Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Horizon Farm Credit, ACA: 2025 mortgage rates, costs & approvals

How Horizon Farm Credit, ACA priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: Horizon Farm Credit, ACA · LEI 549300IYR2K45YQJGV33

In 2025, Horizon Farm Credit, ACA originated 276 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 7 states — 1034th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.77% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $5,860, 5% higher than the national median ($5,570).

It denied 4.6% of completed home-purchase applications (all lenders: 8.5%).

Loans
276
of 316 applications
Denial rate
4.6%
Purchase · all 8.5%
30-yr fixed rate
6.77%
Conv. · all 6.625%
Loan costs
$5,860
Conv. · all $5,570
Loan amount
$295,000
Purchase · all $335,000
Borrower income
$126,000
Purchase · all $116,000

How Horizon Farm Credit, ACA priced home-purchase loans

Purchase loans, 2025Horizon Farm Credit, ACAAll lenders
30-year fixed rate · conventional6.770%6.625%
30-year fixed rate · FHA—6.250%
30-year fixed rate · VA—6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional+0.13 pts+0.13 pts
Total loan costs · conventional$5,860$5,570
Total loan costs · FHA—$11,310
Total loan costs · VA—$6,490
Origination charges (all types)$2,500$1,860
Borrowers paying discount points0.0%51.3%
Points paid, when paid (% of loan)—0.87%
Borrowers receiving lender credits18.2%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 100.0% 276

By purpose

Home purchase 69.6% 192
Refinance 30.4% 84
Home value
$405,000
Median, purchase loans
Down payment
—
All lenders 10%
Refi rate
6.83%
30-yr fixed, conventional
Refi denial rate
11.1%
Cash-out —

Where Horizon Farm Credit, ACA lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Pennsylvania2032344.6%6.740%$5,830
Maryland40468.3%—$6,730
Delaware1618———
Virginia99———
West Virginia67———
New York11———
Ohio11———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Horizon Farm Credit, ACA's page for that state.

Counties where Horizon Farm Credit, ACA is a top lender

Check Horizon Farm Credit, ACA yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology