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Orrstown Bank

Bank•Shippensburg, PAHQ•Direct•Reviews near you on Google

Orrstown Bank has 267 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 7 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

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Report Card

Orrstown Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+27.9 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume217
Mix81.3%
Spread
+0.269%Above
Fees
$1,656Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing—
Pull Through
Strong
Volume18
Mix6.7%
Spread
+0.474%Above
Fees
$1,333Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume28
Mix10.5%
Spread
+0.159%Above
Fees
$2,369Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume233
Mix87.3%
Spread
+0.251%Above
Fees
$1,663Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Sound
Pull Through
Sound
Volume34
Mix12.7%
Spread
+0.453%Above
Fees
$1,792Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
267
Applications
323
Volume
$98 million
Pricing & Closing
Avg Rate Spread
+0.279%
vs. market APOR
Avg Net Fees
$1,681
Origination − Credits
Pullthrough Rate
82.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$370,693
Avg Borrower Income
$242,674
Avg Property Value
$492,528

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

9
9 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
NJNYPA
Midwest1
WI
South4
DEFLMDSC
West1
CO

Top Metro Areas by Place Specialization Score

1© Unknown · Public domain
Chambersburg, PAMetro
Volume 44Mix 16.48% of portfolio
83/100
Exceptional
2© Jeffrey Hayes · CC BY 2.0
Harrisburg, PAMetro
Volume 69Mix 25.84% of portfolio
78/100
Strong
3© Randolph Carney · CC BY-SA 3.0
Lancaster, PAMetro
Volume 52Mix 19.48% of portfolio
75/100
Strong
4© Smallbones · CC0
York, PAMetro
Volume 32Mix 11.99% of portfolio
60/100
Sound
5© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 14Mix 5.24% of portfolio
46/100
Sound
6© Joe Zlomek · CC BY-SA 3.0
Gettysburg, PAMetro
Volume 10Mix 3.75% of portfolio
46/100
Sound
7© Mr. Matté · CC BY-SA 4.0
Lebanon, PAMetro
Volume 11Mix 4.12% of portfolio
45/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 237Mix 88.76% of portfolio
77/100
Strong
Maryland
Maryland
2
MarylandState
Volume 20Mix 7.49% of portfolio
48/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.