# Farmers and Merchants Trust Company of Chambersburg

> **Canonical URL:** https://saferate.com/lenders/farmers-and-merchants-trust-company-of-chambersburg


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Farmers and Merchants Trust Company of Chambersburg is a bank, headquartered in Chambersburg, PA, serving borrowers across 7 states, with 313 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 37% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493008E3WZYM5146L29
- **Headquarters:** Chambersburg, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** AL, DE, MD, NC, PA, VA, WV
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.173%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,198
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 313
- **Dollar Volume:** $115 million
- **Applications Received:** 448
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $368,578
- **Average Borrower Income:** $176,093
- **Average Property Value:** $477,364

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 283 | +0.175% | $1,215 | Strong 😀 |
| Jumbo | 65/100 | 19 | +0.544% | $895 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 264 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 293 | $111M | +0.150% | Strong 😀 |
| Refinance | 28/100 | 20 | $5M | +0.416% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 259 | 0.21% | 78/100 |
| WV | 28 | 0.18% | 57/100 |
| MD | 21 | 0.03% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Harrisburg | PA | 107 | 85/100 |
| Chambersburg, PA | PA | 76 | 97/100 |
| Hagerstown | MD-WV | 25 | 61/100 |
| Lancaster, PA | PA | 21 | 58/100 |
| York | PA | 21 | 53/100 |
| Non |  | 20 | 30/100 |

## Where This Lender Ranks

Farmers and Merchants Trust Company of Chambersburg appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Chambersburg, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Chambersburg, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Harrisburg for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Chambersburg, PA
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders)
- 🥈 **#2** in Chambersburg, PA Banks
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/banks)
- 🥉 **#3** in Hagerstown for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Harrisburg for Conventional Loans
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Hagerstown Banks
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/banks)
- 🏆 **#4** in Hagerstown for Conventional Loans
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Harrisburg Banks
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks)
- 🏆 **#9** in York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in York Banks
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks)
- 🏆 **#11** in Harrisburg
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders)
- 🏆 **#11** in Lancaster, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Hagerstown
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders)
- 🏆 **#15** in Lancaster, PA Banks
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/banks)
- 🏆 **#17** in Pennsylvania for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#18** in Pennsylvania for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in York for Conventional Loans
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Farmers and Merchants Trust Company of Chambersburg offer?

Farmers and Merchants Trust Company of Chambersburg offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Farmers and Merchants Trust Company of Chambersburg offer mortgages?

Farmers and Merchants Trust Company of Chambersburg offers mortgages in 7 states: AL, DE, MD, NC, PA, VA, WV.

### How competitive are Farmers and Merchants Trust Company of Chambersburg's mortgage rates?

Farmers and Merchants Trust Company of Chambersburg has a pricing score of 63/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.173% above market average.

### What type of lender is Farmers and Merchants Trust Company of Chambersburg?

Farmers and Merchants Trust Company of Chambersburg is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Chambersburg, PA.

### What is Farmers and Merchants Trust Company of Chambersburg's loan approval success rate?

Farmers and Merchants Trust Company of Chambersburg has a pull-through score of 59/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/farmers-and-merchants-trust-company-of-chambersburg

### How to Cite

> "Farmers and Merchants Trust Company of Chambersburg Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/farmers-and-merchants-trust-company-of-chambersburg

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