Home improvement loan lenders in Franklin County, Pennsylvania
Fat Boy Data analyzed home improvement loan activity in Franklin County, Pennsylvania, home to Chambersburg, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,216 applications were decided by 72 lenders between 2023 and 2025.
Franklin County at a glance
How Franklin County compares
What the data shows
Patriot Credit Union made the most home improvement loans in Franklin County, PA, 462 of them.
That is 31% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
1St Ed Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 96% of 26.
The typical home improvement loan here is $55K, 15% smaller than the Pennsylvania typical of $65K.
Only 2 lenders here typically write at or below $35K: Corning Federal Credit Union, Pennsylvania State Employees Credit Union.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Home improvement loan lenders in Franklin County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Patriot Credit Union | 74% | 476 / 640 | 97% | $45K | 462 |
| 2 | Orrstown Bank | 76% | 195 / 256 | 99% | $85K | 193 |
| 3 | Farmers and Merchants Trust Company of Chambersburg | 72% | 179 / 248 | 96% | $65K | 172 |
| 4 | Manufacturers and Traders Trust Company | 69% | 170 / 248 | 93% | $75K | 158 |
| 5 | Members 1St | 66% | 121 / 184 | 98% | $55K | 119 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 67 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Franklin County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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