Harborstone Credit Union mortgage approval rate & lending review
Harborstone Credit Union decided 1,181 mortgage applications and funded 673 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Harborstone Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Harborstone Credit Union at a glance
Approval is 0.6 points below the 64.9% 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 | 72% | 59 / 82 | 88% | $285K | 52 |
| Home improvement loans | 63% | 648 / 1,025 | 88% | $75K | 573 |
| Cash-out refinance | 74% | 28 / 38 | 93% | $245K | 26 |
Harborstone Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 65% | $75K | 1,169 | 670 |
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 Harborstone Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pierce County, WA | Home improvement loans | 66% | 672 | 391 |
| King County, WA | Home improvement loans | 55% | 189 | 91 |
| Thurston County, WA | Home improvement loans | 65% | 79 | 46 |
| Kitsap County, WA | Home improvement loans | 67% | 27 | 17 |
| Snohomish County, WA | Home improvement loans | 55% | 31 | 17 |
| Pierce County, WA | Cash-out refinance | 67% | 24 | 15 |
The county markets where Harborstone Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Harborstone Credit Union
What is Harborstone Credit Union's mortgage approval rate?
Harborstone Credit Union approved 64.3% of the 1,181 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 0.6 points below the 64.9% national rate for the same mix of loan types.
How often do borrowers take the loan Harborstone Credit Union offers?
Borrowers accepted 89% of the loans Harborstone Credit Union 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 Harborstone Credit Union make?
The typical home improvement loan loan Harborstone Credit Union made was $75K; across all loan types its typical loan ran from $75K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Harborstone Credit Union lend?
Harborstone Credit Union decided applications in 11 of the states Fat Boy Data covers, most of them in Washington, Florida and Texas.
Can I apply to Harborstone Credit Union directly?
Yes. Harborstone Credit Union is a bank or credit union with 32 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Harborstone Credit Union'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 Harborstone Credit Union treats applications, then get a rate quote from the lender.