HORIZON Federal Credit Union in Pennsylvania vs the state
15.2%Denial rate-3.14 pts vs state
20.1%Decision denial rate-2.08 pts vs state
53.5%Origination rate-7.42 pts vs state
6.75%Median rate+0.13 pts vs state
0.62Rate spread (pts)+0.38 pts vs state
$81kMedian applicant income
106Loans originated
30Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 203 | 117 | 14.8% | 6.75% | #268 |
| 2024 | 201 | 115 | 19.4% | 7.75% | #266 |
| 2025 | 198 | 106 | 15.2% | 6.75% | #274 |
What HORIZON Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most HORIZON Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lycoming County | 103 | 61 | 11 | 10.7% |
| Clinton County | 64 | 30 | 12 | 18.8% |
| Centre County | 16 | 11 | 2 | 12.5% |
| Tioga County | 4 | 2 | 1 | 25.0% |
| Union County | 4 | 1 | 1 | 25.0% |
| Potter County | 2 | 0 | 2 | 100.0% |
| Clearfield County | 2 | 1 | 0 | 0.0% |
| Allegheny County | 1 | 0 | 0 | 0.0% |
| Northumberland County | 1 | 0 | 0 | 0.0% |
| Mifflin County | 1 | 0 | 1 | 100.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 198 applications in 2025, of which 106 were originated and 30 denied.
15.2% of all applications, or 20.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans HORIZON Federal Credit Union originated in Pennsylvania in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are HORIZON Federal Credit Union's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology