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Farmers and Merchants Trust Company of Chambersburg

Bank•Chambersburg, PAHQ•Direct•Reviews near you on Google

Farmers and Merchants Trust Company of Chambersburg has 313 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 5 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees
  • Particularly strong in Conventional and Jumbo loans

Explore another lender or local market

Report Card

Farmers and Merchants Trust Company of Chambersburg performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+17.3 bps above market avg
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
283 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
Jumbo
19 loans · 0.54% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
293 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
Refinance
20 loans · 0.42% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume283
Mix90.4%
Spread
+0.175%Above
Fees
$1,215Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing—
Pull Through
Sound
Volume19
Mix6.1%
Spread
+0.544%Above
Fees
$895Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume293
Mix93.6%
Spread
+0.150%Above
Fees
$1,189Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Sound
Volume20
Mix6.4%
Spread
+0.416%Above
Fees
$1,296Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
313
Applications
448
Volume
$115 million
Pricing & Closing
Avg Rate Spread
+0.173%
vs. market APOR
Avg Net Fees
$1,198
Origination − Credits
Pullthrough Rate
69.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$368,578
Avg Borrower Income
$176,093
Avg Property Value
$477,364

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

7Full-year 2024 · HMDA
7 states with loan originations
Loans originated
< 2020+None
Northeast1
PA
South6
ALDEMDNCVAWV

Top Metro Areas by Place Specialization Score

1© Unknown · Public domain
Chambersburg, PAMetro
Volume 76Mix 24.28% of portfolio
97/100
Exceptional
2© Jeffrey Hayes · CC BY 2.0
Harrisburg, PAMetro
Volume 107Mix 34.19% of portfolio
85/100
Exceptional
3© Vpuliva · Public domain
Hagerstown, MD-WVMetro
Volume 25Mix 7.99% of portfolio
61/100
Strong
4© Randolph Carney · CC BY-SA 3.0
Lancaster, PAMetro
Volume 21Mix 6.71% of portfolio
58/100
Sound
5© Smallbones · CC0
York, PAMetro
Volume 21Mix 6.71% of portfolio
53/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 259Mix 82.75% of portfolio
78/100
Strong
West Virginia
West Virginia
2
West VirginiaState
Volume 28Mix 8.95% of portfolio
57/100
Sound
Maryland
Maryland
3
MarylandState
Volume 21Mix 6.71% of portfolio
48/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.