Applications / Mortgage Analytics / Lenders / Colorado / On Tap Credit Union
Golden, CO · Credit union · NCUA · $420 million assets · 101 loans in 2025
On Tap Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
101
loans originated, 2025
180
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
On Tap Credit Union rarely finances a home purchase: most of its 101 loans in 2025 were home-improvement or other-purpose loans to people who already own their homes.
Other-purpose loans made up 44.6% of its lending and home improvement 32.7%; purchases were just 6.9%. Its typical loan was $85,000, against $95,000 at the typical similar lender (credit unions making between half and twice as many loans).
Low- and moderate-income (LMI) borrowers took 39.0% of its loans, against 29.9% at the typical peer, a share higher than at about three in four of them. In 2020 the figure was 30.2%.
Its typical rate was 7.24%, against 6.75% at peers, yet only 1.0% of its loans were higher-priced, at a rate well above the average for similar loans, against 3.4%. Home-improvement and other-purpose loans often carry higher rates than purchase mortgages, which may explain the gap.
Its loans fell 18%, from 123 to 101, while similar lenders grew by 8% and the whole market by 10%. As recently as 2023 it made 236. A pullback in home-improvement and other-purpose lending, or weaker demand for it, could explain the fall. It has lent around Denver since 1991 and made its first loans in Orlando in 2025.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. On Tap Credit Union took 180 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 44.6% · Home improvement 32.7% · Refinance 15.8% · Purchase 6.9%
Conventional 100.0% · of 101 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Colorado | 100 | 99.0% |
| Florida | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 90 |
| Greeley | 2 |
| Boulder | 1 |
| Fort Collins-Loveland | 1 |
| Orlando-Kissimmee-Sanford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BQPSF250Q8KQ79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 25197 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564913 | 1990–2016 |
Established 1 January 1950. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: On Tap Credit Union's data.
On Tap Credit Union's data
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On Tap Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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