Orrstown Bank in Pennsylvania vs the state
21.0%Denial rate+2.72 pts vs state
22.2%Decision denial rate-0.05 pts vs state
72.8%Origination rate+11.83 pts vs state
5.50%Median rate-1.13 pts vs state
-2.78Rate spread (pts)-3.02 pts vs state
$99kMedian applicant income
880Loans originated
254Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,010 | 749 | 18.6% | 4.60% | #75 |
| 2024 | 1,113 | 800 | 20.4% | 5.63% | #75 |
| 2025 | 1,209 | 880 | 21.0% | 5.50% | #79 |
What Orrstown Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Orrstown Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 325 | 229 | 78 | 24.0% |
| Franklin County | 255 | 185 | 50 | 19.6% |
| Cumberland County | 239 | 174 | 53 | 22.2% |
| Lancaster County | 154 | 117 | 25 | 16.2% |
| Dauphin County | 67 | 49 | 12 | 17.9% |
| Adams County | 42 | 30 | 10 | 23.8% |
| Perry County | 33 | 20 | 12 | 36.4% |
| Berks County | 21 | 15 | 3 | 14.3% |
| Lebanon County | 19 | 16 | 2 | 10.5% |
| Chester County | 14 | 13 | 1 | 7.1% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 1,209 applications in 2025, of which 880 were originated and 254 denied.
21.0% of all applications, or 22.2% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Orrstown Bank originated in Pennsylvania in 2025 was 5.50%, against a statewide median of 6.63%.
About this data. Figures are Orrstown Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology