Applications / Mortgage Analytics / Lenders / Washington / Gesa Credit Union
Richland, WA · Credit union · NCUA · $6.5 billion assets · 2,230 loans in 2025
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2,230
loans originated, 2025
3,368
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gesa Credit Union ranks 3 of 281 lenders in its home market of Kennewick-Richland, where its share rose to 7.5% from 6.4% in 2025.
In Kennewick-Richland it ranked behind only United Wholesale Mortgage and CMG Mortgage. Its share also rose in Yakima, to 3.3% from 3.2%, ranking 9 of 216, and in Spokane-Spokane Valley, to 1.3% from 1.1%. It merged with Security State Bank in 2025, and that bank's filings count as Gesa's in these market figures, which could account for part of the gains.
Similar lenders are credit unions making between half and twice as many loans. Its loans split almost evenly: purchases 29.1%, refinancing 26.1%, home improvement 24.7% and other purposes 20.2%. Manufactured homes were 6.5% of its loans against 0.3%, higher than nearly all similar lenders.
3.3% of its loans were higher-priced (a rate well above the average for similar loans) against 1.7%, and its typical rate of 7.50% was higher than about four in five similar lenders' 7.00%. Manufactured-home loans, and its home-improvement and other-purpose lending, could account for much of that.
Its typical loan rose to $175,000 from $125,000, higher than about four in five similar lenders' $115,000. Originations rose 10% to 2,230, the same as the whole market and near similar lenders' 11%. 17.3% of its loans were in LMI (low- and moderate-income) areas against 15.1%.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Gesa Credit Union took 3,368 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 29.1% · Refinance 26.1% · Home improvement 24.7% · Other 20.2%
Conventional 100.0% · of 2,230 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 |
|---|---|---|
| Washington | 2,070 | 92.8% |
| Idaho | 93 | 4.2% |
| Oregon | 67 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kennewick-Richland | 805 |
| Spokane-Spokane Valley | 213 |
| Yakima | 189 |
| Seattle-Bellevue-Kent | 156 |
| Walla Walla | 131 |
| Wenatchee-East Wenatchee | 101 |
| Tacoma-Lakewood | 69 |
| Everett | 65 |
| Coeur d'Alene | 59 |
| Bremerton-Silverdale-Port Orchard | 30 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001B4U37VT2ML818 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 389086 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568278 | 1998–2017 |
Established 1 January 1953. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Gesa Credit Union's data.
Gesa Credit Union's data
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Gesa 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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