Farmers and Merchants Trust Company of Chambersburg in Maryland vs the state
12.7%Denial rate-6.07 pts vs state
18.0%Decision denial rate-6.18 pts vs state
58.2%Origination rate+2.47 pts vs state
6.44%Median rate-0.19 pts vs state
0.07Rate spread (pts)-0.18 pts vs state
$201kMedian applicant income
32Loans originated
7Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 36 | 8.5% | 6.13% | #301 |
| 2024 | 62 | 40 | 12.9% | 6.50% | #280 |
| 2025 | 55 | 32 | 12.7% | 6.44% | #310 |
What Farmers and Merchants Trust Company of Chambersburg lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Farmers and Merchants Trust Company of Chambersburg applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 17 | 15 | 0 | 0.0% |
| Carroll County | 14 | 5 | 4 | 28.6% |
| Frederick County | 12 | 4 | 1 | 8.3% |
| Harford County | 4 | 2 | 2 | 50.0% |
| Baltimore County | 3 | 3 | 0 | 0.0% |
| Anne Arundel County | 2 | 1 | 0 | 0.0% |
| Worcester County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Howard County | 1 | 0 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 55 applications in 2025, of which 32 were originated and 7 denied.
12.7% of all applications, or 18.0% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Farmers and Merchants Trust Company of Chambersburg originated in Maryland in 2025 was 6.44%, against a statewide median of 6.63%.
About this data. Figures are Farmers and Merchants Trust Company of Chambersburg's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology