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Multifamily record
Farmers and Merchants Trust Company of Chambersburg: multifamily loans made
Farmers and Merchants Trust Company of Chambersburg, a bank based in Chambersburg, PA, made 13 multifamily loans in 2024 and 2025, $24.5M in all, in 3 states. The typical loan was about $1M, and the largest about $12M. Most were in Franklin County, PA.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 13
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $24.5M
- HMDA,
- Rounded amounts
- Typical loan
- $1M
- HMDA,
- Largest loan
- $12M
- HMDA,
- Rounded to 2 significant figures
- States
- 3
- HMDA,
Cite this
Source: The Lender Report, Farmers and Merchants Trust Company of Chambersburg: multifamily loans made, https://lender.report/lender/farmers-and-merchants-trust-company-of-chambersburg-pa/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | York County, PA | Refinance, 50 to 99 units | $12M | 6.81% | 10 yr | 69% | HMDA 2025 |
| 2025 | Berks County, PA | Refinance, 50 to 99 units | $3.7M | 7.25% | 10 yr | 38% | HMDA 2025 |
| 2025 | Cumberland County, PA | Improvement, 5 to 24 units | $1.3M | 7.5% | 10 yr | 59% | HMDA 2025 |
| 2025 | Franklin County, PA | Refinance, 5 to 24 units | $1.2M | 7.75% | 10 yr | 60% | HMDA 2025 |
| 2024 | Franklin County, PA | Refinance, 25 to 49 units | $1.5M | 7.35% | 10 yr | 43% | HMDA 2024 |
| 2024 | Franklin County, PA | Purchase, 5 to 24 units | $1.2M | 7% | 10 yr | 71% | HMDA 2024 |
| 2024 | York County, PA | Purchase, 5 to 24 units | $1M | 7.5% | 10 yr | 62% | HMDA 2024 |
| 2024 | Washington County, MD | Purchase, 5 to 24 units | $640K | 7.5% | 10 yr | 80% | HMDA 2024 |
| 2024 | Franklin County, PA | Purchase, 5 to 24 units | $600K | 7.5% | 10 yr | 68% | HMDA 2024 |
| 2024 | Berkeley County, WV | Purchase, 5 to 24 units | $460K | 7.25% | 10 yr | 80% | HMDA 2024 |
| 2024 | Franklin County, PA | Refinance, 5 to 24 units | $460K | 7.5% | 10 yr | 75% | HMDA 2024 |
| 2024 | Franklin County, PA | Improvement, 5 to 24 units | $260K | 7.75% | 72% | HMDA 2024 | |
| 2024 | Cumberland County, PA | Purchase, 5 to 24 units | $160K | 7.9% | 10 yr | 80% | HMDA 2024 |
| 13 multifamily loans made in 2024 and 2025 | $24.5M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Franklin County, PA | County | 6 | $5.22M |
| Cumberland County, PA | County | 2 | $1.46M |
| York County, PA | County | 2 | $13.0M |
| Berkeley County, WV | County | 1 | $460K |
| Berks County, PA | County | 1 | $3.70M |
| Washington County, MD | County | 1 | $640K |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 6 | $2.58M |
| $1M to $2.5M | 5 | $6.20M |
| $2.5M to $5M | 1 | $3.70M |
| $5M to $10M | 0 | $0 |
| $10M or more | 1 | $12.0M |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 9 | $6.28M | $600K |
| 2025 | 4 | $18.2M | $3.7M |
| Purpose | Loans |
|---|---|
| Purchase | 6 |
| Refinance | 5 |
| Improvement | 2 |
| Units | Loans |
|---|---|
| 5 to 24 units | 10 |
| 25 to 49 units | 1 |
| 50 to 99 units | 2 |
- Farmers and Merchants Trust Company of Chambersburg made 13 multifamily loans totaling $24.5M in 2024 and 2025, in 6 named places across 3 states. HMDA,
- It made 4 of them in 2025 and 9 in 2024. HMDA,
- The typical loan was about $1M, with the middle half between $460K and $1.3M. HMDA,
- The largest was about $12M. Every amount is rounded to 2 significant figures. HMDA,
- 6 loans were under $1M, and 1 was $5M or more. HMDA,
- It reported a median rate of 7.50% on 13 loans, with the middle half between 7.25% and 7.50%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 69%. HMDA,
- 38% of the loans were refinancings and 46% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 10 loans. HMDA,
- Its loans were most often in Franklin County, PA (6), Cumberland County, PA (2) and York County, PA (2). HMDA,
What we don't know
- Whether Farmers and Merchants Trust Company of Chambersburg is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.