Farmers and Merchants Trust Company of Chambersburg
Farmers and Merchants Trust Company of Chambersburg received 977 applications in 2025 and made 692 mortgages, in 55 counties across 8 states. The median rate its borrowers got was 6.250% on a median loan of $205,000. Of 851 decisions, 138 were denials — 16.2%, most often for credit history.
| Legal Entity Identifier | 5493008E3WZYM5146L29 |
|---|---|
| Applications received | 977 |
| Mortgages made | 692 |
| Denied | 138 |
| Approved, not taken up | 21 |
| Withdrawn or incomplete | 126 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.21 points |
| FDIC-insured bank | Yes: Farmers and Merchants Trust Company of Chambersburg, 25 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 368 | 6.500% | $285,000 | 7.4% |
| Refinancing | 113 | 6.250% | $145,000 | 15.7% |
| Cash-out refinancing | 10 | 7.188% | $215,000 | 47.4% |
| Other purposes | 201 | 5.750% | $105,000 | 26.6% |
Where Farmers and Merchants Trust Company of Chambersburg lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, PA | 295 | 6.125% | 16.7% |
| Cumberland County, PA | 104 | 6.375% | 13.0% |
| Fulton County, PA | 41 | 6.250% | 21.2% |
| Lancaster County, PA | 31 | 6.490% | 2.9% |
| Berkeley County, WV | 29 | 6.375% | 6.5% |
| Dauphin County, PA | 27 | 6.500% | 6.9% |
| York County, PA | 26 | 6.500% | 3.6% |
| Huntingdon County, PA | 24 | 5.813% | 49.0% |
| Washington County, MD | 15 | 6.250% | 0.0% |
| Adams County, PA | 14 | 6.375% | 28.6% |
| Jefferson County, WV | 9 | Under 10 loans | 0.0% |
| Berks County, PA | 8 | Under 10 loans | 0.0% |
| Perry County, PA | 6 | Under 10 loans | 14.3% |
| Morgan County, WV | 6 | Under 10 loans | 25.0% |
| Carroll County, MD | 5 | Under 10 loans | 44.4% |
| Lebanon County, PA | 5 | Under 10 loans | 0.0% |
| Frederick County, MD | 4 | Under 10 loans | 20.0% |
| Chester County, PA | 4 | Under 10 loans | 0.0% |
| Montgomery County, PA | 4 | Under 10 loans | 0.0% |
| Baltimore County, MD | 3 | Under 10 loans | 0.0% |
| Centre County, PA | 3 | Under 10 loans | 0.0% |
| Harford County, MD | 2 | Under 10 loans | 50.0% |
| Cape May County, NJ | 2 | Under 10 loans | 0.0% |
| Bedford County, PA | 2 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 2 | Under 10 loans | 0.0% |
| Preston County, WV | 2 | Under 10 loans | 0.0% |
| Sussex County, DE | 1 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 0.0% |
| Montgomery County, MD | 1 | Under 10 loans | 0.0% |
| Worcester County, MD | 1 | Under 10 loans | 0.0% |
| Warren County, NC | 1 | Under 10 loans | 0.0% |
| Cambria County, PA | 1 | Under 10 loans | 0.0% |
| Carbon County, PA | 1 | Under 10 loans | 0.0% |
| Clearfield County, PA | 1 | Under 10 loans | 0.0% |
| Columbia County, PA | 1 | Under 10 loans | 0.0% |
| Lehigh County, PA | 1 | Under 10 loans | 0.0% |
| Lycoming County, PA | 1 | Under 10 loans | 0.0% |
| Mifflin County, PA | 1 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 1 | Under 10 loans | 0.0% |
| Potter County, PA | 1 | Under 10 loans | 0.0% |
| Somerset County, PA | 1 | Under 10 loans | 0.0% |
| Lexington County, SC | 1 | Under 10 loans | 0.0% |
| Arlington County, VA | 1 | Under 10 loans | 0.0% |
| Staunton city, VA | 1 | Under 10 loans | 0.0% |
| Greenbrier County, WV | 1 | Under 10 loans | 0.0% |
| Howard County, MD | 0 | Under 10 loans | Not published |
| Clinton County, PA | 0 | Under 10 loans | Not published |
| Indiana County, PA | 0 | Under 10 loans | Not published |
| Juniata County, PA | 0 | Under 10 loans | 50.0% |
| Monroe County, PA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.