TAPCO Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
18th21.1% deniedProcesswithdrawn + incomplete share, weight 15%
83rd3.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 375 | 274 | 18.7% | 19.8% | — | $38M |
| 2024 | 314 | 222 | 18.8% | 20.2% | — | $31M |
| 2025 | 295 | 207 | 20.3% | 21.1% | — | $29M |
What TAPCO Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 16 investment properties.
Who gets approved at TAPCO Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 73 | 44 | 30.0% |
| $100k – $150k | 84 | 65 | 17.9% |
| $150k – $250k | 80 | 62 | 13.3% |
| Over $250k | 36 | 27 | 17.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 22 | 10 | 40.9% |
| 35–44 | 52 | 25 | 43.5% |
| 45–54 | 58 | 45 | 17.2% |
| 55–64 | 71 | 56 | 13.0% |
| 65–74 | 61 | 48 | 10.2% |
| Over 74 | 29 | 21 | 21.4% |
Where TAPCO Credit Union lends
2 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Washington | 294 | 206 | 20.4% | — | #152 |
Frequently asked questions
TAPCO Credit Union denied 21.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 18th percentile of small mortgage lenders.
In 2025, 4% of its applications were for home purchases, 22% for refinancing (including cash-out), and 74% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.