PlainLender

ACNB BANK

Gettysburg, PA

ACNB BANK processed 845 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 516 loans with a 23.8% denial rate. Other was the primary loan purpose. Based in Gettysburg, PA. The approval rate of 61.1% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. ACNB BANK processed 845 HMDA-reported mortgage applications in 2024, originating 516 loans and denying 201 for a denial rate of 23.8% (applicants themselves withdrew 49 files before a decision). The average loan amount was $232,953 at a 7.831% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI 5493005CFFMKTUKLO381 from Gettysburg, PA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. ACNB BANK's 61.1% origination rate tells you how often an application turned into funded money; the 23.8% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (843 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

845
Applications
516
Originated
23.8%
Denial Rate
$232,953
Avg Loan Amount
Avg Interest Rate: 7.831% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 843 515 200 $232,983
USDA 2 1 1 $220,000

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for ACNB BANK (LEI: 5493005CFFMKTUKLO381) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
93
Credit history
72
Collateral
27
Other
10
Insufficient cash
3
Employment history
1
Unverifiable information
1
Credit application incomplete
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Other 268 145 $84,888
Home Purchase 264 199 $446,591
Refinancing 151 78 $233,212
Home Improvement 148 84 $125,338
Cash-out Refinancing 14 10 $173,571

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 636 61.8% 27.0%
Black or African American 8 25.0% 50.0%
Joint 8 37.5% 50.0%
Asian 5 60.0% 40.0%
American Indian or Alaska Native 2 100.0% 0.0%
Native Hawaiian or Other Pacific Islander 1 0.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 634 62.1% 26.7%
Hispanic or Latino 17 35.3% 52.9%
Joint 5 60.0% 20.0%

Nearby Lenders in PA

Other HMDA-reporting lenders in PA with similar activity. Compare any two side-by-side.

NEWREZ LLC

FORT WASHINGTON, PA

248,242 apps 52,121 originated 11.5% denied

PNC BANK N.A.

Pittsburgh, PA

127,108 apps 56,830 originated 25.4% denied

SPRING EQ, LLC

RADNOR, PA

104,263 apps 31,186 originated 54.8% denied

NVR MORTGAGE FINANCE, INC.

PITTSBURGH, PA

23,698 apps 17,311 originated 17.1% denied

FIRST NATIONAL BANK OF PA

PITTSBURGH, PA

22,946 apps 13,057 originated 25.0% denied
Compare ACNB BANK vs NEWREZ LLC →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did ACNB BANK process?
ACNB BANK processed 845 mortgage applications in the 2023 HMDA reporting year. Of these, 516 were originated (approved and funded), 49 were withdrawn by the applicant, and 201 were denied.
What is ACNB BANK's mortgage approval rate?
ACNB BANK has an approval (origination) rate of 61.1%, meaning 61.1% of all applications resulted in a funded mortgage. The denial rate is 23.8%.
What is the average loan amount at ACNB BANK?
The average mortgage loan amount at ACNB BANK is $232,953. The average interest rate is 7.831%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at ACNB BANK?
The most common reasons for mortgage denial at ACNB BANK are: Debt-to-income ratio, Credit history, Collateral. In total, 201 applications were denied out of 845 total applications.
What types of mortgage loans does ACNB BANK offer?
ACNB BANK processes Conventional, USDA loans. The most common type is Conventional with 843 applications and an average loan amount of $232,983.
What loan purposes does ACNB BANK serve?
ACNB BANK serves the following loan purposes: Other (268 applications), Home Purchase (264 applications), Refinancing (151 applications), Home Improvement (148 applications), Cash-out Refinancing (14 applications). Other is the most common purpose.
Where is ACNB BANK located?
ACNB BANK is headquartered in Gettysburg, PA. The lender is identified by LEI 5493005CFFMKTUKLO381 in HMDA data.
How does ACNB BANK compare in lending across racial demographics?
ACNB BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 61.8% and denial rate of 27.0%; Black or African American applicants have an approval rate of 25.0% and denial rate of 50.0%; Joint applicants have an approval rate of 37.5% and denial rate of 50.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.