Applications / Mortgage Analytics / Lenders / Tennessee / Horizon Credit Union
Kingsport, TN · Credit union · NCUA · $60.0 million assets · 9 loans in 2025
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9
loans originated, 2025
11
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Horizon Credit Union, a Kingsport, Tennessee credit union with $60.0 million in assets, made nine home loans in 2025, against 72 in 2018.
It made 72 loans in 2018, 50 in 2021 and 30 in 2022, then only five in 2023 and nine in 2025. Similar lenders (credit unions making between half and twice as many loans) made 14 each in the typical case, so it lent less than more than four in five of them. Its figures do not say why its lending fell.
Its lending is in four counties across two states, centered on Kingsport-Bristol. There it ranked 115 of 324 lenders, with 0.1% of the market, unchanged from the year before. Eastman Credit Union led that market with $235.3M.
With nine loans, each loan moves its shares by more than ten points. Its lending to low- and moderate-income borrowers, its manufactured-home share and its prices therefore say little about the credit union, and this analysis draws no conclusion from them. All its loans were conventional, with no government backing, as they were in 2024 and 2020. It has reported since 2015.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 11 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.6% · Home improvement 22.2% · Refinance 22.2%
Conventional 100.0% · of 9 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 |
|---|---|---|
| Tennessee | 7 | 77.8% |
| Virginia | 2 | 22.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kingsport-Bristol | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008HXD04SBQ82S85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 400299 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568138 | 2015–2017 |
Established 1 January 1932. Reported under HMDA 2015-2025.
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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