Horizon Farm Credit, ACA in Pennsylvania vs the state
5.3%Denial rate-13.04 pts vs state
5.4%Decision denial rate-16.80 pts vs state
86.5%Origination rate+25.54 pts vs state
6.80%Median rate+0.17 pts vs state
0.19Rate spread (pts)-0.05 pts vs state
$136kMedian applicant income
346Loans originated
21Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 291 | 243 | 7.9% | 7.30% | #215 |
| 2024 | 401 | 357 | 4.2% | 7.04% | #173 |
| 2025 | 400 | 346 | 5.3% | 6.80% | #186 |
What Horizon Farm Credit, ACA lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Horizon Farm Credit, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 51 | 49 | 1 | 2.0% |
| Crawford County | 25 | 22 | 1 | 4.0% |
| York County | 24 | 19 | 1 | 4.2% |
| Franklin County | 18 | 18 | 0 | 0.0% |
| Berks County | 16 | 14 | 1 | 6.3% |
| Chester County | 13 | 11 | 0 | 0.0% |
| Clinton County | 11 | 10 | 0 | 0.0% |
| Adams County | 11 | 10 | 0 | 0.0% |
| Mercer County | 10 | 8 | 2 | 20.0% |
| Somerset County | 10 | 10 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 400 applications in 2025, of which 346 were originated and 21 denied.
5.3% of all applications, or 5.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Horizon Farm Credit, ACA originated in Pennsylvania in 2025 was 6.80%, against a statewide median of 6.63%.
About this data. Figures are Horizon Farm Credit, ACA's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology