Investment property improvement lenders in Franklin County, Pennsylvania
Fat Boy Data analyzed investment home improvement loan 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. 70 applications were decided by 23 lenders between 2023 and 2025.
Franklin County at a glance
How Franklin County compares
What the data shows
Farmers and Merchants Trust Company of Chambersburg made the most investment home improvement loans in Franklin County, PA, 16 of them.
That is 33% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Lenders approved 71.4% of investment home improvement loan applications in Franklin County, PA, 21.2 percentage points above the Pennsylvania rate of 50.2%.
The typical investment home improvement loan here is $65K, 32% smaller than the Pennsylvania typical of $95K.
Investment property improvement lenders in Franklin County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Farmers and Merchants Trust Company of ChambersburgLimited sample | 89% | 17 / 19 | 94% | $65K | 16 |
| 2 | Patriot Credit UnionLimited sample | 62% | 10 / 16 | 100% | $105K | 10 |
| 3 | Manufacturers and Traders Trust CompanyLimited sample | 50% | 2 / 4 | 100% | $105K | 2 |
| 4 | Community State Bank of OrbisoniaLimited sample | 100% | 4 / 4 | 100% | $45K | 4 |
| 5 | Pennsylvania State Employees Credit UnionLimited sample | 67% | 2 / 3 | 100% | $55K | 2 |
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 18 more lenders.
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You are seeing the 5 largest investment home improvement loan 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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