Horizon Federally Insured State-Chartered Credit Union in Oregon vs the state
16.1%Denial rate+0.82 pts vs state
17.9%Decision denial rate-1.30 pts vs state
71.0%Origination rate+10.35 pts vs state
5.63%Median rate-1.13 pts vs state
0.26Rate spread (pts)-0.02 pts vs state
$90kMedian applicant income
22Loans originated
5Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 15 | 41.9% | 7.75% | #241 |
| 2024 | 28 | 16 | 21.4% | 5.56% | #254 |
| 2025 | 31 | 22 | 16.1% | 5.63% | #264 |
What Horizon Federally Insured State-Chartered Credit Union lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Horizon Federally Insured State-Chartered Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Union County | 25 | 18 | 4 | 16.0% |
| Malheur County | 3 | 1 | 1 | 33.3% |
| Clackamas County | 2 | 2 | 0 | 0.0% |
| Wallowa County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 31 applications in 2025, of which 22 were originated and 5 denied.
16.1% of all applications, or 17.9% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Horizon Federally Insured State-Chartered Credit Union originated in Oregon in 2025 was 5.63%, against a statewide median of 6.75%.
About this data. Figures are Horizon Federally Insured State-Chartered Credit Union's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology