Orrstown Bank Mortgage Rates, Fees & Info

Shippensburg, PA

LEI: 54930060KLIQD8MMSB55

Tax ID: 23-0934350

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Orrstown Bank is a smaller bank specializing in Home Purchase and Refi loans. Orrstown Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Harrisburg, Chambersburg, Lancaster, York, and Philadelphia among others. We have data for 28 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Orrstown Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Orrstown Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 3.57% 12/16/24
    30 Year Conventional Purchase 6.60% 12/16/24
    30 Year Conventional Refi 6.62% 12/16/24
    30 Year Cash-out Refi 6.75% 12/16/24
    30 Year FHA Purchase 7.37% 12/16/24
    30 Year VA Purchase 6.31% 12/16/24
    30 Year USDA Purchase 7.03% 12/16/24
    15 Year Conventional Purchase 6.20% 12/16/24
    15 Year Conventional Refi 6.09% 12/16/24
    15 Year Cash-out Refi 6.09% 12/16/24
    15 Year FHA Refi 6.90% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Orrstown Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Orrstown Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,303

    Origination Dollar Volume (All Markets)

    $224,215,000

    Employee count

    373 Show all (13) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 474 $74,660,000 $157,511 $3,772 4.48%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 462 $63,290,000 $136,991 $3,184 4.49%
    LANCASTER, PA (FHA|USDA|VA) 176 $48,530,000 $275,739 $4,973 4.34%
    YORK-HANOVER, PA (FHA|USDA|VA) 41 $6,295,000 $153,537 $3,969 4.58%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 11 $4,355,000 $395,909 $5,703 5.02%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 9 $4,295,000 $477,222 $7,979 3.98%
    LEBANON, PA (FHA|USDA|VA) 24 $4,000,000 $166,667 $4,000 4.65%
    READING, PA (FHA|USDA|VA) 17 $3,715,000 $218,529 $4,076 4.69%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 31 $3,265,000 $105,323 $3,395 4.66%
    GETTYSBURG, PA (FHA|USDA|VA) 16 $3,190,000 $199,375 $4,732 4.48%
    Outside of Metro Areas 14 $2,080,000 $148,571 $3,348 4.77%
    Easton, MD (FHA|USDA|VA) 1 $995,000 $995,000 $10,401 4.25%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $935,000 $187,000 $9,174 4.22%
    OCEAN CITY, NJ (FHA|USDA|VA) 2 $690,000 $345,000 $4,019 4.06%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $590,000 $295,000 $2,951 4.63%
    Huntingdon, PA (FHA|USDA|VA) 3 $475,000 $158,333 $0 4.50%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $425,000 $425,000 $2,889 4.88%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $420,000 $210,000 $0 3.87%
    Fairmont, WV (FHA|USDA|VA) 1 $385,000 $385,000 $6,286 5.38%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $360,000 $180,000 $3,344 4.31%
    EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $265,000 $265,000 $5,881 5.38%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $255,000 $255,000 $3,084 5.25%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $205,000 $205,000 $2,806 4.75%
    WILLIAMSPORT, PA (FHA|USDA|VA) 1 $195,000 $195,000 $3,342 4.38%
    Selinsgrove, PA (FHA|USDA|VA) 1 $145,000 $145,000 $5,339 4.63%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $125,000 $125,000 $2,676 4.00%
    DuBois, PA (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.50%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $30,000 $15,000 $0 2.86%
    Orrstown Bank's top markets include Harrisburg, Chambersburg, Lancaster, York, and Philadelphia among others.

    Their top states include:
  • Pennsylvania (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • District of Columbia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Orrstown Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    APL
    Similarity Rank: 32
    PATRIOT
    Similarity Rank: 42
    VISIONS
    Similarity Rank: 50
    The Glen Burnie Mutual Savings Bank
    Similarity Rank: 54
    Iron Workers Savings Bank
    Similarity Rank: 63
    City National Bank of West Virginia
    Similarity Rank: 76
    Haddon Savings Bank
    Similarity Rank: 116
    FIRST FINANCIAL OF MARYLAND
    Similarity Rank: 126
    FIDELITY SAVINGS AND LOAN ASSOCIATION OF BUCKS COUNTY
    Similarity Rank: 126
    Columbia Bank
    Similarity Rank: 136

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 629 $144,655,000 $229,976 $3,332 4.90%
    HELOC 535 $55,675,000 $104,065 n/a 4.05%
    FHA 89 $14,705,000 $165,225 $6,121 4.27%
    USDA 34 $5,150,000 $151,471 $4,755 4.31%
    VA 16 $4,030,000 $251,875 $6,109 4.23%

    For 2018, Orrstown Bank's most frequently originated type of loan was Conventional, with 629 originations. Their 2nd most popular type was HELOC, with 535 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 631 $122,485,000 $194,113 $4,245 4.70%
    Refi 307 $65,315,000 $212,752 $2,271 4.30%
    Home Improvement 177 $17,805,000 $100,593 $819 4.18%
    Other 150 $12,610,000 $84,067 $1,111 4.20%
    Cash Out Refi 38 $6,000,000 $157,895 $3,524 4.88%

    For 2018, Orrstown Bank's most frequently cited loan purpose was Home Purchase, with 631 originations. The 2nd most popular reason was Refi, with 307 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,055 $152,905,000 $144,934 $4,087 4.38%
    10 Year 85 $44,295,000 $521,118 $921 5.19%
    15 Year 73 $9,775,000 $133,904 $2,498 4.69%
    20 Year 43 $6,335,000 $147,326 $2,965 4.72%
    30+ year 18 $7,630,000 $423,889 $7,318 4.97%
    Other 15 $2,385,000 $159,000 $3,056 4.65%
    5 Year 10 $470,000 $47,000 $203 4.65%
    1 Year 3 $405,000 $135,000 $0 5.33%
    3 Year 1 $15,000 $15,000 $496 5.50%

    For 2018, Orrstown Bank's most frequently cited loan duration was 30 Year, with 1,055 originations. The 2nd most popular length was 10 Year, with 85 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 545 $88,015,000 $161,495
    $1k-2k 67 $11,985,000 $178,881
    $2k-3k 23 $6,835,000 $297,174
    $3k-4k 19 $8,575,000 $451,316
    $4k-5k 5 $2,735,000 $547,000
    $5k+ 5 $2,785,000 $557,000

    Orrstown Bank's average total fees were $4,087, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 545 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 636 $129,890,000 $204,230
    3-4% 276 $38,890,000 $140,906
    5-6% 206 $33,470,000 $162,476
    <2.5% 102 $11,530,000 $113,039
    6-7% 59 $5,365,000 $90,932
    7-8% 17 $1,135,000 $66,765
    Over 8% 6 $430,000 $71,667
    2.5-3% 1 $3,505,000 $3,505,000

    During 2018, Orrstown Bank's average interest rate for loans was 4.38%, while their most frequently originated rate bucket for loans was 4-5%, with 636 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 524 $73,290,000 $139,866 $3,780 4.43%
    $100,000 or less 464 $24,540,000 $52,888 $1,949 4.55%
    $200k-400k 251 $64,955,000 $258,785 $4,687 4.47%
    $400k-600k 42 $19,830,000 $472,143 $6,275 4.36%
    $600k-1MM 14 $10,470,000 $747,857 $9,650 4.87%
    $1MM+ 8 $31,130,000 $3,891,250 $0 4.49%

    2018 saw Orrstown Bank place emphasis on $100k-200k loans with 524 originations, totaling $73,290,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 309 $36,105,000 $116,845 $3,579 4.51%
    $50k or less 267 $25,465,000 $95,375 $3,336 4.44%
    $100k-150k 231 $38,035,000 $164,654 $3,984 4.37%
    $75k-100k 217 $31,275,000 $144,124 $4,129 4.48%
    $150k-250k 136 $26,930,000 $198,015 $4,158 4.42%
    $250k+ 80 $23,700,000 $296,250 $6,233 4.44%

    Orrstown Bank lent most frequently to those with incomes in the $50k-75k range, with 309 originations. The second most popular income band? $50k or less, with 267 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 346 $46,000,000 $132,948 $3,269 4.42%
    30-36% 229 $29,905,000 $130,590 $3,700 4.55%
    <20% 162 $21,100,000 $130,247 $3,011 4.11%
    42% 73 $10,425,000 $142,808 $5,590 4.23%
    41% 50 $9,530,000 $190,600 $3,923 4.64%
    40% 45 $10,785,000 $239,667 $5,020 4.54%
    36% 40 $5,640,000 $141,000 $3,917 4.23%
    37% 35 $6,855,000 $195,857 $5,051 4.22%
    39% 33 $5,775,000 $175,000 $3,906 4.57%
    38% 30 $4,140,000 $138,000 $3,400 4.88%
    44% 28 $4,550,000 $162,500 $3,597 4.54%
    43% 24 $4,750,000 $197,917 $4,905 4.36%
    50-60% 23 $3,965,000 $172,391 $6,019 4.24%
    47% 19 $2,975,000 $156,579 $3,500 4.79%
    49% 17 $2,715,000 $159,706 $3,892 4.80%
    45% 15 $2,335,000 $155,667 $4,962 4.37%
    46% 13 $1,885,000 $145,000 $4,532 4.52%
    48% 11 $2,055,000 $186,818 $3,737 4.98%
    >60% 5 $1,255,000 $251,000 $5,107 4.73%

    Orrstown Bank lent most frequently to those with DTI ratios of 20-30%, with 346 originations. The next most common DTI ratio? 30-36%, with 229 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,101 $161,995,000 $147,134 $3,784 4.45%
    Not applicable 57 $38,845,000 $681,491 $0 5.08%
    Not provided 111 $17,735,000 $159,775 $4,226 4.47%
    Asian 17 $3,555,000 $209,118 $5,119 4.30%
    Black 11 $1,355,000 $123,182 $4,431 4.65%
    American Indian 4 $420,000 $105,000 $3,608 4.91%
    Native Hawaiian or Islander 1 $285,000 $285,000 $3,743 4.25%
    Guamanian 1 $25,000 $25,000 $0 5.00%

    Approval Rates

    Total approvals of all applications
    82.87%

    Orrstown Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    85.57%

    Orrstown Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,303 $224,215,000 $172,076

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $1,305,000 $1,305,000
    Multifamily:Site-Built 23 $36,315,000 $1,578,913
    Single Family (1-4 Units):Manufactured 26 $1,900,000 $73,077
    Single Family (1-4 Units):Site-Built 1,253 $184,695,000 $147,402

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 184 $16,810,000 $91,359 $1,691 4.10%
    40-60% 154 $31,390,000 $203,831 $2,386 4.29%
    60-80% 373 $76,815,000 $205,938 $3,539 4.56%
    80-100% 396 $79,100,000 $199,747 $4,594 4.62%
    Over 100% 6 $1,490,000 $248,333 $7,360 4.48%
    Under 20% 187 $18,345,000 $98,102 $668 4.54%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Orrstown Bank 1 Giant Lane Carlisle, PA 17013 Full Service B&M $66,326
    Orrstown Bank 1 South Carlisle Street New Bloomfield, PA 17068 Full Service B&M $15,153
    Orrstown Bank 1020 Professional Court Hagerstown, MD 21740 Full Service B&M $35,425
    Orrstown Bank 1110 East Simpson Street Mechanicsburg, PA 17055 Full Service B&M $37,728
    Orrstown Bank 121 Lurgan Avenue Shippensburg, PA 17257 Full Service B&M $58,693
    Orrstown Bank 1355 Orchard Drive Chambersburg, PA 17201 Full Service B&M $40,890
    Orrstown Bank 16400 Path Valley Road Spring Run, PA 17262 Full Service B&M $30,163
    Orrstown Bank 1725 Lincoln Highway East Chambersburg, PA 17202 Full Service B&M $42,251
    Orrstown Bank 18 Newport Plaza Newport, PA 17074 Full Service B&M $17,090
    Orrstown Bank 2098 Spring Valley Rd Lancaster, PA 17601 Full Service B&M $45,431
    Orrstown Bank 22 South Hanover Street Carlisle, PA 17013 Full Service B&M $64,827
    Orrstown Bank 3 Baden Powell Lane Mechanicsburg, PA 17050 Full Service B&M $77,065
    Orrstown Bank 301 West Main Street New Holland, PA 17557 Full Service B&M $12,105
    Orrstown Bank 308 Carolle Street Greencastle, PA 17225 Full Service B&M $37,701
    Orrstown Bank 3580 Orrstown Road Orrstown, PA 17244 Full Service B&M $48,918
    Orrstown Bank 403 North Market Street Duncannon, PA 17020 Full Service B&M $23,782
    Orrstown Bank 4075 Market Street Camp Hill, PA 17011 Full Service B&M $90,618
    Orrstown Bank 427 Village Drive Carlisle, PA 17015 Full Service B&M $148,093
    Orrstown Bank 4750 Lindle Road Harrisburg, PA 17111 Full Service B&M $20,645
    Orrstown Bank 566 Lausch Lane Lancaster, PA 17601 Full Service B&M $19,521
    Orrstown Bank 625 Norland Avenue Chambersburg, PA 17201 Full Service B&M $82,927
    Orrstown Bank 77 East King Street Shippensburg, PA 17257 Full Service B&M $276,937
    Orrstown Bank Barnett Woods Road And Mcclure Street New Bloomfield, PA 17068 Limited, Drive-thru $0
    Orrstown Bank Center Square Newport, PA 17074 Full Service B&M $35,694

    For 2018, Orrstown Bank had 24 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $64,837
    Net interest income $51,494
    Total noninterest income $20,234
    Gross Fiduciary activities income $5,997
    Service charges on deposit accounts $3,109
    Trading account gains and fees $0
    Additional Noninterest Income $11,128
    Pre-tax net operating income $17,101
    Securities gains (or losses, -) $939
    Income before extraordinary items $15,639
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $15,639
    Minority interest net income $0
    Net income $15,639
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $14,822

    Orrstown Bank's gross interest income from loans was $64,837,000.
    Orrstown Bank's net interest income from loans was $51,494,000.
    Orrstown Bank's fee based income from loans was $3,109,000.
    Orrstown Bank's net income from loans was $15,639,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $13,343
    Provision for credit losses $800
    Total noninterest expense $53,827
    Salaries and employee benefits $32,528
    Premises and equipment expense $7,068
    Additional noninterest expense $14,231
    Applicable income taxes $2,401
    Net charge-offs $-418
    Cash dividends $4,450

    Orrstown Bank's interest expense for loans was $13,343,000.
    Orrstown Bank's payroll and benefits expense were $32,528,000.
    Orrstown Bank's property, plant and equipment expenses $7,068,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,587,391
    Deposits held in domestic offices $1,587,391
    Deposits by Individuals, partnerships, and corporations $1,307,186
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $272,992
    Deposits by Commercial banks and other depository institutions in U.S. $7,213
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $232,054
    Demand deposits $151,216
    Nontransaction accounts $1,355,337
    Money market deposit accounts (MMDAs) $857,925
    Other savings deposits (excluding MMDAs) $113,515
    Total time deposits $383,898
    Total time and savings deposits $1,436,175
    Noninterest-bearing deposits $209,541
    Interest-bearing deposits $1,377,850
    Retail deposits $1,419,325
    IRAs and Keogh plan accounts $39,476
    Brokered deposits $127,719
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,932,361
    Cash & Balances due from depository institutions $71,820
    Interest-bearing balances $45,664
    Total securities $465,727
    Federal funds sold & reverse repurchase $16,995
    Net loans and leases $1,236,983
    Loan and leases loss allowance $14,014
    Trading account assets $0
    Bank premises and fixed assets $38,185
    Other real estate owned $130
    Goodwill and other intangibles $18,739
    All other assets $83,782

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,932,361
    Total Liabilities $1,757,062
    Total deposits $1,587,391
    Interest-bearing deposits $1,377,850
    Deposits held in domestic offices $1,587,391
    % insured (estimated) $86
    Federal funds purchased and repurchase agreements $9,069
    Trading liabilities $0
    Other borrowed funds $138,450
    Subordinated debt $0
    All other liabilities $22,152

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,236,983
    Loan and leases loss allowance $14,014
    Total loans and leases (domestic) $1,250,997
    All real estate loans $1,038,536
    Real estate loans in domestic offices $1,038,536
    Construction and development loans $49,436
    Residential 1-4 family construction $7,385
    Other construction, all land development and other land $42,051
    Loans secured by nonfarm nonresidential properties $382,444
    Nonfarm nonresidential secured by owner-occupied properties $129,650
    Commercial real estate & other non-farm, non-residential $252,794
    Multifamily residential real estate $78,933
    1-4 family residential loans $494,827
    Farmland loans $32,896
    Loans held in foreign offices $0
    Farm loans $1,660
    Commercial and industrial loans $122,288
    To non-U.S. addressees $0
    Loans to individuals $33,281
    Credit card loans $0
    Related Plans $3,648
    Consumer Auto Loans $27,387
    Other loans to individuals $2,246
    All other loans & leases $55,232
    Loans to foreign governments and official institutions $0
    Other loans $4,250
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,132
    Non 1-4 family restructured loans & leases $39
    Total loans and leases (foreign) $0

    Orrstown Bank had $1,236,983,000 of loans outstanding in 2018. $1,038,536,000 of loans were in real estate loans. $49,436,000 of loans were in development loans. $78,933,000 of loans were in multifamily mortgage loans. $494,827,000 of loans were in 1-4 family mortgage loans. $1,660,000 of loans were in farm loans. $0 of loans were in credit card loans. $27,387,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 392 $89,245 $227,666
    Nonfarm, nonresidential loans - <$100k 62 $2,683 $43,274
    Nonfarm, nonresidential loans - $100-250k 133 $15,747 $118,398
    Nonfarm, nonresidential loans - $250k-1MM 197 $70,815 $359,467
    Commercial & Industrial, US addressed loans - <$1MM 485 $34,947 $72,056
    Commercial & Industrial, US addressed loans - <$100k 344 $8,864 $25,767
    Commercial & Industrial, US addressed loans - $100-250k 74 $8,032 $108,541
    Commercial & Industrial, US addressed loans - $250k-1MM 67 $18,051 $269,418
    Farmland loans - <$1MM 102 $15,462 $151,588
    Farmland loans - <$100k 26 $975 $37,500
    Farmland loans - $100-250k 35 $4,143 $118,371
    Farmland loans - $250k-1MM 41 $10,344 $252,293
    Agriculture operations loans - <$1MM 52 $1,620 $31,154
    Agriculture operations loans - <$100k 42 $1,115 $26,548
    Agriculture operations loans - $100-250k 9 $389 $43,222
    Agriculture operations loans - $250k-1MM 1 $116 $116,000