What loan types does Horizon Federally Insured State-Chartered Credit Union offer?

Horizon Federally Insured State-Chartered Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

What type of lender is Horizon Federally Insured State-Chartered Credit Union?

Horizon Federally Insured State-Chartered Credit Union is a Credit Union headquartered in Spokane Valley, WA.

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Horizon Federally Insured State-Chartered Credit Union

Q: How competitive are Horizon Federally Insured State-Chartered Credit Union's mortgage rates?

Horizon Federally Insured State-Chartered Credit Union has an overall pricing score of 14.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

Credit Union•Spokane Valley, WAHQ•Direct•Reviews near you on Google

Horizon Federally Insured State-Chartered Credit Union has 81 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 59 basis points above market average
Higher than average fees ($4,148)
Pull through efficiency is below industry average

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Horizon Federally Insured State-Chartered Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+58.9 bps above market avg

1/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

75 loans · 0.65% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

49 loans · 0.39% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

32 loans · 1.02% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Acceptable	75	92.6%	+0.646%Above	$4,131Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume75

Mix92.6%

Spread

+0.646%Above

Fees

$4,131Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Acceptable	49	60.5%	+0.393%Above	$4,365Fees
Refinance	Acceptable	Acceptable	Mediocre	Acceptable	32	39.5%	+1.019%Above	$3,674Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume49

Mix60.5%

Spread

+0.393%Above

Fees

$4,365Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume32

Mix39.5%

Spread

+1.019%Above

Fees

$3,674Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

135

Volume

$22 million

Pricing & Closing

Avg Rate Spread

+0.589%

vs. market APOR

Avg Net Fees

$4,148

Origination − Credits

Pullthrough Rate

60.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$275,123

Avg Borrower Income

$110,432

Avg Property Value

$413,765

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 2020+None

West4

IDMTORWA

Top Metro Areas by Place Specialization Score

Spokane, WAMetro

Volume 17Mix 20.99% of portfolio

57/100

Sound

Boise City, IDMetro

Volume 12Mix 14.81% of portfolio

48/100

Sound

Top States by Place Specialization Score

WashingtonState

Volume 33Mix 40.74% of portfolio

59/100

Sound

MontanaState

Volume 22Mix 27.16% of portfolio

56/100

Sound

IdahoState

Volume 20Mix 24.69% of portfolio

53/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.