Horizon Federally Insured State-Chartered Credit Union in Idaho vs the state
33.5%Denial rate+19.09 pts vs state
37.7%Decision denial rate+20.15 pts vs state
52.1%Origination rate-10.89 pts vs state
2.99%Median rate-3.64 pts vs state
-3.88Rate spread (pts)-4.03 pts vs state
$92kMedian applicant income
171Loans originated
110Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 434 | 223 | 42.2% | 5.99% | #42 |
| 2024 | 386 | 188 | 38.3% | 4.99% | #48 |
| 2025 | 328 | 171 | 33.5% | 2.99% | #68 |
What Horizon Federally Insured State-Chartered Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Horizon Federally Insured State-Chartered Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 136 | 80 | 41 | 30.1% |
| Canyon County | 59 | 28 | 23 | 39.0% |
| Bonner County | 49 | 21 | 16 | 32.7% |
| Kootenai County | 35 | 20 | 10 | 28.6% |
| Washington County | 21 | 7 | 10 | 47.6% |
| Boundary County | 6 | 3 | 2 | 33.3% |
| Valley County | 3 | 1 | 2 | 66.7% |
| Twin Falls County | 3 | 2 | 1 | 33.3% |
| Gem County | 3 | 2 | 1 | 33.3% |
| Nez Perce County | 2 | 2 | 0 | 0.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 328 applications in 2025, of which 171 were originated and 110 denied.
33.5% of all applications, or 37.7% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Horizon Federally Insured State-Chartered Credit Union originated in Idaho in 2025 was 2.99%, against a statewide median of 6.63%.
About this data. Figures are Horizon Federally Insured State-Chartered Credit Union's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology