Applications / Mortgage Analytics / Lenders / Pennsylvania / ACNB Bank
Gettysburg, PA · State non-member bank · FDIC · $3.2 billion assets · 1,374 loans in 2025
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1,374
loans originated, 2025
1,789
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
ACNB Bank, a Pennsylvania bank, raised its lending 166% in 2025, the year it merged with Traditions Bank, and ranked first in York-Hanover and Gettysburg.
Originations rose 166% to 1,374, from 516 in 2024, faster than nearly all similar lenders (state non-member banks making between half and twice as many loans), which grew 10%, as did the whole market. The rise followed four years of falls from 1,259 in 2020. Its 2025 merger with Traditions Bank is one possible reason.
It ranked 1 of 379 lenders in York-Hanover, with 6.2%, up from 0.6%, and 1 of 228 in Gettysburg, with 10.6%, up from 6.5%. The competition figures count Traditions Bank's filings as ACNB Bank's, so part of the jump may come from the merger. Members 1st Federal Credit Union ranked second in both.
FHA loans (insured by the Federal Housing Administration) were 7.1% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 2.2%, against 0.0% for both in 2024 and 2.2% and 0.6% at similar lenders. Home purchases made up 65.8% of its loans.
LMI (low- and moderate-income) borrowers took 37.4% of its loans, against 27.4% at similar lenders, higher than nearly nine in ten of them, and up from 27.9% five years before. Its share in LMI areas, 18.1%, was above peers' 14.8%. Its purchase denial rate, 4.2%, was lower than peers' 5.9%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. ACNB Bank took 1,789 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.8% · Refinance 16.6% · Other 11.9% · Home improvement 5.7%
Conventional 90.5% · FHA 7.1% · VA 2.2% · USDA (RHS or FSA) 0.2% · of 1,374 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 1,188 | 86.5% |
| Maryland | 131 | 9.5% |
| West Virginia | 10 | 0.7% |
| Delaware | 4 | 0.3% |
| Virginia | 4 | 0.3% |
| Florida | 3 | 0.2% |
| New Jersey | 3 | 0.2% |
| Arkansas | 1 | 0.1% |
| South Carolina | 1 | 0.1% |
| Utah | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| York-Hanover | 681 |
| Gettysburg | 275 |
| Harrisburg-Carlisle | 84 |
| Baltimore-Columbia-Towson | 70 |
| Chambersburg | 63 |
| Lancaster | 39 |
| Frederick-Gaithersburg-Bethesda | 36 |
| Hagerstown-Martinsburg | 25 |
| Lebanon | 16 |
| Reading | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005CFFMKTUKLO381 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5210 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1311 | 1990–2009 |
| Respondent ID (the HMDA filer code before 2018) | 37506 | 2010–2017 |
Established 11 April 1857. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: ACNB Bank's data.
ACNB Bank's data
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