Orrstown Bank has 267 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
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Explore another lender or local market
Report Card
Orrstown Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+27.9 bps above market avg
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
217 loans · 0.27% above market
Sound
Top 60% of lenders
3/5
FHA
18 loans · 0.47% above market
Sound
Top 60% of lenders
3/5
Jumbo
28 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
233 loans · 0.25% above market
Sound
Top 60% of lenders
3/5
Refinance
34 loans · 0.45% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 217 | 81.3% | +0.269%Above | $1,656Fees | ||||
FHA Loans | — | 18 | 6.7% | +0.474%Above | $1,333Fees | |||
Jumbo Loans | — | 28 | 10.5% | +0.159%Above | $2,369Fees |
Conventional
OverallStrong
ProductSound
PricingSound
Pull ThroughStrong
Volume217
Mix81.3%
Spread
+0.269%Above
Fees
$1,656Fees
FHA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume18
Mix6.7%
Spread
+0.474%Above
Fees
$1,333Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume28
Mix10.5%
Spread
+0.159%Above
Fees
$2,369Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 233 | 87.3% | +0.251%Above | $1,663Fees | ||||
Refinance | 34 | 12.7% | +0.453%Above | $1,792Fees |
Purchase
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
Volume233
Mix87.3%
Spread
+0.251%Above
Fees
$1,663Fees
Refinance
OverallSound
ProductAcceptable
PricingSound
Pull ThroughSound
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
9Full-year 2024 · HMDALoans originated
< 2020+None
Northeast3
NJNYPA
Midwest1
WI
South4
DEFLMDSC
West1
CO
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.
Looking for a different lender?
Are you the owner of Orrstown Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.