Applications / Mortgage Analytics / Lenders / Pennsylvania / Horizon Federal Credit Union
Williamsport, PA · Credit union · NCUA · $148 million assets · 106 loans in 2025
Horizon Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
106
loans originated, 2025
200
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Horizon Federal Credit Union is a small Pennsylvania lender of home-improvement and refinance loans, typically $55,000, and its lending shrank in 2025 while similar credit unions grew.
A third of its loans paid for home improvements and three in ten were refinances; purchases were 17.0%. Its typical loan was $55,000, about half the $105,000 at similar lenders (credit unions making between half and twice as many loans), and smaller than at almost all of them. It lends mainly to people who already own their homes.
It made 106 loans, 8% fewer than in 2024, while similar lenders grew 8% and the whole market 10%. Its lending peaked at 295 loans in 2021 and has fallen every year since. Its dollar volume edged up, to $8.1 million from $7.8 million.
Williamsport is its largest market, where it has lent since 2007. Its share there rose to 1.2% from 1.0%, ranking it 18 of 153 lenders. Two banks lead that market, Journey Bank and Jersey Shore State Bank.
Its share of borrowers with low or moderate incomes (LMI), 32.1%, was close to similar lenders' 29.7%. But only 6.6% of its loans went to LMI neighborhoods, against 17.2% at similar lenders, and none to majority-minority ones. Its footprint may explain much of this: all its lending sits in six Pennsylvania counties, so the figure may reflect the neighborhoods there rather than a choice among many markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Federal Credit Union took 200 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 33.0% · Refinance 30.2% · Other 19.8% · Purchase 17.0%
Conventional 98.1% · USDA (RHS or FSA) 0.9% · VA 0.9% · of 106 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 |
|---|---|---|
| Pennsylvania | 106 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Williamsport | 61 |
| State College | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UI713YO3L6SF02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 185989 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510687 | 2007–2017 |
Established 1 January 1955. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Horizon Federal Credit Union's data.
Horizon Federal Credit Union's data
$215
Horizon Federal 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.
Buy Horizon Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]