# HORIZON Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/horizon-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HORIZON Federal Credit Union is a credit union, headquartered in Williamsport, PA, with 33 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300UI713YO3L6SF02
- **Headquarters:** Williamsport, PA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** PA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 33
- **Dollar Volume:** $4 million
- **Applications Received:** 59
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $111,061
- **Average Borrower Income:** $78,152
- **Average Property Value:** $168,636

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 32 | +0.138% | $1,299 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 20 loans, Score: 52/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 14/100 | 13 | $2M | +0.199% | Mediocre 😐 |
| Refinance | 51/100 | 20 | $2M | -0.169% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 33 | 0.03% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Williamsport, PA | PA | 18 | 67/100 |
| Non |  | 14 | 36/100 |

## Where This Lender Ranks

HORIZON Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#14** in Williamsport, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/williamsport-pa/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does HORIZON Federal Credit Union offer?

HORIZON Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HORIZON Federal Credit Union offer mortgages?

HORIZON Federal Credit Union offers mortgages in 1 states: PA.

### What type of lender is HORIZON Federal Credit Union?

HORIZON Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Williamsport, PA.

### What is HORIZON Federal Credit Union's loan approval success rate?

HORIZON Federal Credit Union has a pull-through score of 30/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/horizon-federal-credit-union

### How to Cite

> "HORIZON Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/horizon-federal-credit-union

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