Applications / Mortgage Analytics / Lenders / Washington / Olympia Federal Savings and Loan Association
Olympia, WA · Savings institution · FDIC · $1.0 billion assets · 212 loans in 2025
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212
loans originated, 2025
318
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Olympia Federal Savings and Loan Association is a hometown lender with an unusual sideline: manufactured homes made up 15.1% of its loans.
Manufactured homes took 15.1% of its loans, against 0.7% at similar lenders (savings institutions making between half and twice as many loans), more than at nearly all of them. Yet its typical loan, $345,000, was larger than at about four in five of its peers. Every loan was conventional.
Its loans rose 14% to 212, against 7% at similar lenders and 10% for the whole market. That followed a slide from 554 loans in 2020 to 186 in 2024. Refinances, now 15.6% of its loans, may have made up more of its lending at the 2020 peak.
Low- and moderate-income (LMI) borrowers took 30.0% of its loans, against 24.2% at similar lenders, more than at about three in four of them. Majority-minority areas took 0.5%, against 4.6%. Its lending is confined to one state and five metros, which may hold few such areas.
It ranks 13 of 303 lenders in Olympia-Lacey-Tumwater, WA, a market it has served since at least 1990. Its share held at 1.7%. United Wholesale Mortgage leads, ahead of Guild Mortgage Company.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Olympia Federal Savings and Loan Association took 318 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.9% · Refinance 15.6% · Home improvement 9.0% · Other 7.5%
Conventional 100.0% · of 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 | 212 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Olympia-Lacey-Tumwater | 131 |
| Bremerton-Silverdale-Port Orchard | 11 |
| Tacoma-Lakewood | 10 |
| Seattle-Bellevue-Kent | 3 |
| Bellingham | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008GIE3QVYB2FT28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 550279 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41925 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1701925 | 2011–2012 |
| Respondent ID (the HMDA filer code before 2018) | 328599 | 2013–2017 |
Established 1 January 1906. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Olympia Federal Savings and Loan Association's data.
Olympia Federal Savings and Loan Association's data
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Olympia Federal Savings and Loan Association 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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