Orrstown Bank
Orrstown Bank received 1,468 applications in 2025 and made 1,063 mortgages, in 63 counties across 11 states. The median rate its borrowers got was 5.500% on a median loan of $195,000. Of 1,384 decisions, 305 were denials — 22.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930060KLIQD8MMSB55 |
|---|---|
| Applications received | 1,468 |
| Mortgages made | 1,063 |
| Denied | 305 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 84 |
| Loans bought from other lenders | 24 |
| Median rate spread over the prime offer rate | -2.78 points |
| FDIC-insured bank | Yes: Orrstown Bank, 43 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 377 | 6.490% | $265,000 | 8.4% |
| Refinancing | 282 | 6.250% | $180,000 | 23.9% |
| Cash-out refinancing | 20 | 6.750% | $200,000 | 22.2% |
| Other purposes | 384 | 2.990% | $115,000 | 30.9% |
Where Orrstown Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| York County, PA | 229 | 4.600% | 25.2% |
| Franklin County, PA | 185 | 4.350% | 20.9% |
| Cumberland County, PA | 174 | 5.990% | 23.1% |
| Lancaster County, PA | 117 | 5.750% | 17.5% |
| Baltimore County, MD | 61 | 3.240% | 19.5% |
| Dauphin County, PA | 49 | 6.500% | 19.1% |
| Adams County, PA | 30 | 6.750% | 24.4% |
| Baltimore city, MD | 24 | 5.750% | 13.8% |
| Harford County, MD | 21 | 5.875% | 22.2% |
| Perry County, PA | 20 | 3.240% | 37.5% |
| Washington County, MD | 19 | 3.240% | 17.4% |
| Lebanon County, PA | 16 | 6.245% | 11.1% |
| Berks County, PA | 15 | 6.250% | 16.7% |
| Chester County, PA | 13 | 3.240% | 7.1% |
| Anne Arundel County, MD | 12 | 3.115% | 36.8% |
| Howard County, MD | 11 | 4.350% | 8.3% |
| New Castle County, DE | 7 | Under 10 loans | 0.0% |
| Carroll County, MD | 6 | Under 10 loans | 40.0% |
| Montgomery County, PA | 5 | Under 10 loans | 16.7% |
| Fulton County, PA | 4 | Under 10 loans | 33.3% |
| Frederick County, MD | 3 | Under 10 loans | 25.0% |
| Huntingdon County, PA | 3 | Under 10 loans | 0.0% |
| Cape May County, NJ | 2 | Under 10 loans | 0.0% |
| Centre County, PA | 2 | Under 10 loans | 0.0% |
| Juniata County, PA | 2 | Under 10 loans | 0.0% |
| Lehigh County, PA | 2 | Under 10 loans | 50.0% |
| Mifflin County, PA | 2 | Under 10 loans | 0.0% |
| Somerset County, PA | 2 | Under 10 loans | 0.0% |
| Kent County, DE | 1 | Under 10 loans | 0.0% |
| Sussex County, DE | 1 | Under 10 loans | 0.0% |
| District of Columbia, DC | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Allegany County, MD | 1 | Under 10 loans | 0.0% |
| Cecil County, MD | 1 | Under 10 loans | 50.0% |
| Montgomery County, MD | 1 | Under 10 loans | 50.0% |
| Prince George's County, MD | 1 | Under 10 loans | 50.0% |
| St. Mary's County, MD | 1 | Under 10 loans | 0.0% |
| Clinton County, NY | 1 | Under 10 loans | 0.0% |
| Van Wert County, OH | 1 | Under 10 loans | 0.0% |
| Allegheny County, PA | 1 | Under 10 loans | 0.0% |
| Bucks County, PA | 1 | Under 10 loans | 50.0% |
| Carbon County, PA | 1 | Under 10 loans | 0.0% |
| Clinton County, PA | 1 | Under 10 loans | 0.0% |
| Columbia County, PA | 1 | Under 10 loans | 0.0% |
| Luzerne County, PA | 1 | Under 10 loans | 0.0% |
| Lycoming County, PA | 1 | Under 10 loans | 0.0% |
| Monroe County, PA | 1 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 1 | Under 10 loans | 50.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.