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Horizon Farm Credit, ACA
Independent Mortgage Company|Mechanicsburg, PA|Multi-Region
Loans Originated
285
Applications
330
Volume
$103 million
Offers loans directly to consumers
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Pullthrough Rate
86.4%
Percentage of applications that result in closed loans
Report Card
Horizon Farm Credit, ACA performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 5 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$361,982
Average Borrower Income
$198,758
Average Property Value
$650,649
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | N/A | Sound | 269 | 94.4% | — | — |
Jumbo Loans | Strong | Strong | N/A | N/A | 16 | 5.6% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | N/A | Sound | 219 | 76.8% | — | — |
Refinance | Sound | Sound | N/A | Strong | 66 | 23.2% | — | — |
Geographic Coverage
Metro Areas
4
States Served
7
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
DEMDNYOHPAVAWV
Top Metro Areas by Place Specialization Score
1
Lancaster, PA, PAMSA
Volume: 36Mix: 12.63%
Place Specialization
Strong
2
Pittsburgh, PA, PAMSA
Volume: 24Mix: 8.42%
Place Specialization
Sound
3
Baltimore, MDMSA
Volume: 16Mix: 5.61%
Place Specialization
Sound
4
Frederick, MDMSA
Volume: 10Mix: 3.51%
Place Specialization
Sound
Top States by Place Specialization Score
1
PAState
Volume: 210Mix: 73.68%
Place Specialization
Strong
2
MDState
Volume: 48Mix: 16.84%
Place Specialization
Sound
3
DEState
Volume: 11Mix: 3.86%
Place Specialization
Sound
4
VAState
Volume: 11Mix: 3.86%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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