HORIZON Federal Credit Union
HORIZON Federal Credit Union received 198 applications in 2025 and made 106 mortgages, in 10 counties across 1 state. The median rate its borrowers got was 6.750% on a median loan of $55,000. Of 149 decisions, 30 were denials — 20.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300UI713YO3L6SF02 |
|---|---|
| Applications received | 198 |
| Mortgages made | 106 |
| Denied | 30 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 49 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.6215 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 | 18 | 6.725% | $175,000 | 11.5% |
| Refinancing | 10 | 6.500% | $55,000 | 16.7% |
| Cash-out refinancing | 22 | 7.063% | $65,000 | 15.4% |
| Other purposes | 56 | 6.875% | $35,000 | 24.7% |
Where HORIZON Federal Credit Union lends most
The 10 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lycoming County, PA | 61 | 6.750% | 13.6% |
| Clinton County, PA | 30 | 6.750% | 27.3% |
| Centre County, PA | 11 | 7.250% | 15.4% |
| Tioga County, PA | 2 | Under 10 loans | 33.3% |
| Clearfield County, PA | 1 | Under 10 loans | 0.0% |
| Union County, PA | 1 | Under 10 loans | 50.0% |
| Allegheny County, PA | 0 | Under 10 loans | 0.0% |
| Mifflin County, PA | 0 | Under 10 loans | 100.0% |
| Northumberland County, PA | 0 | Under 10 loans | 0.0% |
| Potter County, PA | 0 | Under 10 loans | 100.0% |
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When HORIZON Federal Credit Union’s figures are published for the next year, or restated.
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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.