Applications / Mortgage Analytics / Lenders / Washington / North Coast Credit Union
Bellingham, WA · Credit union · NCUA · $421 million assets · 49 loans in 2025
North Coast Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
49
loans originated, 2025
78
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North Coast Credit Union, a Bellingham lender, makes far larger loans than similar credit unions but is losing ground at home.
Its typical loan in 2025 was $305,000, up from $185,000 a year earlier and against $90,000 at similar credit unions (those making between half and twice as many loans). That is higher than at almost all of them. Its 49 loans came to $19.0 million, against $6.8 million at a typical peer. Purchases and refinances each made up 49.0% of its lending.
It has lent in Bellingham since 1991. There its share fell to 0.4% from 0.7%, and it ranks 43 of 256; Whatcom Educational Credit Union leads. In Mount Vernon-Anacortes its share fell to 0.5% from 0.9%. Its loans fell 16% while similar credit unions grew 5%. With so few loans, a handful fewer is enough to move its share, and a lender making larger loans may simply have made fewer of them.
Low- and moderate-income borrowers took 19.1% of its loans, down from 33.3% and against 31.4% at peers, lower than at about four in five. Its larger loans may explain much of that, since a bigger mortgage needs a bigger income.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. North Coast Credit Union took 78 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 49.0% · Refinance 49.0% · Other 2.0%
Conventional 100.0% · of 49 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 | 98.0% |
| Idaho | 1 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bellingham | 24 |
| Mount Vernon-Anacortes | 17 |
| Everett | 6 |
| Boise City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JE1TOUVEDSGD05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1892 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566734 | 1991–2017 |
Established 1 January 1938. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: North Coast Credit Union's data.
North Coast Credit Union's data
$215
North Coast 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.
Buy North Coast Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]