Horizon Federal Credit Union has 33 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.
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Safe Rate's Summary
Things to Think About
- Pull through efficiency is below industry average
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Report Card
HORIZON Federal Credit Union performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | N/A | No peer data |
Pull Through Closing strength | Near industry average Bottom 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Near industry average Bottom 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Below peers Bottom 20% of lenders | |
Refinance | Industry Standard Top 60% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Single State2 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 32 | 97.0% | +0.138%Above | $1,299Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | — | 13 | 39.4% | +0.199%Above | $1,301Fees | |||
Refinance | — | 20 | 60.6% | -0.169%Below | $1,289Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
Top Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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