Horizon Federally Insured State-Chartered Credit Union in Washington vs the state
30.8%Denial rate+15.12 pts vs state
34.4%Decision denial rate+14.88 pts vs state
54.5%Origination rate-6.59 pts vs state
4.99%Median rate-1.63 pts vs state
-2.55Rate spread (pts)-2.73 pts vs state
$85kMedian applicant income
262Loans originated
148Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 562 | 313 | 37.7% | 5.99% | #87 |
| 2024 | 537 | 299 | 32.6% | 4.99% | #93 |
| 2025 | 481 | 262 | 30.8% | 4.99% | #106 |
What Horizon Federally Insured State-Chartered Credit Union lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Horizon Federally Insured State-Chartered Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spokane County | 255 | 132 | 85 | 33.3% |
| Grant County | 104 | 69 | 27 | 26.0% |
| Stevens County | 69 | 40 | 17 | 24.6% |
| Lincoln County | 7 | 5 | 1 | 14.3% |
| Pend Oreille County | 6 | 2 | 2 | 33.3% |
| Pierce County | 4 | 2 | 1 | 25.0% |
| Yakima County | 4 | 1 | 3 | 75.0% |
| Franklin County | 4 | 1 | 2 | 50.0% |
| Okanogan County | 3 | 2 | 1 | 33.3% |
| Snohomish County | 3 | 1 | 2 | 66.7% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 481 applications in 2025, of which 262 were originated and 148 denied.
30.8% of all applications, or 34.4% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Horizon Federally Insured State-Chartered Credit Union originated in Washington in 2025 was 4.99%, 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 Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology