ACNB Bank in West Virginia vs the state
8.3%Denial rate-12.86 pts vs state
9.1%Decision denial rate-17.57 pts vs state
83.3%Origination rate+28.54 pts vs state
6.63%Median rate0.00 pts vs state
-0.12Rate spread (pts)-0.52 pts vs state
$113kMedian applicant income
10Loans originated
1Denied
What ACNB Bank lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most ACNB Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Berkeley County | 8 | 7 | 1 | 12.5% |
| Jefferson County | 4 | 3 | 0 | 0.0% |
Other large lenders in West Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,615 | 23.0% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 3,214 | 38.5% | 9.99% |
| City National Bank of West Virginia | C | 2,870 | 25.0% | 6.29% |
| The Huntington National Bank | D | 2,194 | 28.1% | 7.00% |
| Truist Bank | C | 1,776 | 31.1% | 6.63% |
| Loandepot.Com | D | 1,624 | 18.7% | 6.58% |
| Mortgage Research Center | C | 1,592 | 17.4% | 6.25% |
| WesBanco Bank | B | 1,475 | 16.7% | 6.01% |
| Movement Mortgage | A | 1,167 | 5.4% | 6.63% |
| Crosscountry Mortgage | B | 1,140 | 4.0% | 6.58% |
Frequently asked questions
West Virginia: 12 applications in 2025, of which 10 were originated and 1 denied.
8.3% of all applications, or 9.1% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans ACNB Bank originated in West Virginia in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are ACNB Bank's own HMDA filing for properties located in West Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology