Applications / Mortgage Analytics / Lenders / Utah / Horizon Utah Federal Credit Union
Farmington, UT · Credit union · NCUA · $185 million assets · 15 loans in 2025
Horizon Utah Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
15
loans originated, 2025
29
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Horizon Utah Federal Credit Union, a $185 million credit union in Farmington, Utah, made 15 home loans in 2025, down from 89 in 2018.
Its lending has fallen most years since 2018: 89 loans that year, 48 in 2019, 32 in 2023, 22 in 2024 and 15 in 2025. The 32% drop in 2025 was steeper than the 12% fall at similar lenders (credit unions making between half and twice as many loans). The typical one made 22 loans, so it lent less than more than four in five of them. Its figures give no reason for the decline.
It lends in five counties across two states. In Ogden it ranked 194 of 308 lenders, and in Salt Lake City 362 of 363. United Wholesale Mortgage led Ogden with $726.2M. In 2025 it made its first loans in Yuba City, California.
With 15 loans, one loan moves any of its shares by several points, so its purpose mix, typical rate and lending to low- and moderate-income borrowers say little about the credit union. This analysis draws no conclusion from them. Every loan was conventional, with no government backing. It has reported since 1996.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Utah Federal Credit Union took 29 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 66.7% · Refinance 26.7% · Purchase 6.7%
Conventional 100.0% · of 15 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 |
|---|---|---|
| Utah | 14 | 93.3% |
| California | 1 | 6.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Ogden | 12 |
| Salt Lake City-Murray | 1 |
| Yuba City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BMJCCKS0LIQJ45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 397595 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566850 | 1996–2005 |
| Respondent ID (the HMDA filer code before 2018) | 524746 | 2006–2017 |
Established 1 January 1956. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Horizon Utah Federal Credit Union's data.
Horizon Utah Federal Credit Union's data
$215
Horizon Utah 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 Utah 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]