Farmers and Merchants Trust Company of Chambersburg closing costs and rates (2024)
In 2024, Farmers and Merchants Trust Company of Chambersburg originated 293 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $5,152. That is $1,589 below the national median of $6,741. Farmers and Merchants Trust Company of Chambersburg is most active in Pennsylvania with 249 originations there.
Purchase Originations
293
Median Total Costs
$5,152
−23.6% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$950
Median Lender Credits
$135
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 281 | 6.625% | $5,097 | $950 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 249 | 6.625% | $5,024 | #89 |
| West Virginia | 23 | 6.740% | $5,653 | — |
| Maryland | 18 | 6.562% | $6,585 | — |
| Alabama | 1 | 6.875% | $3,327 | — |
| North Carolina | 1 | 6.375% | $3,930 | — |
| Virginia | 1 | 7.500% | $6,016 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,330 | 6.500% | — | 1 | −$1,822 | |
| 2 | $4,457 | 6.625% | — | 71 | −$695 | |
| 3 | $4,459 | 6.875% | — | 11 | −$693 | |
| 4 | $4,744 | 6.875% | — | 21 | −$408 | |
| 5 | $4,885 | 6.312% | — | 20 | −$267 | |
| 6 | $4,936 | 6.562% | — | 2 | −$216 | |
| 7 | $5,045 | 6.562% | — | 64 | −$107 | |
| 8 | $5,061 | 6.750% | — | 19 | −$91 | |
| 9 | $5,073 | 6.750% | — | 9 | −$79 | |
| 10 | $5,120 | 6.500% | — | 3 | −$32 | |
| 11 | $5,651 | 7.562% | — | 4 | +$499 | |
| 12 | $5,652 | 6.375% | — | 3 | +$500 | |
| 13 | $5,663 | 6.740% | — | 19 | +$511 | |
| 14 | $5,701 | 6.500% | — | 10 | +$549 | |
| 15 | $5,777 | 6.750% | — | 9 | +$625 | |
| 16 | $6,047 | 5.995% | — | 2 | +$895 | |
| 17 | $7,081 | 6.375% | — | 3 | +$1,929 | |
| 18 | $7,712 | 6.183% | — | 4 | +$2,560 | |
| 19 | $7,772 | 6.750% | — | 4 | +$2,620 | |
| 20 | $8,174 | 6.750% | — | 3 | +$3,022 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.