On Tap Credit Union mortgage approval rate & lending review
On Tap Credit Union decided 337 mortgage applications and funded 264 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions On Tap Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
On Tap Credit Union at a glance
Approval is 9.3 points above the 70.2% 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 | 93% | 55 / 59 | 95% | $315K | 52 |
| Home improvement loans | 76% | 129 / 170 | 100% | $65K | 129 |
| Refinance | 82% | 53 / 65 | 100% | $105K | 53 |
On Tap Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Colorado | 79% | $65K | 333 | 260 |
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 On Tap Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, CO | Home improvement loans | 79% | 90 | 71 |
| Jefferson County, CO | Refinance | 88% | 33 | 29 |
| Adams County, CO | Home improvement loans | 71% | 24 | 17 |
The county markets where On Tap Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about On Tap Credit Union
What is On Tap Credit Union's mortgage approval rate?
On Tap Credit Union approved 79.5% of the 337 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.3 points above the 70.2% national rate for the same mix of loan types.
How often do borrowers take the loan On Tap Credit Union offers?
Borrowers accepted 99% of the loans On Tap 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 On Tap Credit Union make?
The typical home improvement loan loan On Tap Credit Union made was $65K; across all loan types its typical loan ran from $65K to $315K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does On Tap Credit Union lend?
On Tap Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in Colorado, Florida and North Carolina.
Can I apply to On Tap Credit Union directly?
Yes. On Tap Credit Union is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show On Tap 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 On Tap Credit Union treats applications, then get a rate quote from the lender.