First in its home market
It ranks 1 of 228 in Chambersburg, its largest market, though its share fell to 7.2% from 7.9%; growth of 3% against 10% for the whole market could account for that. Patriot Federal Credit Union ranks second.
Applications / Mortgage Analytics / Lenders / Pennsylvania / Farmers and Merchants Trust Company of Chambersburg
Farmers and Merchants Trust Company of Chambersburg
Chambersburg, PA · State non-member bank · FDIC · $2.2 billion assets · 692 loans in 2025
Farmers and Merchants Trust Company of Chambersburg's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
692
loans originated, 2025
977
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers and Merchants Trust Company of Chambersburg is the leading lender in Chambersburg, a purchase-focused bank that gained share in York-Hanover and Lancaster in 2025.
Gaining ground in nearby metros
Its share doubled in York-Hanover, to 1.0% from 0.5%, and rose to 0.6% from 0.3% in Lancaster, where it ranks 38 of 365. In Harrisburg-Carlisle it slipped to 1.2% from 1.6%, possibly because others grew faster there; Members 1st Federal Credit Union leads that market.
A purchase lender with more large loans
Purchases make up 53.2% of its loans. Its jumbo share (loans larger than the conforming limit), 6.2%, is higher than at more than eight in ten similar lenders (state non-member banks making between half and twice as many loans), who are at 1.9%. Its typical rate, 6.25%, is lower than similar lenders' 6.75%.
Fewer loans in lower-income and majority-minority tracts
Of its loans, 8.1% were in low- and moderate-income (LMI) tracts, against 15.5% at similar lenders, among the lowest tenth, and 1.3% in majority-minority tracts, against 8.1%. Its share to LMI borrowers, 27.5%, is close to similar lenders'. The neighbourhoods of the Pennsylvania markets it serves are one possible explanation.
Questions the data can answer next
- Which York-Hanover and Lancaster counties account for its share gains, and which lenders lost share there?
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
692 loans in 2025, against a peak of 1,231 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers and Merchants Trust Company of Chambersburg took 977 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
53.2% of its 2025 loans were purchase loans; 97.5% were Conventional.
Purchase 53.2% · Home improvement 17.8% · Refinance 17.8% · Other 11.3%
Conventional 97.5% · FHA 2.2% · USDA (RHS or FSA) 0.3% · of 692 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
8 states, 21 metros, 45 counties
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 606 | 87.6% |
| West Virginia | 47 | 6.8% |
| Maryland | 32 | 4.6% |
| New Jersey | 2 | 0.3% |
| Virginia | 2 | 0.3% |
| Delaware | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
| South Carolina | 1 | 0.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Chambersburg | 295 |
| Harrisburg-Carlisle | 137 |
| Hagerstown-Martinsburg | 50 |
| Lancaster | 31 |
| York-Hanover | 26 |
| Gettysburg | 14 |
| Baltimore-Columbia-Towson | 11 |
| Arlington-Alexandria-Reston | 10 |
| Montgomery County-Bucks County-Chester County | 8 |
| Reading | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008E3WZYM5146L29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 289515 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38405 | 1997–2017 |
Established 10 January 1906. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Farmers and Merchants Trust Company of Chambersburg's data.
The data and the software behind these pages
Farmers and Merchants Trust Company of Chambersburg's data
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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