Harbor Pointe Credit Union
Harbor Pointe Credit Union received 104 applications in 2025 and made 103 mortgages, in 8 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 104 decisions, 1 were denials — 1.0%.
| Legal Entity Identifier | 254900CCCPJ8S6GUIT87 |
|---|---|
| Applications received | 104 |
| Mortgages made | 103 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 38 | Not published | $200,000 | 0.0% |
| Refinancing | 28 | Not published | $105,000 | 0.0% |
| Cash-out refinancing | 24 | Not published | $130,000 | 4.0% |
| Other purposes | 13 | Not published | $75,000 | 0.0% |
Where Harbor Pointe Credit Union lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Louis County, MN | 71 | Not published | 0.0% |
| Carlton County, MN | 20 | Not published | 4.8% |
| Douglas County, WI | 6 | Under 10 loans | 0.0% |
| Lake County, MN | 2 | Under 10 loans | 0.0% |
| Aitkin County, MN | 1 | Under 10 loans | 0.0% |
| Cass County, MN | 1 | Under 10 loans | 0.0% |
| Itasca County, MN | 1 | Under 10 loans | 0.0% |
| Ashland County, WI | 1 | Under 10 loans | 0.0% |
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When Harbor Pointe Credit Union’s figures are published for the next year, or restated.
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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.