HARBORSTONE
HARBORSTONE received 701 applications in 2025 and made 345 mortgages, in 36 counties across 8 states. The median rate its borrowers got was 7.750% on a median loan of $105,000. Of 645 decisions, 262 were denials — 40.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930028J11BWKUVGX50 |
|---|---|
| Applications received | 701 |
| Mortgages made | 345 |
| Denied | 262 |
| Approved, not taken up | 38 |
| Withdrawn or incomplete | 56 |
| Loans bought from other lenders | 64 |
| Median rate spread over the prime offer rate | 1.09 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 | 33 | 6.500% | $405,000 | 28.8% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 12 | 6.500% | $260,000 | 33.3% |
| Other purposes | 296 | 7.750% | $85,000 | 42.1% |
Where HARBORSTONE lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pierce County, WA | 210 | 7.500% | 39.6% |
| King County, WA | 46 | 7.625% | 46.8% |
| Thurston County, WA | 28 | 7.750% | 28.3% |
| Snohomish County, WA | 14 | 7.500% | 50.0% |
| Kitsap County, WA | 10 | 7.500% | 35.0% |
| Skagit County, WA | 6 | Under 10 loans | 62.5% |
| Whatcom County, WA | 5 | Under 10 loans | 28.6% |
| Lewis County, WA | 4 | Under 10 loans | 33.3% |
| Mason County, WA | 3 | Under 10 loans | 25.0% |
| Yakima County, WA | 3 | Under 10 loans | 40.0% |
| Clallam County, WA | 2 | Under 10 loans | 0.0% |
| Grays Harbor County, WA | 2 | Under 10 loans | 33.3% |
| Island County, WA | 2 | Under 10 loans | 50.0% |
| Okanogan County, WA | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Bell County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 50.0% |
| Grant County, WA | 1 | Under 10 loans | 66.7% |
| Kittitas County, WA | 1 | Under 10 loans | 0.0% |
| San Juan County, WA | 1 | Under 10 loans | 50.0% |
| Walla Walla County, WA | 1 | Under 10 loans | 0.0% |
| Whitman County, WA | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 0 | Under 10 loans | Not published |
| Riverside County, CA | 0 | Under 10 loans | 100.0% |
| Crow Wing County, MN | 0 | Under 10 loans | Not published |
| Hennepin County, MN | 0 | Under 10 loans | Not published |
| Johnson County, MO | 0 | Under 10 loans | 100.0% |
| Washoe County, NV | 0 | Under 10 loans | Not published |
| Clackamas County, OR | 0 | Under 10 loans | Not published |
| Deschutes County, OR | 0 | Under 10 loans | 100.0% |
| Multnomah County, OR | 0 | Under 10 loans | Not published |
| Chelan County, WA | 0 | Under 10 loans | 100.0% |
| Clark County, WA | 0 | Under 10 loans | Not published |
| Klickitat County, WA | 0 | Under 10 loans | Not published |
| Pacific County, WA | 0 | Under 10 loans | 50.0% |
| Spokane County, WA | 0 | Under 10 loans | 100.0% |
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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.