Farmers and Merchants Trust Company of Chambersburg: 2025 mortgage rates, costs & approvals
How Farmers and Merchants Trust Company of Chambersburg priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Farmers and Merchants Trust Company of Chambersburg · LEI 5493008E3WZYM5146L29
In 2025, Farmers and Merchants Trust Company of Chambersburg originated 301 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 5 states — 974th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.375% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $5,470, about the same as the national median ($5,570).
It denied 6.5% of completed home-purchase applications (all lenders: 8.5%).
How Farmers and Merchants Trust Company of Chambersburg priced home-purchase loans
| Purchase loans, 2025 | Farmers and Merchants Trust Company of Chambersburg | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.375% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.13 pts | +0.13 pts |
| Total loan costs · conventional | $5,470 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $1,270 | $1,860 |
| Borrowers paying discount points | 20.2% | 51.3% |
| Points paid, when paid (% of loan) | 0.20% | 0.87% |
| Borrowers receiving lender credits | 44.3% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Farmers and Merchants Trust Company of Chambersburg denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Farmers and Merchants Trust Company of Chambersburg lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Pennsylvania | 250 | 271 | 3.6% | 6.375% | $5,340 |
| West Virginia | 28 | 31 | 7.4% | — | $5,930 |
| Maryland | 20 | 27 | 26.9% | — | — |
| Virginia | 2 | 4 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Farmers and Merchants Trust Company of Chambersburg's page for that state.
Counties where Farmers and Merchants Trust Company of Chambersburg is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fulton County, PA | 1 | 15 | 12.4% |
| Franklin County, PA | 7 | 91 | 4.5% |
| Huntingdon County, PA | 11 | 6 | 2.0% |
| Cumberland County, PA | 16 | 51 | 1.5% |
| Morgan County, WV | 21 | 3 | 1.0% |
Check Farmers and Merchants Trust Company of Chambersburg yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493008E3WZYM5146L29.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Farmers and Merchants Trust Company of Chambersburg with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology