Applications / Mortgage Analytics / Lenders / Washington / Spokane Teachers Credit Union
Liberty Lake, WA · Credit union · NCUA · $6.3 billion assets · 2,375 loans in 2025
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2,375
loans originated, 2025
4,298
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Spokane Teachers Credit Union ranks 2 of 346 mortgage lenders in Spokane-Spokane Valley, and about half its loans are for home improvement or other purposes rather than buying or refinancing a home.
Home-improvement loans make up 32.3% of its lending and other purposes 17.1%, against 23.8% for purchases and 26.7% for refinances. That mix goes with smaller loans: its typical loan of $105,000 is lower than at about four in five similar lenders (credit unions making between half and twice as many loans), where the typical loan is $120,000.
Its share of Spokane-Spokane Valley rose from 5.5% to 5.9%, behind only United Wholesale Mortgage, in a market it has lent in since 1997. Its own originations rose 13%, against 10% for similar lenders and the whole market. Community Bank, which merged with it in 2025, counts as part of it in the competition figures, so the merger may account for some of the share gain.
17.9% of its loans were in LMI (low- and moderate-income) tracts, higher than at three-quarters of similar lenders, whose typical share is 14.7%. Only 2.9% were in majority-minority tracts, against 11.8% at similar lenders, among the lowest sixth. One possible reason is the markets it serves: Spokane, Coeur d'Alene and non-metro Washington and Idaho, which may hold fewer such tracts than its peers' markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Spokane Teachers Credit Union took 4,298 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 32.3% · Refinance 26.7% · Purchase 23.8% · Other 17.1%
Conventional 98.3% · FHA 1.7% · of 2,375 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 | 1,963 | 82.7% |
| Idaho | 374 | 15.7% |
| Oregon | 37 | 1.6% |
| Montana | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Spokane-Spokane Valley | 1,575 |
| Coeur d'Alene | 270 |
| Kennewick-Richland | 99 |
| Yakima | 18 |
| Wenatchee-East Wenatchee | 13 |
| Portland-Vancouver-Hillsboro | 8 |
| Seattle-Bellevue-Kent | 8 |
| Walla Walla | 7 |
| Everett | 6 |
| Lewiston | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TUSRLWD8ETNR90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 678892 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568203 | 1997–2017 |
Established 1 January 1934. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Spokane Teachers Credit Union's data.
Spokane Teachers Credit Union's data
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