Purchase Originations
195
Median Total Costs
$5,861
−12.3% vs national ($6,680)
↑ $215 vs prior year
Median Rate
6.740%
+3.9% vs national (6.490%)
↓ 0.240% vs prior year
Median Origination
$2,499
Median Lender Credits
$167
Denial Rate
4.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 195 | 6.740% | $5,861 | $2,499 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Pennsylvania | 154 | 6.720% | $5,836 | #123 |
| Maryland | 21 | 6.830% | $6,732 | — |
| Delaware | 11 | 6.830% | $5,784 | — |
| Virginia | 6 | 6.825% | $6,378 | — |
| West Virginia | 3 | 6.950% | $4,933 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,442 | 6.890% | — | 3 | −$2,419 | |
| 2 | $3,922 | 6.325% | — | 4 | −$1,939 | |
| 3 | $4,696 | 6.810% | — | 3 | −$1,165 | |
| 4 | $5,011 | 6.870% | — | 10 | −$850 | |
| 5 | $5,335 | 6.860% | — | 3 | −$526 | |
| 6 | $5,446 | 6.750% | — | 5 | −$415 | |
| 7 | $5,517 | 6.670% | — | 3 | −$344 | |
| 8 | $5,561 | 6.620% | — | 5 | −$300 | |
| 9 | $5,724 | 6.870% | — | 3 | −$137 | |
| 10 | $5,784 | 6.650% | — | 9 | −$77 | |
| 11 | $5,826 | 6.770% | — | 13 | −$35 | |
| 12 | $6,006 | 6.440% | — | 5 | +$145 | |
| 13 | $6,323 | 6.770% | — | 4 | +$462 | |
| 14 | $6,354 | 6.510% | — | 5 | +$493 | |
| 15 | $6,691 | 6.760% | — | 6 | +$830 | |
| 16 | $6,800 | 6.740% | — | 7 | +$939 | |
| 17 | $6,918 | 6.610% | — | 19 | +$1,057 | |
| 18 | $7,778 | 6.820% | — | 7 | +$1,917 | |
| 19 | $7,917 | 6.745% | — | 4 | +$2,056 | |
| 20 | $9,318 | 6.760% | — | 3 | +$3,457 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Horizon Farm Credit, ACA | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $5,861 | $7,127 | −$1,266 (−17.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.