ACNB Bank in Maryland vs the state
14.6%Denial rate-4.22 pts vs state
16.3%Decision denial rate-7.85 pts vs state
68.2%Origination rate+12.52 pts vs state
7.28%Median rate+0.66 pts vs state
0.16Rate spread (pts)-0.09 pts vs state
$125kMedian applicant income
131Loans originated
28Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 243 | 146 | 21.0% | 7.60% | #120 |
| 2024 | 234 | 119 | 34.6% | 7.68% | #135 |
| 2025 | 192 | 131 | 14.6% | 7.28% | #165 |
What ACNB Bank lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most ACNB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carroll County | 80 | 60 | 13 | 16.3% |
| Frederick County | 53 | 34 | 8 | 15.1% |
| Washington County | 29 | 18 | 4 | 13.8% |
| Baltimore County | 7 | 6 | 1 | 14.3% |
| Baltimore city | 4 | 1 | 0 | 0.0% |
| Worcester County | 4 | 4 | 0 | 0.0% |
| Montgomery County | 4 | 2 | 0 | 0.0% |
| Howard County | 3 | 1 | 1 | 33.3% |
| Harford County | 2 | 1 | 0 | 0.0% |
| Cecil County | 2 | 0 | 1 | 50.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 192 applications in 2025, of which 131 were originated and 28 denied.
14.6% of all applications, or 16.3% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans ACNB Bank originated in Maryland in 2025 was 7.28%, against a statewide median of 6.63%.
About this data. Figures are ACNB Bank's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology