Lender in Pennsylvania · HMDA 2025
Orrstown Bank mortgages in Pennsylvania
Orrstown Bank's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Orrstown Bank originated 256 owner-occupied single-family loans in Pennsylvania from 278 completed applications.
Its median conventional purchase loan costs were $4,570 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.00% (Pennsylvania: 6.625%).
Loans in PA
256
of 278 applications
Denial rate
4.8%
Purchase · PA 6.7%
Rate spread
−0.00 pts
Conv. · PA +0.17 pts
Loan amount
$255,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 230 | 217 | 4.8% | 6.000% | −0.00 pts | $4,570 | $255,000 |
| Refinance | 27 | 22 | 11.1% | — | +0.03 pts | $4,220 | $215,000 |
| Cash-out refinance | 21 | 17 | 14.3% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Orrstown Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Franklin County | 13 | 39 | 1.9% |
| Fulton County | 14 | 2 | 1.7% |
| Cumberland County | 20 | 50 | 1.5% |
| York County | 22 | 66 | 1.1% |
| Perry County | 24 | 5 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology