Applications / Mortgage Analytics / Lenders / Washington / Columbia Credit Union
Vancouver, WA · Credit union · NCUA · $2.6 billion assets · 1,179 loans in 2025
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1,179
loans originated, 2025
2,069
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Columbia Credit Union is a Vancouver, Washington credit union whose lending is mostly home improvement, refinance and other-purpose loans, ranking 26 of 566 lenders in Portland-Vancouver-Hillsboro.
Home improvement loans were 32.1% of its originations, refinances 29.6% and other-purpose loans 23.6%; home purchases were only 14.8%. Its typical loan, $105,000, matched similar lenders (credit unions making between half and twice as many loans), all of them conventional.
Its typical rate was 5.24%, against 7.00% at peers, lower than more than nine in ten of them, and its higher-priced share (a rate well above the average for similar loans) was 0.2%, against 1.5%. Its purchase denial rate, 6.1%, was near the middle of its peers (6.2%).
LMI (low- and moderate-income) borrowers took 32.7% of its loans, against 27.6% at peers, higher than about three-quarters of them, and up from 27.1% five years before. LMI areas took 16.7%, against 15.0%.
Originations rose 1% to 1,179, against 9% at peers and 10% for the whole market. The amount lent rose to $238.2 million from $159.2 million as its typical loan grew from $85,000. Its count is about half the 2,189 of 2020; the high point of its record since 2018.
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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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Columbia Credit Union took 2,069 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 32.1% · Refinance 29.6% · Other 23.6% · Purchase 14.8%
Conventional 100.0% · of 1,179 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 | 1,112 | 94.3% |
| Oregon | 64 | 5.4% |
| Arizona | 1 | 0.1% |
| Idaho | 1 | 0.1% |
| Utah | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 1,059 |
| Longview-Kelso | 58 |
| Tacoma-Lakewood | 7 |
| Everett | 6 |
| Seattle-Bellevue-Kent | 4 |
| Bend | 3 |
| Bremerton-Silverdale-Port Orchard | 3 |
| Salem | 2 |
| Eugene-Springfield | 1 |
| Lake Havasu City-Kingman | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000D6RXLNBZQYA47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 452588 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568186 | 1996–2017 |
Established 1 January 1952. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Columbia Credit Union's data.
Columbia Credit Union's data
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Columbia 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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