Purchase Originations
650
Ranked #532 nationally
Median Total Costs
$5,142
−23.0% vs national ($6,680)
↑ $780 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,099
Median Lender Credits
$510
Cost Rank (500+ vol.)
#207
among lenders with 500+ originations
Denial Rate
4.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 524 | 6.625% | $4,762 | $1,199 |
| fha | 94 | 6.125% | $9,236 | $1,099 |
| va | 29 | 6.250% | $7,346 | $1,099 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 623 | 6.500% | $5,195 | #34 |
| Maryland | 19 | 6.500% | $4,826 | — |
| West Virginia | 4 | 6.312% | $5,968 | — |
| Florida | 2 | 6.750% | $7,742 | — |
| Arkansas | 1 | 7.125% | $4,539 | — |
| Delaware | 1 | 6.375% | $8,848 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,133 | 7.562% | — | 2 | −$1,009 | |
| 2 | $4,167 | 7.062% | — | 2 | −$975 | |
| 3 | $4,442 | 6.625% | — | 2 | −$700 | |
| 4 | $4,459 | 6.500% | — | 9 | −$683 | |
| 5 | $4,539 | 7.125% | — | 1 | −$603 | |
| 6 | $4,826 | 7.250% | — | 1 | −$316 | |
| 7 | $4,831 | 6.500% | — | 67 | −$311 | |
| 8 | $4,867 | 6.500% | — | 5 | −$275 | |
| 9 | $4,903 | 6.625% | — | 23 | −$239 | |
| 10 | $5,210 | 6.500% | — | 441 | +$68 | |
| 11 | $5,468 | 6.625% | — | 21 | +$326 | |
| 12 | $5,491 | 6.500% | — | 23 | +$349 | |
| 13 | $5,634 | 6.750% | — | 1 | +$492 | |
| 14 | $5,911 | 6.250% | — | 18 | +$769 | |
| 15 | $5,968 | 6.312% | — | 4 | +$826 | |
| 16 | $6,594 | 6.000% | — | 3 | +$1,452 | |
| 17 | $6,725 | 6.000% | — | 1 | +$1,583 | |
| 18 | $6,865 | 6.375% | — | 12 | +$1,723 | |
| 19 | $8,848 | 6.375% | — | 1 | +$3,706 | |
| 20 | $9,211 | 6.375% | — | 3 | +$4,069 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | ACNB Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $5,142 | $7,127 | −$1,985 (−27.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.