ACNB Bank in Virginia vs the state
50.0%Denial rate+34.06 pts vs state
50.0%Decision denial rate+29.75 pts vs state
40.0%Origination rate-19.52 pts vs state
7.19%Median rate+0.56 pts vs state
0.44Rate spread (pts)+0.22 pts vs state
$154kMedian applicant income
4Loans originated
5Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 6 | 12.5% | 6.95% | #591 |
| 2025 | 10 | 4 | 50.0% | 7.19% | #563 |
What ACNB Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most ACNB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Frederick County | 4 | 0 | 4 | 100.0% |
| Accomack County | 2 | 2 | 0 | 0.0% |
| Clarke County | 1 | 0 | 0 | 0.0% |
| Charlottesville city | 1 | 1 | 0 | 0.0% |
| Fairfax County | 1 | 1 | 0 | 0.0% |
| Louisa County | 1 | 0 | 1 | 100.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 10 applications in 2025, of which 4 were originated and 5 denied.
50.0% of all applications, or 50.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans ACNB Bank originated in Virginia in 2025 was 7.19%, against a statewide median of 6.63%.
About this data. Figures are ACNB Bank's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology