $65,000 | 15.9% |
| NVR Mortgage Finance, Inc. | 77 | 6.500% | $345,000 | 7.2% |
| Mortgage Research Center, LLC | 73 | 6.250% | $295,000 | 27.7% |
| Truist Bank | 67 | 6.800% | $115,000 | 43.1% |
| PENNYMAC LOAN SERVICES, LLC | 63 | 6.250% | $195,000 | 15.6% |
| ACNB Bank | 63 | 7.125% | $195,000 | 4.3% |
| DIRECT MORTGAGE LOANS, LLC | 60 | 6.750% | $235,000 | 0.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 59 | 6.500% | $75,000 | 7.4% |
| Loandepot.Com, LLC | 53 | 6.250% | $255,000 | 35.7% |
| Navy Federal Credit Union | 42 | 7.063% | $165,000 | 24.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 41 | 6.625% | $235,000 | 2.4% |
| Fulton Bank, National Association | 37 | 6.750% | $225,000 | 9.8% |
| FIRST HERITAGE FINANCIAL, LLC | 35 | 6.625% | $245,000 | 2.8% |
| FREEDOM MORTGAGE CORPORATION | 32 | 6.063% | $290,000 | 14.0% |
| Community State Bank of Orbisonia | 30 | 6.675% | $140,000 | 3.2% |
| Homesale Mortgage, LLC | 30 | 6.625% | $255,000 | 3.1% |
| NYMEO FEDERAL CREDIT UNION | 28 | 6.313% | $205,000 | 0.0% |
| PNC Bank, National Association | 26 | 7.210% | $85,000 | 27.8% |
| NEWREZ LLC | 24 | 6.750% | $210,000 | 27.0% |
| CMG MORTGAGE, INC. | 24 | 6.495% | $300,000 | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 24 | 6.750% | $280,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 23 | 6.625% | $235,000 | 0.0% |
| GUARANTEED RATE, INC. | 23 | 6.750% | $255,000 | 7.7% |
| UNION HOME MORTGAGE CORP. | 21 | 6.375% | $205,000 | 0.0% |
| CNB Bank, Inc. | 21 | Not published | $345,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 20 | 6.563% | $435,000 | 4.8% |
| Middletown Valley Bank | 20 | Not published | $255,000 | 4.8% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.990% | $180,000 | 0.0% |
| Horizon Farm Credit, ACA | 18 | 6.815% | $275,000 | 0.0% |
| Coastal Community Bank | 15 | 9.490% | $45,000 | 8.2% |
| Bank of America, National Association | 14 | 6.490% | $95,000 | 17.7% |
| Wells Fargo Bank, National Association | 14 | 6.563% | $225,000 | 12.5% |
| Lendage, LLC | 14 | 10.625% | $60,000 | 0.0% |
| SPRING EQ, LLC | 13 | 9.600% | $55,000 | 62.2% |
| TRIAD FINANCIAL SERVICES, INC. | 13 | 8.950% | $85,000 | 30.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | 13 | 5.990% | $345,000 | 14.3% |
| FIRST HOME MORTGAGE CORPORATION | 13 | 6.875% | $255,000 | 13.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.625% | $265,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 13 | 6.625% | $225,000 | 7.1% |
| AmeriSave Mortgage Corporation | 12 | 8.125% | $60,000 | 70.5% |
| FIGURE LENDING LLC | 12 | 10.438% | $40,000 | 33.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 12 | 6.625% | $220,000 | 14.3% |
| EMBRACE HOME LOANS, INC. | 12 | 7.000% | $235,000 | 0.0% |
| THE LOAN STORE, INC. | 12 | 7.370% | $190,000 | 7.7% |
| Citizens Bank, National Association | 11 | 7.900% | $105,000 | 52.0% |
| The Juniata Valley Bank | 11 | Not published | $145,000 | 25.0% |
| MILLENNIUM FINANCIAL GROUP, INC. | 11 | 6.500% | $215,000 | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 11 | 6.250% | $265,000 | 0.0% |
| U.S. Bank National Association | 10 | 8.200% | $75,000 | 41.2% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.781% | $260,000 | 0.0% |
| Towne Bank | 10 | 6.750% | $265,000 | 0.0% |
| 21st Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 82.4% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 60.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 57.1% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 8 | Under 10 loans | Under 10 loans | 20.0% |
| BELCO COMMUNITY CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BAY CAPITAL MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 549300A6NF3MQMOHKJ20 | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 60.9% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FINANCING CORPORATION | 6 | Under 10 loans | Under 10 loans | 46.2% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| 1ST ED CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Presidential Bank, FSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| United Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST UNITED CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| S&T Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Shore United Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriServ Financial Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Atlantic Union Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 3 | Under 10 loans | Under 10 loans | 25.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 77.8% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| OceanFirst Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Atlantic Coast Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 92.3% |
| HomePromise Corporation | 1 | Under 10 loans | Under 10 loans | 83.3% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 75.0% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Mortgage America, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Kish Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alcova Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITADEL FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CANOPY MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JOHNS HOPKINS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACT 1ST FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sun East Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK FUNDING, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICHOICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FineMark National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Woodsboro Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOMERSET TRUST COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 79 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Franklin County
38 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Farmers and Merchants Trust Company of Chambersburg | 12 | $1.2 billion |
| Manufacturers and Traders Trust Company | 12 | $564.4 million |
| Orrstown Bank | 5 | $652.4 million |
| Truist Bank | 4 | $924.7 million |
| Middletown Valley Bank | 1 | $52.6 million |
| The Juniata Valley Bank | 1 | $48.8 million |
| Community State Bank of Orbisonia | 1 | $35.9 million |
| ACNB Bank | 1 | $32.2 million |
| Woodforest National Bank | 1 | $1.9 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Community State Bank of Orbisonia, 6962 Lincoln Way W, Saint Thomas
Get told when this changes
When the next year’s lending figures are out for Franklin County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.