Community State Bank Of Orbisonia Mortgage Rates, Fees & Info
Orbisonia, PALEI: 549300YUVOQXC2XL4P90
Tax ID: 23-1354306
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Mortgage Data
Review & Overview
Community State Bank Of Orbisonia is a smaller bank specializing in Home Purchase loans. Community State Bank Of Orbisonia has a high proportion of conventional loans. Their top markets by origination volume include: Huntingdon, Chambersburg, Gettysburg, Lewistown, and Jacksonville among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Community State Bank Of Orbisonia 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. Community State Bank Of Orbisonia 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.65% | 4/5/25 |
| 30 Year Conventional Refi | 6.59% | 4/5/25 |
| 15 Year Conventional Purchase | 6.39% | 4/5/25 |
| 15 Year Conventional Refi | 6.93% | 4/5/25 |
| 15 Year Cash-out Refi | 6.93% | 4/5/25 |
| 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. | ||
Community State Bank Of Orbisonia Mortgage Calculator
Your Estimates
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This is not an official calculator from Community State Bank Of Orbisonia. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
305Origination Dollar Volume (All Markets)
$35,345,000Awards
Community State Bank of Orbisonia - 2024
Community State Bank of Orbisonia is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Community State Bank Of Orbisonia's average 30 year fixed mortgage rate was
5.48%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -1.07%.
Relative Fees (Closing Costs)
Community State Bank Of Orbisonia's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,503.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
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 |
|---|---|---|---|---|---|
| Huntingdon, PA (FHA|USDA|VA) | 166 | $15,800,000 | $95,181 | $1,357 | 6.58% |
| Outside of Metro Areas | 81 | $7,395,000 | $91,296 | $1,434 | 6.57% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 37 | $5,515,000 | $149,054 | $2,242 | 6.51% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $3,645,000 | $3,645,000 | $0 | 7.25% |
| Lewistown, PA (FHA|USDA|VA) | 13 | $1,305,000 | $100,385 | $1,323 | 6.34% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $0 | 7.17% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 7.25% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,612 | 5.30% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,487 | 5.30% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 7.75% |
Similar Lenders
We use machine learning to identify the top lenders compared against Community State Bank of Orbisonia based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 50
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 305 | $35,345,000 | $115,885 | $1,490 | 6.57% |
For 2024, Community State Bank Of Orbisonia's most frequently originated type of loan was Conventional, with 305 originations.
Loan Reason
For 2024, Community State Bank Of Orbisonia's most frequently cited loan purpose was Home Purchase, with 87 originations. The 2nd most popular reason was Home Improvement, with 84 originations.
Loan Duration/Length
For 2024, Community State Bank Of Orbisonia's most frequently cited loan duration was 15 Year, with 69 originations. The 2nd most popular length was 10 Year, with 58 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 252 | $20,600,000 | $81,746 |
| $1k-2k | 18 | $6,090,000 | $338,333 |
Community State Bank Of Orbisonia's average total fees were $3,503, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 252 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 202 | $13,090,000 | $64,802 |
| 5-6% | 59 | $14,225,000 | $241,102 |
| 7-8% | 43 | $7,935,000 | $184,535 |
| Over 8% | 1 | $95,000 | $95,000 |
During 2024, Community State Bank Of Orbisonia's average interest rate for loans was 5.48%, while their most frequently originated rate bucket for loans was 6-7%, with 202 originations.
Loan Sizing
2024 saw Community State Bank Of Orbisonia place emphasis on $100,000 or less loans with 205 originations, totaling $8,515,000 in origination value.
Applicant Income
Community State Bank Of Orbisonia lent most frequently to those with incomes in the $50k-75k range, with 77 originations. The second most popular income band? $75k-100k, with 65 originations.
Applicant Debt to Income Ratio
Community State Bank Of Orbisonia lent most frequently to those with DTI ratios of 20-30%, with 82 originations. The next most common DTI ratio? 30-36%, with 47 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.29%
Community State Bank Of Orbisonia has a below average approval rate.
Pick Rate
Approvals leading to origination88.85%
Community State Bank Of Orbisonia has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 305 | $35,345,000 | $115,885 |