Applications / Mortgage Analytics / Lenders / Pennsylvania / Community State Bank of Orbisonia
Orbisonia, PA · State non-member bank · FDIC · $459 million assets · 262 loans in 2025
Community State Bank of Orbisonia's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
262
loans originated, 2025
344
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community State Bank of Orbisonia makes some of the smallest home loans of any bank its size, many of them on manufactured homes.
Manufactured homes made up 19.1% of its loans, against 2.5% at similar lenders (state non-member banks making between half and twice as many loans), a higher share than at more than nine in ten. Its typical loan, $65,000, was among the lowest of them; theirs was $175,000. Home improvement (25.6%) and other purposes (13.0%) may also keep loans small. None of its loans were higher-priced (a rate well above the average for similar loans), against 2.0% at peers.
Its loans fell 14%, from 305 to 262, while similar lenders grew 8% and the whole market 10%. Its growth was lower than at nearly nine in ten peers. Lending peaked at 523 loans in 2021, a year after its first report, and has fallen every year since.
Low- and moderate-income (LMI) borrowers took 35.7% of its loans, against 28.0% at similar lenders, more than at about four in five. LMI areas took only 6.9%, against 17.3%, among the lowest tenth, and it made no loans in majority-minority areas. Its footprint, eight counties in one state with its largest market outside the metros, may explain both.
In non-metro Pennsylvania, its largest market, it ranked 52 of 643 lenders. In Chambersburg, PA its share slipped from 0.8% to 0.6%, perhaps because it lent less. Farmers and Merchants Trust Company of Chambersburg leads there.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Community State Bank of Orbisonia took 344 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.5% · Home improvement 25.6% · Refinance 22.9% · Other 13.0%
Conventional 100.0% · of 262 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 262 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chambersburg | 30 |
| Altoona | 4 |
| Harrisburg-Carlisle | 1 |
| Johnstown | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YUVOQXC2XL4P90 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 121914 | 2022–2023 |
Established 11 January 1951. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: Community State Bank of Orbisonia's data.
Community State Bank of Orbisonia's data
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Community State Bank of Orbisonia and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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