Lender profile · HMDA 2023–2025
Farmers and Merchants Trust Company of Chambersburg mortgage approval rates & lending data
Farmers and Merchants Trust Company of Chambersburg decided 1,780 mortgage applications and funded 1,496 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 751 / 815 | 99% | $265K | 740 |
| Home improvement loans | 73% | 256 / 353 | 96% | $65K | 246 |
| Cash-out refinance | 69% | 20 / 29 | 100% | $185K | 20 |
| Refinance | 83% | 304 / 367 | 97% | $105K | 295 |
| Investment property purchase | 96% | 140 / 146 | 96% | $165K | 134 |
| Investment refinance | 94% | 32 / 34 | 97% | $175K | 31 |
| Investment home improvement | 90% | 27 / 30 | 93% | $65K | 25 |
Farmers and Merchants Trust Company of Chambersburg lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 86% | $165K | 1,589 | 1,332 |
| Maryland | 83% | $575K | 109 | 88 |
| West Virginia | 93% | $395K | 73 | 68 |
| Virginia | 67% | $1.25M | 3 | 2 |
| Delaware | 100% | $325K | 2 | 2 |
| Florida | 100% | $315K | 2 | 2 |
| New Jersey | 100% | $335K | 1 | 1 |
| South Carolina | 100% | $405K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.