# Horizon Farm Credit, ACA

> **Canonical URL:** https://saferate.com/lenders/horizon-farm-credit-aca


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Horizon Farm Credit, ACA is a independent mortgage company, headquartered in Mechanicsburg, PA, serving borrowers across 7 states, with 285 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 44% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300IYR2K45YQJGV33
- **Headquarters:** Mechanicsburg, PA
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** DE, MD, NY, OH, PA, VA, WV
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 56/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 285
- **Dollar Volume:** $103 million
- **Applications Received:** 330
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $361,982
- **Average Borrower Income:** $198,758
- **Average Property Value:** $650,649

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 269 | - | - | Sound ☺️ |
| Jumbo | 64/100 | 16 | - | - | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 210 loans, Score: 47/100 (Sound)
- Refinance: 59 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 219 | $79M | - | Sound ☺️ |
| Refinance | 57/100 | 66 | $25M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 210 | 0.17% | 76/100 |
| MD | 48 | 0.07% | 59/100 |
| DE | 11 | 0.08% | 44/100 |
| VA | 11 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 110 | 58/100 |
| Lancaster, PA | PA | 36 | 68/100 |
| Pittsburgh, PA | PA | 24 | 55/100 |
| Baltimore | MD | 16 | 48/100 |
| Frederick | MD | 10 | 43/100 |

## Where This Lender Ranks

Horizon Farm Credit, ACA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Lancaster, PA for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥉 **#3** in Lancaster, PA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does Horizon Farm Credit, ACA offer?

Horizon Farm Credit, ACA offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Horizon Farm Credit, ACA offer mortgages?

Horizon Farm Credit, ACA offers mortgages in 7 states: DE, MD, NY, OH, PA, VA, WV.

### What type of lender is Horizon Farm Credit, ACA?

Horizon Farm Credit, ACA is a non-depository lender that specializes in mortgage origination, headquartered in Mechanicsburg, PA.

### What is Horizon Farm Credit, ACA's loan approval success rate?

Horizon Farm Credit, ACA has a pull-through score of 56/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/horizon-farm-credit-aca

### How to Cite

> "Horizon Farm Credit, ACA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/horizon-farm-credit-aca

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