Community State Bank Of Orbisonia Mortgage Rates, Fees & Info
Orbisonia, PALEI: 549300YUVOQXC2XL4P90
Tax ID: 23-1354306
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Community State Bank Of Orbisonia is a smaller bank specializing in Refi and Home Purchase loans. Community State Bank Of Orbisonia has a high proportion of conventional loans. Their top markets by origination volume include: Huntingdon, Chambersburg, Lewistown, State College, and Harrisburg among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Community State Bank Of Orbisonia has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.68% | 11/23/24 |
| 30 Year Conventional Refi | 6.85% | 11/23/24 |
| 30 Year Cash-out Refi | 6.27% | 11/23/24 |
| 15 Year Conventional Purchase | 7.24% | 11/23/24 |
| 15 Year Conventional Refi | 6.55% | 11/23/24 |
| 15 Year Cash-out Refi | 6.55% | 11/23/24 |
| 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. | ||
Community State Bank Of Orbisonia Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
333Origination Dollar Volume (All Markets)
$34,385,000Top 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) | 180 | $17,100,000 | $95,000 | $0 | 0.00% |
| Outside of Metro Areas | 98 | $10,280,000 | $104,898 | $0 | 0.00% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 33 | $4,485,000 | $135,909 | $0 | 0.00% |
| Lewistown, PA (FHA|USDA|VA) | 15 | $1,225,000 | $81,667 | $0 | 0.00% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $0 | 0.00% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 0.00% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 0.00% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 333 | $34,385,000 | $103,258 | $0 | 0.00% |
For 2020, Community State Bank Of Orbisonia's most frequently originated type of loan was Conventional, with 333 originations.
Loan Reason
For 2020, Community State Bank Of Orbisonia's most frequently cited loan purpose was Refi, with 187 originations. The 2nd most popular reason was Home Purchase, with 101 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 333 | $34,385,000 | $103,258 | $0 | 0.00% |
For 2020, Community State Bank Of Orbisonia's most frequently cited loan duration was Other, with 333 originations.
Loan Sizing
2020 saw Community State Bank Of Orbisonia place emphasis on $100,000 or less loans with 206 originations, totaling $11,260,000 in origination value.
Applicant Income
Community State Bank Of Orbisonia lent most frequently to those with incomes in the $50k-75k range, with 88 originations. The second most popular income band? $50k or less, with 86 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 333 | $34,385,000 | $103,258 | $0 | 0.00% |
Community State Bank Of Orbisonia lent most frequently to those with DTI ratios of Exempt%, with 333 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.53%
Community State Bank Of Orbisonia has an average approval rate.
Pick Rate
Approvals leading to origination95.80%
Community State Bank Of Orbisonia has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 333 | $34,385,000 | $103,258 |
Occupancy Type Mix
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| COMMUNITY BANK SYSTEM, INC. | Conventional home mortgage | Struggling to pay mortgage | 1 | 33.3% |
| COMMUNITY BANK SYSTEM, INC. | Conventional home mortgage | Trouble during payment process | 1 | 33.3% |
| COMMUNITY BANK SYSTEM, INC. | Other type of mortgage | Closing on a mortgage | 1 | 33.3% |