Lender in Pennsylvania · HMDA 2025
Horizon Farm Credit, ACA mortgages in Pennsylvania
Horizon Farm Credit, ACA's 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
Horizon Farm Credit, ACA originated 203 owner-occupied single-family loans in Pennsylvania from 234 completed applications.
Its median conventional purchase loan costs were $5,830 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.74% (Pennsylvania: 6.625%).
Loans in PA
203
of 234 applications
Denial rate
4.6%
Purchase · PA 6.7%
Rate spread
+0.14 pts
Conv. · PA +0.17 pts
Loan amount
$285,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 173 | 152 | 4.6% | 6.740% | +0.14 pts | $5,830 | $285,000 |
| Refinance | 61 | 51 | 11.5% | 6.810% | +0.13 pts | $5,830 | $345,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where Horizon Farm Credit, ACA ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Forest County | 9 | 1 | 3.9% |
| Crawford County | 10 | 15 | 2.4% |
| Juniata County | 14 | 2 | 1.3% |
| Venango County | 16 | 5 | 1.3% |
| Clinton County | 18 | 6 | 1.7% |
| Somerset County | 18 | 6 | 0.9% |
| Huntingdon County | 19 | 3 | 1.0% |
| Fulton County | 20 | 2 | 1.7% |
| Mifflin County | 24 | 3 | 0.8% |
| Greene County | 25 | 2 | 0.8% |
| Potter County | 25 | 1 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology