Orrstown Bank in Maryland vs the state
20.8%Denial rate+1.98 pts vs state
22.5%Decision denial rate-1.59 pts vs state
70.1%Origination rate+14.42 pts vs state
4.35%Median rate-2.28 pts vs state
-2.99Rate spread (pts)-3.24 pts vs state
$132kMedian applicant income
162Loans originated
48Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 100 | 24.5% | 4.57% | #170 |
| 2024 | 155 | 105 | 22.6% | 4.35% | #177 |
| 2025 | 231 | 162 | 20.8% | 4.35% | #145 |
What Orrstown Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Orrstown Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baltimore County | 82 | 61 | 15 | 18.3% |
| Baltimore city | 34 | 24 | 4 | 11.8% |
| Harford County | 27 | 21 | 6 | 22.2% |
| Washington County | 25 | 19 | 4 | 16.0% |
| Anne Arundel County | 20 | 12 | 7 | 35.0% |
| Howard County | 13 | 11 | 1 | 7.7% |
| Carroll County | 12 | 6 | 4 | 33.3% |
| Frederick County | 5 | 3 | 1 | 20.0% |
| Montgomery County | 4 | 1 | 2 | 50.0% |
| Cecil County | 2 | 1 | 1 | 50.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 231 applications in 2025, of which 162 were originated and 48 denied.
20.8% of all applications, or 22.5% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Orrstown Bank originated in Maryland in 2025 was 4.35%, against a statewide median of 6.63%.
About this data. Figures are Orrstown Bank's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology