ACNB Bank
ACNB Bank received 1,760 applications in 2025 and made 1,346 mortgages, in 59 counties across 11 states. The median rate its borrowers got was 6.875% on a median loan of $215,000. Of 1,617 decisions, 189 were denials — 11.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493005CFFMKTUKLO381 |
|---|---|
| Applications received | 1,760 |
| Mortgages made | 1,346 |
| Denied | 189 |
| Approved, not taken up | 82 |
| Withdrawn or incomplete | 143 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.245 points |
| FDIC-insured bank | Yes: ACNB Bank, 33 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 876 | 6.625% | $245,000 | 5.1% |
| Refinancing | 191 | 7.052% | $165,000 | 17.8% |
| Cash-out refinancing | 37 | 6.875% | $195,000 | 9.8% |
| Other purposes | 242 | 8.000% | $75,000 | 24.7% |
Where ACNB Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| York County, PA | 681 | 6.750% | 10.9% |
| Adams County, PA | 275 | 7.168% | 14.2% |
| Franklin County, PA | 63 | 7.125% | 4.3% |
| Carroll County, MD | 60 | 7.633% | 17.1% |
| Cumberland County, PA | 51 | 7.240% | 8.9% |
| Lancaster County, PA | 39 | 6.875% | 9.8% |
| Frederick County, MD | 34 | 7.301% | 17.4% |
| Dauphin County, PA | 29 | 6.599% | 3.3% |
| Washington County, MD | 18 | 7.024% | 16.7% |
| Lebanon County, PA | 16 | 6.625% | 5.9% |
| Berks County, PA | 8 | Under 10 loans | 0.0% |
| Berkeley County, WV | 7 | Under 10 loans | 12.5% |
| Baltimore County, MD | 6 | Under 10 loans | 14.3% |
| Chester County, PA | 5 | Under 10 loans | 28.6% |
| Worcester County, MD | 4 | Under 10 loans | 0.0% |
| Perry County, PA | 4 | Under 10 loans | 0.0% |
| Fulton County, PA | 3 | Under 10 loans | 0.0% |
| Jefferson County, WV | 3 | Under 10 loans | 0.0% |
| Sussex County, DE | 2 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 2 | Under 10 loans | 0.0% |
| Allegany County, MD | 2 | Under 10 loans | 0.0% |
| Montgomery County, MD | 2 | Under 10 loans | 0.0% |
| Cumberland County, NJ | 2 | Under 10 loans | 0.0% |
| Huntingdon County, PA | 2 | Under 10 loans | 0.0% |
| Accomack County, VA | 2 | Under 10 loans | 0.0% |
| Pulaski County, AR | 1 | Under 10 loans | 0.0% |
| Kent County, DE | 1 | Under 10 loans | 0.0% |
| New Castle County, DE | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 0.0% |
| Harford County, MD | 1 | Under 10 loans | 0.0% |
| Howard County, MD | 1 | Under 10 loans | 50.0% |
| Prince George's County, MD | 1 | Under 10 loans | 0.0% |
| Baltimore city, MD | 1 | Under 10 loans | 0.0% |
| Cape May County, NJ | 1 | Under 10 loans | 0.0% |
| Columbia County, PA | 1 | Under 10 loans | 0.0% |
| Delaware County, PA | 1 | Under 10 loans | 0.0% |
| Juniata County, PA | 1 | Under 10 loans | 0.0% |
| Luzerne County, PA | 1 | Under 10 loans | 0.0% |
| Lycoming County, PA | 1 | Under 10 loans | 0.0% |
| Mifflin County, PA | 1 | Under 10 loans | 0.0% |
| Monroe County, PA | 1 | Under 10 loans | 0.0% |
| Montgomery County, PA | 1 | Under 10 loans | 0.0% |
| Northampton County, PA | 1 | Under 10 loans | 0.0% |
| Schuylkill County, PA | 1 | Under 10 loans | 0.0% |
| Snyder County, PA | 1 | Under 10 loans | 0.0% |
| Union County, PA | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Summit County, UT | 1 | Under 10 loans | 0.0% |
| Fairfax County, VA | 1 | Under 10 loans | 0.0% |
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When ACNB Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.