Applications / Mortgage Analytics / Lenders / Washington / Peak Credit Union
Lacey, WA · Credit union · NCUA · $4.3 billion assets · 1,212 loans in 2025
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1,212
loans originated, 2025
2,205
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peak Credit Union is a Washington credit union whose lending is mostly home-improvement and other-purpose loans; its originations rose 2% in 2025, less than similar lenders'.
Home-improvement loans were 39.9% of its originations and other-purpose loans 29.4%; home purchase was 15.6% and refinance 15.2%. That sets it apart from lenders built around home-purchase mortgages. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans).
Originations rose 2% to 1,212, against 9% for the typical similar lender and 10% for the whole market. Its yearly totals have stayed between 1,007 and 1,469 since 2018. A lender making mostly home-improvement and other-purpose loans may grow at a different pace from one built on home purchase.
Of its loans, 21.8% were in low- and moderate-income (LMI) areas, against 15.0% for the typical similar lender, higher than about nine in ten of them and up from 14.3% five years before. Its share of loans to LMI borrowers, 26.9%, was near the middle.
In Olympia-Lacey-Tumwater, its largest market and where it has lent since 1991, it ranked 12 of 303 lenders with a 1.7% share, unchanged from the year before; United Wholesale Mortgage and Guild Mortgage Company led there. Few of its loans were higher-priced (a rate well above the average for similar loans): 0.2%, against 1.5% for similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peak Credit Union took 2,205 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.9% · Other 29.4% · Purchase 15.6% · Refinance 15.2%
Conventional 99.8% · VA 0.2% · of 1,212 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 | 695 | 57.3% |
| Oregon | 517 | 42.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Olympia-Lacey-Tumwater | 283 |
| Eugene-Springfield | 187 |
| Portland-Vancouver-Hillsboro | 108 |
| Tacoma-Lakewood | 47 |
| Medford | 41 |
| Albany | 31 |
| Bend | 30 |
| Salem | 18 |
| Seattle-Bellevue-Kent | 16 |
| Grants Pass | 12 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UBGGLZLZEY0M18 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 212193 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568271 | 1997–2017 |
Established 1 January 1938. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Peak Credit Union's data.
Peak Credit Union's data
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Peak 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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