Harborstone Credit Union

What their website says about applying

• Purchasing or refinancing a home loan? Easily apply online in just a few minutes. source
• Typically, for a home loan application you will need: source
• Please be prepared with the following information: source
• You must send us a copy of your insurance binder, declarations page, or other verification of insurance source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• Low or damaged credit considered Having imperfect credit doesn't necessarily mean a car loan is out of reach. source
• Collateral flexible or not always required No collateral is required, so approval is based on creditworthiness rather than your home or vehicle. source
• First-time homebuyer program We offer programs designed to help first-time buyers with low down payment options and flexible qualifying guidelines source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts, service area or non-English language service are stated on the pages fetched. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. Do you lend where I live, or where my business is?
   Their website does not say which area they serve.
2. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
3. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
4. What is the APR, including fees, on your auto loans and home mortgages?
   Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare.
5. How long can I take to repay?
   No repayment terms are stated on their website.
6. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the NCUA as HARBORSTONE (charter 66399). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

Figures from the 5300 Call Report filed by Harborstone Credit Union (NCUA charter 66399, filed as “HARBORSTONE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Loan mix (balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

Harborstone Credit Union reported 345 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $50.8M (median loan about $105,000). 33 were home-purchase loans.

Included above: 300 home-equity or other open-end lines of credit.

Where the loans were made

Counties with the most 2025 originations, out of 22 counties with at least one; 99% of its 2025 loans were for properties in Washington:

• Pierce County, WA (210)
• King County, WA (46)
• Thurston County, WA (28)
• Snohomish County, WA (14)
• Kitsap County, WA (10)
• Skagit County, WA (6)
• Whatcom County, WA (5)
• Lewis County, WA (4)

Filed under LEI 54930028J11BWKUVGX50 as “HARBORSTONE CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.

The SBA's public loan data lists 230 SBA-backed approvals for Harborstone Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):

• 196 7(a) loans as the lender: $164.9M in total (gross amount approved), median $512,100
• 34 504 projects as the third-party (first-lien) lender: $27.3M in total (its own third-party loan amount), median $666,875

By fiscal year: FY2020 20 · FY2021 42 · FY2022 29 · FY2023 24 · FY2024 33 · FY2025 56 · FY2026 26.

How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Harborstone CU”, “Harborstone Credit Union”); NCUA charter 66399, found through the RSSD ID in NCUA records (SBA lists “Harborstone CU”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Harborstone Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

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