# HARBORSTONE

> **Canonical URL:** https://saferate.com/lenders/harborstone

> **📋 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

HARBORSTONE is a credit union, headquartered in Lakewood, WA, with 31 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 9% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 69% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930028J11BWKUVGX50
- **Headquarters:** Lakewood, WA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WA
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 91/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.032%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,052
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 31
- **Dollar Volume:** $13 million
- **Applications Received:** 52
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $413,710
- **Average Borrower Income:** $152,871

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 23/100 | 30 | -0.035% | $1,051 | Acceptable 🙂 |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 20/100 | 18 | $9M | -0.066% | Acceptable 🙂 |
| Refinance | 24/100 | 13 | $4M | +0.015% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 31 | 0.04% | 61/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Tacoma | WA | 19 | 62/100 |

## Frequently Asked Questions

### What loan types does HARBORSTONE offer?

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

### Where does HARBORSTONE offer mortgages?

HARBORSTONE offers mortgages in 1 states: WA.

### How competitive are HARBORSTONE's mortgage rates?

HARBORSTONE has a pricing score of 91/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.032% below market average.

### What type of lender is HARBORSTONE?

HARBORSTONE is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lakewood, WA.

### What is HARBORSTONE's loan approval success rate?

HARBORSTONE has a pull-through score of 31/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/harborstone

### How to Cite

> "HARBORSTONE Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/harborstone

---

**[View Interactive Profile →](https://saferate.com/lenders/harborstone)**