Lender in Pennsylvania · HMDA 2025
Acnb Bank mortgages in Pennsylvania
Acnb Bank's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Acnb Bank originated 730 owner-occupied single-family loans in Pennsylvania from 781 completed applications.
Its median conventional purchase loan costs were $4,800 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.50% (Pennsylvania: 6.625%).
Loans in PA
730
of 781 applications
Denial rate
4.4%
Purchase · PA 6.7%
Rate spread
+0.25 pts
Conv. · PA +0.17 pts
Loan amount
$255,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 700 | 659 | 4.4% | 6.500% | +0.25 pts | $4,800 | $255,000 |
| Refinance | 54 | 46 | 9.3% | 6.625% | +0.18 pts | $5,200 | $315,000 |
| Cash-out refinance | 27 | 25 | 7.4% | — | +0.15 pts | $4,110 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Acnb Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| York County | 1 | 493 | 7.8% |
| Adams County | 1 | 112 | 8.1% |
| Fulton County | 8 | 3 | 2.5% |
| Franklin County | 20 | 27 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology