Horizon Federally Insured State-Chartered Credit Union
Horizon Federally Insured State-Chartered Credit Union received 1,114 applications in 2025 and made 602 mortgages, in 67 counties across 8 states. The median rate its borrowers got was 2.990% on a median loan of $75,000. Of 1,002 decisions, 359 were denials — 35.8%, most often for debt-to-income ratio. 139 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300715JT4HMT74E48 |
|---|---|
| Applications received | 1,114 |
| Mortgages made | 602 |
| Denied | 359 |
| Approved, not taken up | 41 |
| Withdrawn or incomplete | 112 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -2.58 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 | 69 | 6.625% | $235,000 | 21.4% |
| Refinancing | 59 | 6.750% | $125,000 | 33.3% |
| Cash-out refinancing | 43 | 6.875% | $125,000 | 31.8% |
| Other purposes | 431 | 2.990% | $65,000 | 39.0% |
Where Horizon Federally Insured State-Chartered Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Spokane County, WA | 132 | 2.990% | 37.8% |
| Ada County, ID | 80 | 2.990% | 33.9% |
| Grant County, WA | 69 | 4.990% | 27.0% |
| Cascade County, MT | 54 | 2.990% | 39.2% |
| Stevens County, WA | 40 | 2.990% | 27.9% |
| Missoula County, MT | 32 | 2.990% | 39.3% |
| Canyon County, ID | 28 | 2.990% | 44.2% |
| Silver Bow County, MT | 24 | 4.990% | 27.3% |
| Bonner County, ID | 21 | 2.990% | 39.0% |
| Kootenai County, ID | 20 | 2.990% | 30.3% |
| Union County, OR | 18 | 5.808% | 18.2% |
| Ravalli County, MT | 12 | 2.990% | 35.0% |
| Gallatin County, MT | 8 | Under 10 loans | 42.9% |
| Washington County, ID | 7 | Under 10 loans | 55.6% |
| Lincoln County, WA | 5 | Under 10 loans | 16.7% |
| Boundary County, ID | 3 | Under 10 loans | 33.3% |
| Lewis and Clark County, MT | 3 | Under 10 loans | 0.0% |
| Gem County, ID | 2 | Under 10 loans | 33.3% |
| Nez Perce County, ID | 2 | Under 10 loans | 0.0% |
| Twin Falls County, ID | 2 | Under 10 loans | 33.3% |
| Flathead County, MT | 2 | Under 10 loans | 33.3% |
| Lake County, MT | 2 | Under 10 loans | 33.3% |
| Clackamas County, OR | 2 | Under 10 loans | 0.0% |
| Kittitas County, WA | 2 | Under 10 loans | 0.0% |
| Okanogan County, WA | 2 | Under 10 loans | 33.3% |
| Pend Oreille County, WA | 2 | Under 10 loans | 33.3% |
| Pierce County, WA | 2 | Under 10 loans | 33.3% |
| Benewah County, ID | 1 | Under 10 loans | 0.0% |
| Boise County, ID | 1 | Under 10 loans | 50.0% |
| Elmore County, ID | 1 | Under 10 loans | 0.0% |
| Payette County, ID | 1 | Under 10 loans | 50.0% |
| Shoshone County, ID | 1 | Under 10 loans | 50.0% |
| Valley County, ID | 1 | Under 10 loans | 66.7% |
| Deer Lodge County, MT | 1 | Under 10 loans | 0.0% |
| Glacier County, MT | 1 | Under 10 loans | 0.0% |
| Granite County, MT | 1 | Under 10 loans | 0.0% |
| Jefferson County, MT | 1 | Under 10 loans | 0.0% |
| Mineral County, MT | 1 | Under 10 loans | 80.0% |
| Pondera County, MT | 1 | Under 10 loans | 50.0% |
| Powell County, MT | 1 | Under 10 loans | 50.0% |
| Sweet Grass County, MT | 1 | Under 10 loans | 0.0% |
| Teton County, MT | 1 | Under 10 loans | 0.0% |
| Toole County, MT | 1 | Under 10 loans | 0.0% |
| Malheur County, OR | 1 | Under 10 loans | 33.3% |
| Wallowa County, OR | 1 | Under 10 loans | 0.0% |
| Adams County, WA | 1 | Under 10 loans | 0.0% |
| Columbia County, WA | 1 | Under 10 loans | 0.0% |
| Ferry County, WA | 1 | Under 10 loans | 50.0% |
| Franklin County, WA | 1 | Under 10 loans | 66.7% |
| Island County, WA | 1 | Under 10 loans | 0.0% |
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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.