ORRSTOWN BANK--Denial Of Loan--

Orrstown Bank Purchased the First National Bank of Newport a few years ago.   I have been less than impressed with this bank.  They have high fees and recently I have been denied a mortgage refinance.  I pay the current loan every month online from the checking account at Orrstown.  My payments will actually be less with the new loan, yet I was denied.  My current lender also was offering a 10% discount of the loan amount as an incentive to refinance.  So there denial has cost me $8400.  The loan amount would have only been for 70% of the appraisal value. My credit rating is 740.  It was 760 last month when I refinanced my primary residence.   This is ridiculous considering I have two other mortgages with this bank.  They basically are not counting my rental income.