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Multifamily record
ACNB Bank: multifamily loans made
ACNB Bank, a bank based in Gettysburg, PA, made 69 multifamily loans in 2024 and 2025, $66M in all, in 3 states. The typical loan was about $460K, and the largest about $8.4M. Most were in York County, PA.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 69
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $66.0M
- HMDA,
- Rounded amounts
- Typical loan
- $460K
- HMDA,
- Largest loan
- $8.4M
- HMDA,
- Rounded to 2 significant figures
- States
- 3
- HMDA,
Cite this
Source: The Lender Report, ACNB Bank: multifamily loans made, https://lender.report/lender/acnb-bank-pa/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Carroll County, MD | Improvement, 25 to 49 units | $5.1M | 6.61% | 21.5 yr | 59% | HMDA 2025 |
| 2025 | Lancaster County, PA | Purchase, 25 to 49 units | $3.5M | 6.97% | 20 yr | 66% | HMDA 2025 |
| 2025 | Jefferson County, WV | Purchase, 5 to 24 units | $2.3M | 6.6% | 20 yr | 75% | HMDA 2025 |
| 2025 | Frederick County, MD | Refinance, 5 to 24 units | $1.6M | 7.45% | 20 yr | 67% | HMDA 2025 |
| 2025 | Location not reported | Purchase, 5 to 24 units | $1.4M | 7.25% | 20 yr | 59% | HMDA 2025 |
| 2025 | Location not reported | Purchase, 5 to 24 units | $1.4M | 7.25% | 20 yr | 59% | HMDA 2025 |
| 2025 | Location not reported | Purchase, 5 to 24 units | $1.4M | 7.5% | 20 yr | 59% | HMDA 2025 |
| 2025 | Location not reported | Purchase, 5 to 24 units | $1.4M | 7.5% | 20 yr | 59% | HMDA 2025 |
| 2025 | Lancaster County, PA | Refinance, 5 to 24 units | $1.3M | 7.3% | 20 yr | 74% | HMDA 2025 |
| 2025 | Prince George's County, MD | Refinance, 5 to 24 units | $1.2M | 6.56% | 20 yr | 66% | HMDA 2025 |
| 2025 | Frederick County, MD | Purchase, 5 to 24 units | $980K | 7.42% | 20 yr | 75% | HMDA 2025 |
| 2025 | York County, PA | Purchase, 5 to 24 units | $680K | 7.3% | 20 yr | 75% | HMDA 2025 |
| 2025 | Jefferson County, WV | Refinance, 5 to 24 units | $520K | 6.63% | 20 yr | 44% | HMDA 2025 |
| 2025 | Carroll County, MD | Purchase, 5 to 24 units | $500K | 6.88% | 20 yr | 79% | HMDA 2025 |
| 2025 | Carroll County, MD | Purchase, 5 to 24 units | $480K | 6.87% | 20 yr | 75% | HMDA 2025 |
| 2025 | York County, PA | Refinance, 5 to 24 units | $460K | 6.63% | 10 yr | 36% | HMDA 2025 |
| 2025 | Adams County, PA | Refinance, 5 to 24 units | $440K | 6.83% | 20 yr | 58% | HMDA 2025 |
| 2025 | Adams County, PA | Refinance, 5 to 24 units | $400K | 6.69% | 20 yr | 73% | HMDA 2025 |
| 2025 | Jefferson County, WV | Refinance, 5 to 24 units | $380K | 6.63% | 20 yr | 42% | HMDA 2025 |
| 2025 | Lancaster County, PA | Purchase, 5 to 24 units | $380K | 7.08% | 20 yr | 75% | HMDA 2025 |
| 2025 | Allegany County, MD | Refinance, 5 to 24 units | $360K | 7.58% | 20 yr | 70% | HMDA 2025 |
| 2025 | Washington County, MD | Purchase, 5 to 24 units | $340K | 7.01% | 20 yr | 64% | HMDA 2025 |
| 2025 | York County, PA | Purchase, 5 to 24 units | $340K | 6.9% | 20 yr | 75% | HMDA 2025 |
| 2025 | Cumberland County, PA | Purchase, 5 to 24 units | $320K | 8.5% | 1 yr | 69% | HMDA 2025 |
| 2025 | Washington County, MD | Refinance, 5 to 24 units | $320K | 6.95% | 20 yr | 72% | HMDA 2025 |
| 69 multifamily loans made in 2024 and 2025 | $66.0M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| York County, PA | County | 10 | $5.78M |
| Adams County, PA | County | 8 | $2.04M |
| Carroll County, MD | County | 7 | $7.38M |
| Washington County, MD | County | 7 | $3.94M |
| Franklin County, PA | County | 5 | $3.04M |
| Lancaster County, PA | County | 5 | $5.94M |
| Location not reported | State | 5 | $12.9M |
| Frederick County, MD | County | 4 | $11.4M |
| Allegany County, MD | County | 3 | $900K |
| Jefferson County, WV | County | 3 | $3.20M |
| Baltimore County, MD | County | 2 | $1.96M |
| Berkeley County, WV | County | 2 | $3.10M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 51 | $19.9M |
| $1M to $2.5M | 13 | $18.9M |
| $2.5M to $5M | 2 | $6.40M |
| $5M to $10M | 3 | $20.8M |
| $10M or more | 0 | $0 |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 35 | $36.9M | $460K |
| 2025 | 34 | $29.1M | $440K |
| Purpose | Loans |
|---|---|
| Purchase | 42 |
| Refinance | 19 |
| Improvement | 8 |
| Units | Loans |
|---|---|
| 5 to 24 units | 65 |
| 25 to 49 units | 2 |
| 50 to 99 units | 1 |
| 100 to 149 units | 1 |
- ACNB Bank made 69 multifamily loans totaling $66M in 2024 and 2025, in 16 named places across 3 states. HMDA,
- It made 34 of them in 2025 and 35 in 2024. HMDA,
- The typical loan was about $460K, with the middle half between $300K and $1M. HMDA,
- The largest was about $8.4M. Every amount is rounded to 2 significant figures. HMDA,
- 51 loans were under $1M, and 3 were $5M or more. HMDA,
- It reported a median rate of 7.14% on 69 loans, with the middle half between 6.85% and 7.45%. HMDA,
- The median term was 20 years. HMDA,
- The median loan to value was 69%. HMDA,
- 28% of the loans were refinancings and 61% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 65 loans. HMDA,
- Its loans were most often in York County, PA (10), Adams County, PA (8) and Carroll County, MD (7). HMDA,
What we don't know
- Whether ACNB Bank is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.