Applications / Mortgage Analytics / Lenders / Washington / Cheney Federal Credit Union
Cheney, WA · Credit union · NCUA · $148 million assets · 48 loans in 2025
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48
loans originated, 2025
54
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cheney Federal Credit Union nearly doubled its lending in 2025, and its loans are more than twice the size of those at similar credit unions.
It made 48 loans in 2025, up from 25 in 2024, a rise of 92%. Similar lenders, credit unions making between half and twice as many loans, grew 5%, and the whole market 10%. Its rise was higher than at about nineteen in twenty of them. On so few loans, a handful either way moves that figure a lot. It filed no report for 2020 to 2022; those years are gaps in the record.
Its typical loan was $205,000, against $90,000 at similar lenders, higher than at more than four in five of them. Other-purpose loans made up 45.8% of its lending, more than refinances or home purchases. Manufactured homes took 16.7%; the typical similar lender made none.
Low- and moderate-income (LMI) borrowers took 20.8% of its loans, against 31.4% at similar lenders. LMI neighborhoods took 10.4%, against 17.5%. Both are lower than at about three-quarters of its peers. Its larger loans may be one reason; its four counties in Washington may also hold fewer such neighborhoods. With 48 loans, these shares can swing from year to year.
It ranked 64 of 346 lenders in Spokane-Spokane Valley, with 0.2% of the market, up 0.1 points. United Wholesale Mortgage led, with Spokane Teachers Credit Union second.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Cheney Federal Credit Union took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 45.8% · Refinance 31.3% · Purchase 22.9%
Conventional 100.0% · of 48 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 | 48 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Spokane-Spokane Valley | 46 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S8TEY5RFIBTE30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 595083 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57101 | 1990–2017 |
Established 1 January 1951. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Cheney Federal Credit Union's data.
Cheney Federal Credit Union's data
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Cheney Federal 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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