Applications / Mortgage Analytics / Lenders / Washington / Horizon Credit Union
Spokane Valley, WA · Credit union · NCUA · $2.0 billion assets · 602 loans in 2025
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602
loans originated, 2025
1,124
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Horizon Credit Union is a Washington credit union lending mainly for home improvement and other purposes, with a typical loan of $75,000, smaller than at more than nine in ten similar lenders.
Home improvement made up 39.7% of its loans and other purposes 31.9%; refinances were 16.9% and home purchases 11.5%. Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), among the lowest tenth.
Manufactured homes were 10.6% of its loans, against 0.3% at peers, higher than more than nine in ten of them. LMI (low- and moderate-income) borrowers took 32.3%, against 27.0%, higher than most peers.
Originations fell 1% to 602, while peers grew 6% and the whole market 10%. Dollar volume fell to $70.1 million from $76.5 million as its typical loan fell from $85,000. In Spokane-Spokane Valley, its largest market, its share fell to 0.4% from 0.6%, ranking 48 of 346; smaller loans are a possible reason, since shares are measured in dollars.
In Great Falls, MT it ranked 23 of 136 lenders, with 0.9% of the market, up from 0.4%; Stockman Bank of Montana led. It has lent there since before 1990.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Horizon Credit Union took 1,124 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.7% · Other 31.9% · Refinance 16.9% · Purchase 11.5%
Conventional 98.8% · FHA 0.8% · VA 0.3% · of 602 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Washington | 262 | 43.5% |
| Idaho | 171 | 28.4% |
| Montana | 147 | 24.4% |
| Oregon | 22 | 3.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Spokane-Spokane Valley | 172 |
| Boise City | 111 |
| Great Falls | 54 |
| Missoula | 33 |
| Coeur d'Alene | 20 |
| Bozeman | 8 |
| Helena | 4 |
| Lewiston | 2 |
| Portland-Vancouver-Hillsboro | 2 |
| Tacoma-Lakewood | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300715JT4HMT74E48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 820673 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567264 | 1990–2017 |
Established 1 January 1948. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Horizon Credit Union's data.
Horizon Credit Union's data
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Horizon Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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