What loan types does ACNB Bank offer?

ACNB Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 71.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ACNB Bank?

ACNB Bank is a Bank headquartered in Gettysburg, PA.

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ACNB Bank

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ACNB Bank has 118 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

ACNB Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+7.0 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

112 loans · 0.07% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

98 loans · 0.03% above market

Sound

Top 60% of lenders

3/5

Refinance

20 loans · 0.26% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Strong	Strong	112	94.9%	+0.074%Above	$1,066Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume112

Mix94.9%

Spread

+0.074%Above

Fees

$1,066Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Strong	98	83.1%	+0.029%Above	$1,052Fees
Refinance	Sound	Sound	—	Strong	20	16.9%	+0.256%Above	$1,115Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume98

Mix83.1%

Spread

+0.029%Above

Fees

$1,052Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Strong

Volume20

Mix16.9%

Spread

+0.256%Above

Fees

$1,115Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

118

Applications

156

Volume

$34 million

Pricing & Closing

Avg Rate Spread

+0.070%

vs. market APOR

Avg Net Fees

$1,063

Origination − Credits

Pullthrough Rate

75.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$291,525

Avg Borrower Income

$146,051

Avg Property Value

$407,797

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 2020+None

Northeast1

South1

Top Metro Areas by Place Specialization Score

Gettysburg, PAMetro

Volume 53Mix 44.92% of portfolio

98/100

Exceptional

Chambersburg, PAMetro

Volume 21Mix 17.80% of portfolio

66/100

Strong

York, PAMetro

Volume 17Mix 14.41% of portfolio

53/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 97Mix 82.20% of portfolio

69/100

Strong

MarylandState

Volume 18Mix 15.25% of portfolio

49/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.