# Community State Bank of Orbisonia

> **Canonical URL:** https://saferate.com/lenders/community-state-bank-of-orbisonia


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Community State Bank of Orbisonia is a bank, headquartered in Orbisonia, PA, with 77 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300YUVOQXC2XL4P90
- **Headquarters:** Orbisonia, PA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** PA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.110%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $520
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 77
- **Dollar Volume:** $15 million
- **Applications Received:** 102
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $199,026
- **Average Borrower Income:** $108,026
- **Average Property Value:** $325,779

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 77 | +0.110% | $520 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 53 loans, Score: 38/100 (Acceptable)
- Refinance: 24 loans, Score: 34/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 53 | $13M | -0.019% | Acceptable 🙂 |
| Refinance | 31/100 | 24 | $2M | +0.398% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 77 | 0.06% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 63 | 56/100 |
| Chambersburg, PA | PA | 13 | 55/100 |

## Where This Lender Ranks

Community State Bank of Orbisonia appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#8** in Chambersburg, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Community State Bank of Orbisonia offer?

Community State Bank of Orbisonia offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Community State Bank of Orbisonia offer mortgages?

Community State Bank of Orbisonia offers mortgages in 1 states: PA.

### How competitive are Community State Bank of Orbisonia's mortgage rates?

Community State Bank of Orbisonia has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.110% above market average.

### What type of lender is Community State Bank of Orbisonia?

Community State Bank of Orbisonia is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Orbisonia, PA.

### What is Community State Bank of Orbisonia's loan approval success rate?

Community State Bank of Orbisonia has a pull-through score of 41/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/community-state-bank-of-orbisonia

### How to Cite

> "Community State Bank of Orbisonia Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/community-state-bank-of-orbisonia

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