# ON TAP CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/on-tap-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ON TAP CREDIT UNION is a credit union, headquartered in Golden, CO, serving borrowers across 2 states, with 30 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300BQPSF250Q8KQ79
- **Headquarters:** Golden, CO
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CO, FL
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.2%
- **Brokered/Wholesale:** 1.8%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 30
- **Dollar Volume:** $11 million
- **Applications Received:** 55
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $359,333
- **Average Borrower Income:** $149,667
- **Average Property Value:** $587,667

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 18/100 | 29 | -0.332% | $2,879 | Mediocre 😐 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 18/100 | 19 | $7M | -0.384% | Mediocre 😐 |
| Refinance | 22/100 | 11 | $3M | -0.367% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 29 | 0.03% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Denver | CO | 24 | 59/100 |

## Frequently Asked Questions

### What loan types does ON TAP CREDIT UNION offer?

ON TAP CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ON TAP CREDIT UNION offer mortgages?

ON TAP CREDIT UNION offers mortgages in 2 states: CO, FL.

### What type of lender is ON TAP CREDIT UNION?

ON TAP CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Golden, CO.

### What is ON TAP CREDIT UNION's loan approval success rate?

ON TAP CREDIT UNION has a pull-through score of 29/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/on-tap-credit-union

### How to Cite

> "ON TAP CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/on-tap-credit-union

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