Horizon Farm Credit, ACA
Horizon Farm Credit, ACA received 559 applications in 2025 and made 481 mortgages, in 91 counties across 9 states. The median rate its borrowers got was 6.800% on a median loan of $275,000. Of 539 decisions, 31 were denials — 5.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300IYR2K45YQJGV33 |
|---|---|
| Applications received | 559 |
| Mortgages made | 481 |
| Denied | 31 |
| Approved, not taken up | 27 |
| Withdrawn or incomplete | 20 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.191 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 288 | 6.830% | $295,000 | 3.8% |
| Refinancing | 99 | 6.760% | $305,000 | 9.7% |
| Other purposes | 94 | 6.770% | $165,000 | 7.3% |
Where Horizon Farm Credit, ACA lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lancaster County, PA | 49 | 6.750% | 2.0% |
| Kent County, DE | 23 | 6.850% | 0.0% |
| Crawford County, PA | 22 | 6.870% | 4.0% |
| York County, PA | 19 | 6.840% | 4.6% |
| Franklin County, PA | 18 | 6.815% | 0.0% |
| Berks County, PA | 14 | 6.755% | 6.3% |
| Carroll County, MD | 12 | 6.815% | 0.0% |
| Frederick County, MD | 12 | 6.805% | 0.0% |
| Chester County, PA | 11 | 6.810% | 0.0% |
| Adams County, PA | 10 | 6.855% | 0.0% |
| Clinton County, PA | 10 | 6.770% | 0.0% |
| Somerset County, PA | 10 | 6.710% | 0.0% |
| Caroline County, MD | 9 | Under 10 loans | 0.0% |
| Bedford County, PA | 9 | Under 10 loans | 0.0% |
| Cumberland County, PA | 8 | Under 10 loans | 11.1% |
| Mercer County, PA | 8 | Under 10 loans | 20.0% |
| Sussex County, DE | 7 | Under 10 loans | 12.5% |
| Butler County, PA | 7 | Under 10 loans | 0.0% |
| Lawrence County, PA | 7 | Under 10 loans | 0.0% |
| Mifflin County, PA | 7 | Under 10 loans | 0.0% |
| Northumberland County, PA | 7 | Under 10 loans | 0.0% |
| Union County, PA | 7 | Under 10 loans | 0.0% |
| Venango County, PA | 7 | Under 10 loans | 12.5% |
| Baltimore County, MD | 6 | Under 10 loans | 0.0% |
| Dauphin County, PA | 6 | Under 10 loans | 14.3% |
| Westmoreland County, PA | 6 | Under 10 loans | 0.0% |
| Shenandoah County, VA | 6 | Under 10 loans | 0.0% |
| Berkeley County, WV | 6 | Under 10 loans | 0.0% |
| New Castle County, DE | 5 | Under 10 loans | 0.0% |
| Montgomery County, MD | 5 | Under 10 loans | 0.0% |
| Wicomico County, MD | 5 | Under 10 loans | 16.7% |
| Centre County, PA | 5 | Under 10 loans | 0.0% |
| Fayette County, PA | 5 | Under 10 loans | 16.7% |
| Clarke County, VA | 5 | Under 10 loans | 0.0% |
| Frederick County, VA | 5 | Under 10 loans | 0.0% |
| Harford County, MD | 4 | Under 10 loans | 0.0% |
| Columbia County, PA | 4 | Under 10 loans | 20.0% |
| Erie County, PA | 4 | Under 10 loans | 0.0% |
| Fulton County, PA | 4 | Under 10 loans | 16.7% |
| Huntingdon County, PA | 4 | Under 10 loans | 20.0% |
| Juniata County, PA | 4 | Under 10 loans | 0.0% |
| Lebanon County, PA | 4 | Under 10 loans | 0.0% |
| Luzerne County, PA | 4 | Under 10 loans | 0.0% |
| Perry County, PA | 4 | Under 10 loans | 0.0% |
| Dorchester County, MD | 3 | Under 10 loans | 40.0% |
| Washington County, MD | 3 | Under 10 loans | 0.0% |
| Beaver County, PA | 3 | Under 10 loans | 0.0% |
| Blair County, PA | 3 | Under 10 loans | 0.0% |
| Bradford County, PA | 3 | Under 10 loans | 0.0% |
| Cambria County, PA | 3 | Under 10 loans | 25.0% |
Get told when this changes
When Horizon Farm Credit, ACA’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.