What loan types does Harborstone offer?

Harborstone offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Harborstone offer mortgages?

Harborstone offers mortgages in 1 states: WA.

How competitive are Harborstone's mortgage rates?

Harborstone has an overall pricing score of 91.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Harborstone?

Harborstone is a Credit Union headquartered in Lakewood, WA.

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Harborstone

Credit Union•Lakewood, WAHQ•Direct•Reviews near you on Google

Harborstone has 31 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 3.20 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Harborstone performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 3.2 bps below market avg

5/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

30 loans · 0.04% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

18 loans · 0.07% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

13 loans · 0.01% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Acceptable	30	96.8%	-0.035%Below	$1,051Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume30

Mix96.8%

Spread

-0.035%Below

Fees

$1,051Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	—	Acceptable	18	58.1%	-0.066%Below	$1,042Fees
Refinance	Acceptable	Acceptable	—	Acceptable	13	41.9%	+0.015%Above	$1,066Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume18

Mix58.1%

Spread

-0.066%Below

Fees

$1,042Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume13

Mix41.9%

Spread

+0.015%Above

Fees

$1,066Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$12 million

Pricing & Closing

Avg Rate Spread

-0.032%

vs. market APOR

Avg Net Fees

$1,052

Origination − Credits

Pullthrough Rate

59.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$413,710

Avg Borrower Income

$152,871

Avg Property Value

$668,548

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

All statesNone

West1

Top Metro Areas by Place Specialization Score

Tacoma, WAMetro

Volume 19Mix 61.29% of portfolio

62/100

Strong

Top States by Place Specialization Score

WashingtonState

Volume 31Mix 100.00% of portfolio

61/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.