Orrstown Bank mortgage approval rate & lending review
Orrstown Bank decided 2,699 mortgage applications and funded 2,131 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Orrstown Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Orrstown Bank at a glance
Approval is 4.4 points above the 76.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 744 / 812 | 99% | $255K | 735 |
| Home improvement loans | 71% | 559 / 787 | 99% | $105K | 552 |
| Cash-out refinance | 80% | 45 / 56 | 93% | $145K | 42 |
| Refinance | 77% | 617 / 803 | 97% | $175K | 597 |
| Investment property purchase | 95% | 175 / 185 | 98% | $145K | 171 |
| Investment refinance | 82% | 28 / 34 | 93% | $135K | 26 |
Orrstown Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 81% | $175K | 2,363 | 1,872 |
| Maryland | 78% | $155K | 294 | 222 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Orrstown Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, PA | Home improvement loans | 76% | 256 | 193 |
| Franklin County, PA | Refinance | 77% | 218 | 167 |
| Cumberland County, PA | Mortgage lenders | 93% | 157 | 146 |
| Franklin County, PA | Mortgage lenders | 88% | 164 | 141 |
| Lancaster County, PA | Mortgage lenders | 95% | 151 | 140 |
| Cumberland County, PA | Refinance | 73% | 173 | 120 |
| Cumberland County, PA | Home improvement loans | 69% | 172 | 117 |
| Lancaster County, PA | Refinance | 86% | 123 | 102 |
| York County, PA | Mortgage lenders | 91% | 105 | 96 |
| York County, PA | Refinance | 67% | 126 | 81 |
| York County, PA | Home improvement loans | 71% | 112 | 79 |
| Lancaster County, PA | Home improvement loans | 66% | 77 | 50 |
The county markets where Orrstown Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Orrstown Bank
What is Orrstown Bank's mortgage approval rate?
Orrstown Bank approved 80.7% of the 2,699 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.4 points above the 76.3% national rate for the same mix of loan types.
How often do borrowers take the loan Orrstown Bank offers?
Borrowers accepted 98% of the loans Orrstown Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Orrstown Bank make?
The typical home purchase mortgage loan Orrstown Bank made was $255K; across all loan types its typical loan ran from $105K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Orrstown Bank lend?
Orrstown Bank decided applications in 13 of the states Fat Boy Data covers, most of them in Pennsylvania, Maryland and Delaware.
Can I apply to Orrstown Bank directly?
Yes. Orrstown Bank is a bank or credit union with 43 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Orrstown Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Orrstown Bank treats applications, then get a rate quote from the lender.