Horizon Fiscu mortgage approval rate & lending review
Horizon Fiscu decided 1,357 mortgage applications and funded 845 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Horizon Fiscu reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Horizon Fiscu at a glance
Approval is 3.2 points below the 69.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 81% | 187 / 232 | 80% | $205K | 150 |
| Home improvement loans | 64% | 520 / 809 | 100% | $75K | 520 |
| Cash-out refinance | 64% | 68 / 107 | 81% | $155K | 55 |
| Refinance | 59% | 97 / 165 | 97% | $125K | 94 |
Horizon Fiscu lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 70% | $75K | 729 | 478 |
| Idaho | 63% | $75K | 464 | 277 |
| Montana | 59% | $75K | 158 | 86 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Horizon Fiscu lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Spokane County, WA | Home improvement loans | 72% | 282 | 203 |
| Ada County, ID | Home improvement loans | 62% | 167 | 104 |
| Grant County, WA | Home improvement loans | 68% | 124 | 84 |
| Spokane County, WA | Mortgage lenders | 84% | 92 | 63 |
| Missoula County, MT | Home improvement loans | 52% | 91 | 47 |
| Canyon County, ID | Home improvement loans | 58% | 65 | 38 |
| Grant County, WA | Mortgage lenders | 93% | 42 | 33 |
| Spokane County, WA | Refinance | 55% | 62 | 32 |
| Ada County, ID | Refinance | 61% | 44 | 27 |
| Kootenai County, ID | Home improvement loans | 60% | 42 | 25 |
| Spokane County, WA | Cash-out refinance | 52% | 33 | 15 |
| Grant County, WA | Cash-out refinance | 68% | 28 | 14 |
The county markets where Horizon Fiscu made the most loans. Each link opens that market with every lender ranked.
Questions about Horizon Fiscu
What is Horizon Fiscu's mortgage approval rate?
Horizon Fiscu approved 66.2% of the 1,357 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.2 points below the 69.4% national rate for the same mix of loan types.
How often do borrowers take the loan Horizon Fiscu offers?
Borrowers accepted 94% of the loans Horizon Fiscu approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Horizon Fiscu make?
The typical home improvement loan loan Horizon Fiscu made was $75K; across all loan types its typical loan ran from $75K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Horizon Fiscu lend?
Horizon Fiscu decided applications in 6 of the states Fat Boy Data covers, most of them in Washington, Idaho and Montana.
Can I apply to Horizon Fiscu directly?
Yes. Horizon Fiscu reports as a direct lender that takes applications from borrowers.
Does this page show Horizon Fiscu's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Horizon Fiscu treats applications, then get a rate quote from the lender.