Get & compare mortgage quotes anonymously Start in My Home
HFCA
Unclaimed

Horizon Farm Credit, ACA

Independent Mortgage Company•Mechanicsburg, PAHQ•Direct•Reviews near you on Google

Horizon Farm Credit, ACA has 285 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 4 mkts

Explore another lender or local market

Report Card

Horizon Farm Credit, ACA performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume269
Mix94.4%
Spread—
Fees—
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through—
Volume16
Mix5.6%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume219
Mix76.8%
Spread—
Fees—
Refinance
Overall
Strong
Product
Sound
Pricing—
Pull Through
Strong
Volume66
Mix23.2%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
285
Applications
330
Volume
$103 million
Pricing & Closing
Pullthrough Rate
86.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$361,982
Avg Borrower Income
$198,758
Avg Property Value
$650,649

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NYPA
Midwest1
OH
South4
DEMDVAWV

Top Metro Areas by Place Specialization Score

1© Randolph Carney · CC BY-SA 3.0
Lancaster, PAMetro
Volume 36Mix 12.63% of portfolio
68/100
Strong
2© Dan Gaken · CC BY 2.0
Pittsburgh, PAMetro
Volume 24Mix 8.42% of portfolio
55/100
Sound
3© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 16Mix 5.61% of portfolio
48/100
Sound
4© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 10Mix 3.51% of portfolio
43/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 210Mix 73.68% of portfolio
76/100
Strong
Maryland
Maryland
2
MarylandState
Volume 48Mix 16.84% of portfolio
59/100
Sound
Delaware
Delaware
3
DelawareState
Volume 11Mix 3.86% of portfolio
44/100
Sound
Virginia
Virginia
4
VirginiaState
Volume 11Mix 3.86% of portfolio
40/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of Horizon Farm Credit, ACA?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.