ACNB Bank in Pennsylvania vs the state
10.1%Denial rate-8.22 pts vs state
10.9%Decision denial rate-11.29 pts vs state
77.7%Origination rate+16.69 pts vs state
6.88%Median rate+0.25 pts vs state
0.25Rate spread (pts)+0.01 pts vs state
$99kMedian applicant income
1,188Loans originated
154Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 944 | 644 | 20.0% | 8.49% | #85 |
| 2024 | 596 | 389 | 20.1% | 7.89% | #124 |
| 2025 | 1,530 | 1,188 | 10.1% | 6.88% | #61 |
What ACNB Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most ACNB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 860 | 681 | 86 | 10.0% |
| Adams County | 382 | 275 | 51 | 13.4% |
| Franklin County | 77 | 63 | 3 | 3.9% |
| Cumberland County | 62 | 51 | 5 | 8.1% |
| Lancaster County | 57 | 39 | 5 | 8.8% |
| Dauphin County | 32 | 29 | 1 | 3.1% |
| Lebanon County | 19 | 16 | 1 | 5.3% |
| Berks County | 9 | 8 | 0 | 0.0% |
| Chester County | 7 | 5 | 2 | 28.6% |
| Perry County | 4 | 4 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 1,530 applications in 2025, of which 1,188 were originated and 154 denied.
10.1% of all applications, or 10.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans ACNB Bank originated in Pennsylvania in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are ACNB Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology