ACNB Bank mortgage approval rate & lending review
ACNB Bank decided 2,395 mortgage applications and funded 1,962 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions ACNB Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
ACNB Bank at a glance
Approval is 7.1 points above the 80.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 969 / 1,027 | 97% | $245K | 941 |
| Home improvement loans | 72% | 227 / 315 | 90% | $55K | 205 |
| Cash-out refinance | 88% | 57 / 65 | 98% | $165K | 56 |
| Refinance | 79% | 440 / 555 | 92% | $105K | 405 |
| Investment property purchase | 92% | 262 / 284 | 91% | $195K | 238 |
| Investment refinance | 88% | 83 / 94 | 86% | $175K | 71 |
| Investment home improvement | 87% | 41 / 47 | 93% | $105K | 38 |
ACNB Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 88% | $245K | 2,031 | 1,702 |
| Maryland | 80% | $155K | 333 | 235 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where ACNB Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| York County, PA | Mortgage lenders | 95% | 553 | 513 |
| Adams County, PA | Refinance | 80% | 286 | 212 |
| Adams County, PA | Mortgage lenders | 94% | 227 | 202 |
| Adams County, PA | Home improvement loans | 75% | 150 | 102 |
| York County, PA | Refinance | 82% | 114 | 87 |
| Franklin County, PA | Mortgage lenders | 99% | 73 | 71 |
| York County, PA | Investment property purchase | 92% | 73 | 66 |
| York County, PA | Home improvement loans | 69% | 64 | 40 |
| Carroll County, MD | Refinance | 70% | 53 | 34 |
| Cumberland County, PA | Mortgage lenders | 94% | 35 | 33 |
| Frederick County, MD | Refinance | 84% | 31 | 26 |
| Frederick County, MD | Investment property purchase | 97% | 29 | 25 |
The county markets where ACNB Bank made the most loans. Each link opens that market with every lender ranked.
Questions about ACNB Bank
What is ACNB Bank's mortgage approval rate?
ACNB Bank approved 87.1% of the 2,395 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.1 points above the 80.1% national rate for the same mix of loan types.
How often do borrowers take the loan ACNB Bank offers?
Borrowers accepted 94% of the loans ACNB Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does ACNB Bank make?
The typical home purchase mortgage loan ACNB Bank made was $245K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does ACNB Bank lend?
ACNB Bank decided applications in 9 of the states Fat Boy Data covers, most of them in Pennsylvania, Maryland and West Virginia.
Can I apply to ACNB Bank directly?
Yes. ACNB Bank is a bank or credit union with 33 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show ACNB Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how ACNB Bank treats applications, then get a rate quote from the lender.