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, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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 SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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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.