Lender in Pennsylvania · HMDA 2025
Farmers and Merchants Trust Company of Chambersburg mortgages in Pennsylvania
Farmers and Merchants Trust Company of Chambersburg's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Farmers and Merchants Trust Company of Chambersburg originated 250 owner-occupied single-family loans in Pennsylvania from 271 completed applications.
Its median conventional purchase loan costs were $5,340 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.375% (Pennsylvania: 6.625%).
Loans in PA
250
of 271 applications
Denial rate
3.6%
Purchase · PA 6.7%
Rate spread
+0.13 pts
Conv. · PA +0.17 pts
Loan amount
$295,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 251 | 240 | 3.6% | 6.375% | +0.13 pts | $5,340 | $295,000 |
| Refinance | 7 | 5 | — | — | — | — | — |
| Cash-out refinance | 13 | 5 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Farmers and Merchants Trust Company of Chambersburg ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fulton County | 1 | 15 | 12.4% |
| Franklin County | 7 | 91 | 4.5% |
| Huntingdon County | 11 | 6 | 2.0% |
| Cumberland County | 16 | 51 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology