Horizon Farm Credit, ACA mortgage approval rate & lending review
Horizon Farm Credit, ACA decided 795 mortgage applications and funded 703 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Horizon Farm Credit, ACA reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Horizon Farm Credit, ACA at a glance
Approval is 11.8 points above the 81.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 367 / 389 | 93% | $325K | 343 |
| Home improvement loans | 93% | 91 / 98 | 93% | $155K | 85 |
| Refinance | 88% | 127 / 145 | 94% | $345K | 119 |
| Investment property purchase | 98% | 136 / 139 | 99% | $255K | 135 |
Horizon Farm Credit, ACA lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 93% | $325K | 583 | 519 |
| Maryland | 94% | $365K | 122 | 106 |
| Delaware | 94% | $215K | 68 | 62 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Horizon Farm Credit, ACA lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lancaster County, PA | Mortgage lenders | 98% | 64 | 61 |
| Lancaster County, PA | Refinance | 94% | 31 | 29 |
| Franklin County, PA | Mortgage lenders | 100% | 24 | 23 |
| Lancaster County, PA | Investment property purchase | 95% | 21 | 20 |
The county markets where Horizon Farm Credit, ACA made the most loans. Each link opens that market with every lender ranked.
Questions about Horizon Farm Credit, ACA
What is Horizon Farm Credit, ACA's mortgage approval rate?
Horizon Farm Credit, ACA approved 93.5% of the 795 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.8 points above the 81.7% national rate for the same mix of loan types.
How often do borrowers take the loan Horizon Farm Credit, ACA offers?
Borrowers accepted 95% of the loans Horizon Farm Credit, ACA approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Horizon Farm Credit, ACA make?
The typical home purchase mortgage loan Horizon Farm Credit, ACA made was $325K; across all loan types its typical loan ran from $155K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Horizon Farm Credit, ACA lend?
Horizon Farm Credit, ACA decided applications in 7 of the states Fat Boy Data covers, most of them in Pennsylvania, Maryland and Delaware.
Can I apply to Horizon Farm Credit, ACA directly?
Yes. Horizon Farm Credit, ACA reports as a direct lender that takes applications from borrowers.
Does this page show Horizon Farm Credit, ACA's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Horizon Farm Credit, ACA treats applications, then get a rate quote from the lender.