# ACNB Bank

> **Canonical URL:** https://saferate.com/lenders/acnb-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ACNB Bank is a bank, headquartered in Gettysburg, PA, serving borrowers across 2 states, with 118 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 28% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 59% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493005CFFMKTUKLO381
- **Headquarters:** Gettysburg, PA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MD, PA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.070%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,063
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 118
- **Dollar Volume:** $34 million
- **Applications Received:** 156
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $291,525
- **Average Borrower Income:** $146,051
- **Average Property Value:** $407,797

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (64%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 112 | +0.074% | $1,066 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 92 loans, Score: 54/100 (Sound)
- Refinance: 20 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 98 | $32M | +0.029% | Sound ☺️ |
| Refinance | 50/100 | 20 | $3M | +0.256% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 97 | 0.08% | 69/100 |
| MD | 18 | 0.03% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Gettysburg, PA | PA | 53 | 98/100 |
| Chambersburg, PA | PA | 21 | 66/100 |
| York | PA | 17 | 53/100 |

## Where This Lender Ranks

ACNB Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Gettysburg, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Chambersburg, PA Banks
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/banks)
- 🥉 **#3** in Chambersburg, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Gettysburg, PA
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders)
- 🏆 **#5** in Gettysburg, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/gettysburg-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Chambersburg, PA
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders)
- 🏆 **#11** in Chambersburg, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in York for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does ACNB Bank offer?

ACNB Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ACNB Bank offer mortgages?

ACNB Bank offers mortgages in 2 states: MD, PA.

### How competitive are ACNB Bank's mortgage rates?

ACNB Bank has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.070% above market average.

### What type of lender is ACNB Bank?

ACNB Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Gettysburg, PA.

### What is ACNB Bank's loan approval success rate?

ACNB Bank has a pull-through score of 41/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/acnb-bank

### How to Cite

> "ACNB Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/acnb-bank

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