Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Franklin County, Pennsylvania
Every institution that decided a 1–4 unit mortgage application in Franklin County, home to Chambersburg, between 2023 and 2025: 11,929 applications, 9,233 loans actually funded, across 8 kinds of borrowing.
Franklin County at a glance
11,929Applications decided
2023–2025
9,233Loans funded
77% of decisions
33Census tracts
10 ZIP codes
156,626People
ACS 2023
What the data shows
The typical purchase mortgage here is $235K.
Cash-out refinance is the hardest money to get here: lenders approved 66% of 1,357 applications.
Lending by loan type in Franklin County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.2% | 5,446 | $235K | 96% | 256 |
| Home improvement loans | 71.4% | 2,216 | $55K | 94% | 72 |
| Cash-out refinance | 66.1% | 1,357 | $165K | 94% | 116 |
| Refinance | 79.8% | 2,167 | $105K | 95% | 133 |
| Investment property purchase | 93.2% | 457 | $165K | 95% | 116 |
| Investment cash-out refinance | 75.0% | 80 | $155K | 97% | 37 |
| Investment refinance | 86.0% | 136 | $185K | 96% | 36 |
| Investment home improvement | 71.4% | 70 | $65K | 98% | 23 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.