# Orrstown Bank

> **Canonical URL:** https://saferate.com/lenders/orrstown-bank


> **📋 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


Orrstown Bank is a bank, headquartered in Shippensburg, PA, serving borrowers across 9 states, with 267 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 48% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930060KLIQD8MMSB55
- **Headquarters:** Shippensburg, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** CO, DE, FL, MD, NJ, NY, PA, SC, WI
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.279%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,681
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 267
- **Dollar Volume:** $99 million
- **Applications Received:** 323
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $370,693
- **Average Borrower Income:** $242,674
- **Average Property Value:** $492,528

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 59/100 | 217 | +0.269% | $1,656 | Sound ☺️ |
| FHA | 51/100 | 18 | +0.474% | $1,333 | Sound ☺️ |
| Jumbo | 69/100 | 28 | +0.159% | $2,369 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 185 loans, Score: 58/100 (Sound)
- Refinance: 32 loans, Score: 39/100 (Acceptable)

**Jumbo:**
- Purchase: 26 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 58/100 | 233 | $89M | +0.251% | Sound ☺️ |
| Refinance | 36/100 | 34 | $10M | +0.453% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 237 | 0.20% | 77/100 |
| MD | 20 | 0.03% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Harrisburg | PA | 69 | 78/100 |
| Lancaster, PA | PA | 52 | 75/100 |
| Chambersburg, PA | PA | 44 | 83/100 |
| York | PA | 32 | 60/100 |
| Baltimore | MD | 14 | 46/100 |
| Lebanon, PA | PA | 11 | 45/100 |
| Gettysburg, PA | PA | 10 | 46/100 |

## Where This Lender Ranks

Orrstown Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Chambersburg, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Lancaster, PA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Lancaster, PA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Harrisburg for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Harrisburg for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Harrisburg for Jumbo Loans
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Chambersburg, PA Banks
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/banks)
- 🏆 **#4** in Chambersburg, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Lebanon, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lebanon-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Gettysburg, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Chambersburg, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/fha-loans)
- 🏆 **#10** in Chambersburg, PA
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders)
- 🏆 **#12** in York Banks
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks)
- 🏆 **#13** in Harrisburg for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Harrisburg Banks
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/banks)
- 🏆 **#14** in Chambersburg, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#15** in York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Lancaster, PA Banks
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/banks)
- 🏆 **#16** in Lancaster, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Gettysburg, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Orrstown Bank offer?

Orrstown Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Orrstown Bank offer mortgages?

Orrstown Bank offers mortgages in 9 states: CO, DE, FL, MD, NJ, NY, PA, SC, WI.

### How competitive are Orrstown Bank's mortgage rates?

Orrstown Bank has a pricing score of 52/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.279% above market average.

### What type of lender is Orrstown Bank?

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

### What is Orrstown Bank's loan approval success rate?

Orrstown Bank has a pull-through score of 58/100 (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/orrstown-bank

### How to Cite

> "Orrstown Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/orrstown-bank

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