Farmers and Merchants Trust Company of Chambersburg in West Virginia vs the state
6.7%Denial rate-14.52 pts vs state
7.8%Decision denial rate-18.82 pts vs state
78.3%Origination rate+23.54 pts vs state
6.38%Median rate-0.25 pts vs state
-0.02Rate spread (pts)-0.42 pts vs state
$148kMedian applicant income
47Loans originated
4Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 49 | 28 | 12.2% | 6.31% | #131 |
| 2024 | 65 | 44 | 6.2% | 6.74% | #113 |
| 2025 | 60 | 47 | 6.7% | 6.38% | #126 |
What Farmers and Merchants Trust Company of Chambersburg lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Farmers and Merchants Trust Company of Chambersburg applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 35 | 29 | 2 | 5.7% |
| Morgan County | 11 | 6 | 2 | 18.2% |
| Jefferson County | 10 | 9 | 0 | 0.0% |
| Preston County | 2 | 2 | 0 | 0.0% |
| Greenbrier County | 1 | 1 | 0 | 0.0% |
| Monongalia County | 1 | 0 | 0 | 0.0% |
Other large lenders in West Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,615 | 23.0% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 3,214 | 38.5% | 9.99% |
| City National Bank of West Virginia | C | 2,870 | 25.0% | 6.29% |
| The Huntington National Bank | D | 2,194 | 28.1% | 7.00% |
| Truist Bank | C | 1,776 | 31.1% | 6.63% |
| Loandepot.Com | D | 1,624 | 18.7% | 6.58% |
| Mortgage Research Center | C | 1,592 | 17.4% | 6.25% |
| WesBanco Bank | B | 1,475 | 16.7% | 6.01% |
| Movement Mortgage | A | 1,167 | 5.4% | 6.63% |
| Crosscountry Mortgage | B | 1,140 | 4.0% | 6.58% |
Frequently asked questions
West Virginia: 60 applications in 2025, of which 47 were originated and 4 denied.
6.7% of all applications, or 7.8% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Farmers and Merchants Trust Company of Chambersburg originated in West Virginia in 2025 was 6.38%, against a statewide median of 6.62%.
About this data. Figures are Farmers and Merchants Trust Company of Chambersburg's own HMDA filing for properties located in West Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology