ON TAP CREDIT UNION
ON TAP CREDIT UNION received 165 applications in 2025 and made 101 mortgages, in 22 counties across 3 states. The median rate its borrowers got was 7.240% on a median loan of $85,000. Of 142 decisions, 40 were denials — 28.2%, most often for other.
| Legal Entity Identifier | 549300BQPSF250Q8KQ79 |
|---|---|
| Applications received | 165 |
| Mortgages made | 101 |
| Denied | 40 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 23 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.2855 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Refinancing | 15 | 6.625% | $115,000 | 11.8% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 78 | 7.240% | $65,000 | 31.3% |
Where ON TAP CREDIT UNION lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, CO | 50 | 7.000% | 23.9% |
| Adams County, CO | 18 | 7.070% | 33.3% |
| Denver County, CO | 8 | Under 10 loans | 38.5% |
| Arapahoe County, CO | 5 | Under 10 loans | 16.7% |
| Douglas County, CO | 4 | Under 10 loans | 33.3% |
| Park County, CO | 3 | Under 10 loans | 0.0% |
| Grand County, CO | 2 | Under 10 loans | 0.0% |
| Weld County, CO | 2 | Under 10 loans | 60.0% |
| Boulder County, CO | 1 | Under 10 loans | 50.0% |
| Broomfield County, CO | 1 | Under 10 loans | 0.0% |
| Clear Creek County, CO | 1 | Under 10 loans | 0.0% |
| Eagle County, CO | 1 | Under 10 loans | 0.0% |
| Kit Carson County, CO | 1 | Under 10 loans | 0.0% |
| Larimer County, CO | 1 | Under 10 loans | 0.0% |
| Prowers County, CO | 1 | Under 10 loans | 0.0% |
| Rio Blanco County, CO | 1 | Under 10 loans | 0.0% |
| Lake County, FL | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 0 | Under 10 loans | 100.0% |
| Garfield County, CO | 0 | Under 10 loans | 100.0% |
| Morgan County, CO | 0 | Under 10 loans | Not published |
| Pueblo County, CO | 0 | Under 10 loans | 100.0% |
| Kendall County, TX | 0 | Under 10 loans | Not published |
Get told when this changes
When ON TAP CREDIT UNION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.