What loan types does Community State Bank of Orbisonia offer?

Community State Bank of Orbisonia offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Community State Bank of Orbisonia offer mortgages?

Community State Bank of Orbisonia offers mortgages in 1 states: PA.

How competitive are Community State Bank of Orbisonia's mortgage rates?

Community State Bank of Orbisonia has an overall pricing score of 33.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Community State Bank of Orbisonia?

Community State Bank of Orbisonia is a Bank headquartered in Orbisonia, PA.

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Community State Bank of Orbisonia

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

Community State Bank of Orbisonia has 77 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Community State Bank of Orbisonia performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+11.0 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

77 loans · 0.11% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

53 loans · 0.02% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

24 loans · 0.40% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Acceptable	Sound	77	100.0%	+0.110%Above	$520Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Acceptable

Pull Through

Sound

Volume77

Mix100.0%

Spread

+0.110%Above

Fees

$520Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Sound	Sound	53	68.8%	-0.019%Below	$595Fees
Refinance	Sound	Acceptable	—	Sound	24	31.2%	+0.398%Above	$351Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume53

Mix68.8%

Spread

-0.019%Below

Fees

$595Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume24

Mix31.2%

Spread

+0.398%Above

Fees

$351Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

102

Volume

$15 million

Pricing & Closing

Avg Rate Spread

+0.110%

vs. market APOR

Avg Net Fees

$520

Origination − Credits

Pullthrough Rate

75.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$199,026

Avg Borrower Income

$108,026

Avg Property Value

$325,779

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

Top Metro Areas by Place Specialization Score

Chambersburg, PAMetro

Volume 13Mix 16.88% of portfolio

55/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 77Mix 100.00% of portfolio

68/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.