Horizon Farm Credit, Aca
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Horizon Farm Credit, Aca 2018 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Horizon Farm Credit, Aca 45 Aileron Ct. Mechanicsburg, PA 21157 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 322 |
| Total Mortgage Loan Application Amount | $82,670,000 |
| Average Mortgage Loan Application Amount | $188,000 |
| Highest Mortgage Loan Application Amount | $1,855,000 |
| Average Applicant Income | $173,600 |
| Highest Applicant Income | $2,179,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Horizon Farm Credit, Aca. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Horizon Farm Credit, Aca's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Horizon Farm Credit, Aca's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Horizon Farm Credit, Aca serves its applicants.
Each category highlights the total number of mortgage applications processed by Horizon Farm Credit, Aca, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Horizon Farm Credit, Aca's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sussex County Delaware | 22 | $ 3,570,000 | $ 162,000 | $ 193,000 |
| Kent County Delaware | 19 | $ 3,355,000 | $ 176,000 | $ 76,000 |
| Lancaster County Pennsylvania | 18 | $ 5,580,000 | $ 310,000 | $ 321,000 |
| Berks County Pennsylvania | 16 | $ 3,390,000 | $ 211,000 | $ 340,000 |
| Berkeley County West Virginia | 16 | $ 2,180,000 | $ 136,000 | $ 99,000 |
| Chester County Pennsylvania | 15 | $ 6,875,000 | $ 458,000 | $ 211,000 |
| Frederick County Maryland | 14 | $ 4,070,000 | $ 290,000 | $ 156,000 |
| Washington County Maryland | 10 | $ 2,160,000 | $ 216,000 | $ 133,000 |
| Morgan County West Virginia | 10 | $ 990,000 | $ 99,000 | $ 53,000 |
| Cecil County Maryland | 9 | $ 2,955,000 | $ 328,000 | $ 146,000 |
| Harford County Maryland | 9 | $ 2,845,000 | $ 316,000 | $ 150,000 |
| Baltimore County Maryland | 8 | $ 2,820,000 | $ 352,000 | $ 172,000 |
| Kent County Maryland | 8 | $ 1,980,000 | $ 247,000 | $ 163,000 |
| Carroll County Maryland | 7 | $ 2,735,000 | $ 390,000 | $ 627,000 |
| Montgomery County Maryland | 6 | $ 2,170,000 | $ 361,000 | $ 238,000 |
| Worcester County Maryland | 6 | $ 1,420,000 | $ 236,000 | $ 106,000 |
| Northampton County Pennsylvania | 6 | $ 1,590,000 | $ 265,000 | $ 178,000 |
| Frederick County Virginia | 6 | $ 640,000 | $ 106,000 | $ 82,000 |
| Dorchester County Maryland | 5 | $ 815,000 | $ 163,000 | $ 83,000 |
| Queen Anne's County Maryland | 5 | $ 2,165,000 | $ 433,000 | $ 227,000 |
| Wicomico County Maryland | 5 | $ 1,025,000 | $ 205,000 | $ 491,000 |
| Shenandoah County Virginia | 5 | $ 1,115,000 | $ 223,000 | $ 123,000 |
| Warren County Virginia | 5 | $ 775,000 | $ 155,000 | $ 98,000 |
| Accomack County Virginia | 4 | $ 560,000 | $ 140,000 | $ 61,000 |
| Clarke County Virginia | 4 | $ 1,220,000 | $ 305,000 | $ 217,000 |
| Caroline County Maryland | 3 | $ 525,000 | $ 175,000 | $ 68,000 |
| Franklin County Pennsylvania | 3 | $ 485,000 | $ 161,000 | $ 311,000 |
| Lebanon County Pennsylvania | 3 | $ 545,000 | $ 181,000 | $ 253,000 |
| Lehigh County Pennsylvania | 3 | $ 1,085,000 | $ 361,000 | $ 186,000 |
| Jefferson County West Virginia | 3 | $ 375,000 | $ 125,000 | $ 82,000 |
| Howard County Maryland | 2 | $ 660,000 | $ 330,000 | $ 712,000 |
| Talbot County Maryland | 2 | $ 140,000 | $ 70,000 | $ 225,000 |
| Monroe County Pennsylvania | 2 | $ 400,000 | $ 200,000 | $ 204,000 |
| York County Pennsylvania | 2 | $ 560,000 | $ 280,000 | $ 158,000 |
| Page County Virginia | 2 | $ 290,000 | $ 145,000 | $ 81,000 |
| New Castle County Delaware | 1 | $ 875,000 | $ 875,000 | $ 451,000 |
| Bucks County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 174,000 |
| Carbon County Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 198,000 |
| Dauphin County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Fayette County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| Fulton County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Montgomery County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Schuylkill County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 233,000 |
| Westmoreland County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Loudoun County Virginia | 1 | $ 305,000 | $ 305,000 | $ 89,000 |
| Winchester County Virginia | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Horizon Farm Credit, Aca in 2018
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 149 | $44,785,000 | $300,000 | $1,205,000 | $211,000 | $2,179,000 |
| Refinancing | 128 | $32,450,000 | $253,000 | $1,855,000 | $175,000 | $1,570,000 |
| Home Improvement | 37 | $4,525,000 | $122,000 | $585,000 | $173,000 | $1,828,000 |
| Other Purpose | 6 | $570,000 | $95,000 | $235,000 | $135,000 | $220,000 |
| Cash-out Refinancing | 2 | $340,000 | $170,000 | $205,000 | $174,000 | $194,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 220 | $52,660,000 | $239,000 | $965,000 | $194,000 | $2,179,000 |
| Not Provided | 81 | $26,335,000 | $325,000 | $1,855,000 | $172,000 | $1,570,000 |
| Asian | 5 | $1,225,000 | $245,000 | $305,000 | $543,000 | $1,892,000 |
| Black or African American | 5 | $815,000 | $163,000 | $245,000 | $94,000 | $193,000 |
| American Indian or Alaskan Native | 3 | $415,000 | $138,000 | $155,000 | $80,000 | $119,000 |
| Not applicable | 3 | $735,000 | $245,000 | $295,000 | $0 | $0 |
| Hispanic | 2 | $190,000 | $95,000 | $145,000 | $48,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 317 | $81,755,000 | $257,000 | $1,855,000 | $193,000 | $2,179,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $565,000 | $188,000 | $295,000 | $62,000 | $90,000 |
| VA-guaranteed (Veterans Administration) | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 1 | $245,000 | $245,000 | $245,000 | $80,000 | $80,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 123 | $28,365,000 | $230,000 | $1,855,000 | $265,000 | $2,179,000 |
| Application Denied By Financial Institution | 98 | $24,020,000 | $245,000 | $875,000 | $116,000 | $1,828,000 |
| Application Withdrawn By Applicant | 47 | $12,715,000 | $270,000 | $735,000 | $127,000 | $392,000 |
| Application Approved But Not Accepted | 29 | $7,285,000 | $251,000 | $815,000 | $170,000 | $440,000 |
| Preapproval Approved but not Accepted | 21 | $9,055,000 | $431,000 | $1,205,000 | $205,000 | $1,261,000 |
| Preapproval Denied by Financial Institution | 4 | $1,230,000 | $307,000 | $415,000 | $516,000 | $807,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 220 | $57,420,000 | $261,000 | $1,855,000 | $217,000 | $2,179,000 |
| Debt-To-Income Ratio | 44 | $11,080,000 | $251,000 | $585,000 | $169,000 | $1,828,000 |
| Credit History | 30 | $5,610,000 | $187,000 | $475,000 | $75,000 | $295,000 |
| Collateral | 15 | $3,445,000 | $229,000 | $455,000 | $108,000 | $228,000 |
| Other | 6 | $3,310,000 | $551,000 | $875,000 | $241,000 | $496,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $635,000 | $211,000 | $265,000 | $71,000 | $112,000 |
| Credit Application Incomplete | 3 | $975,000 | $325,000 | $525,000 | $106,000 | $180,000 |
| Unverifiable Information | 1 | $195,000 | $195,000 | $195,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Horizon Farm Credit, Aca's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Horizon Farm Credit, Aca's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Pennsylvania, download the full spreadsheet
with aggregated HMDA statistics today.