Farmers and Merchants Trust Company of Chambersburg in Pennsylvania vs the state
14.7%Denial rate-3.58 pts vs state
16.6%Decision denial rate-5.59 pts vs state
71.3%Origination rate+10.33 pts vs state
6.25%Median rate-0.38 pts vs state
-0.26Rate spread (pts)-0.50 pts vs state
$101kMedian applicant income
606Loans originated
125Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 790 | 588 | 17.0% | 5.63% | #94 |
| 2024 | 810 | 585 | 14.7% | 6.38% | #100 |
| 2025 | 850 | 606 | 14.7% | 6.25% | #108 |
What Farmers and Merchants Trust Company of Chambersburg lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Farmers and Merchants Trust Company of Chambersburg applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 395 | 295 | 61 | 15.4% |
| Cumberland County | 139 | 104 | 16 | 11.5% |
| Fulton County | 57 | 41 | 11 | 19.3% |
| Huntingdon County | 53 | 24 | 25 | 47.2% |
| Lancaster County | 45 | 31 | 1 | 2.2% |
| Dauphin County | 38 | 27 | 2 | 5.3% |
| York County | 35 | 26 | 1 | 2.9% |
| Adams County | 26 | 14 | 6 | 23.1% |
| Berks County | 8 | 8 | 0 | 0.0% |
| Perry County | 7 | 6 | 1 | 14.3% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 850 applications in 2025, of which 606 were originated and 125 denied.
14.7% of all applications, or 16.6% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Farmers and Merchants Trust Company of Chambersburg originated in Pennsylvania in 2025 was 6.25%, 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology