Applications / Mortgage Analytics / Lenders / Washington / Spokane Firefighters Credit Union
Spokane, WA · Credit union · NCUA · $84.2 million assets · 60 loans in 2025
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60
loans originated, 2025
88
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Spokane Firefighters Credit Union lends mainly for home improvement, and in 2025 it made 76% more loans after two flat years.
Over half its loans, 51.7%, were for home improvement. Refinances made up 21.7% and home purchases only 10.0%. Every loan was conventional. Its typical loan was $160,000, larger than at about four in five similar lenders, credit unions making between half and twice as many loans, where the typical loan was $95,000.
It made 60 loans, up from 34 in each of the two previous years. That growth was higher than at more than nine in ten peers, whose typical growth was 7%. Its lending still sits well below 2020, when it made 152 loans.
It has reported in Spokane since 2016. Its share of that market rose from 0.1% to 0.2%, ranking it 68 of 346 lenders. United Wholesale Mortgage led the market, with Spokane Teachers Credit Union second. It also lends across the border in Coeur d'Alene, Idaho, where its share is too small to register.
None of its loans was higher-priced, meaning a rate well above the average for similar loans; the typical peer had 3.2%. Its typical rate, 7.50%, was higher than the 6.75% typical of its peers, which may reflect its reliance on home-improvement lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Spokane Firefighters Credit Union took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 51.7% · Refinance 21.7% · Other 16.7% · Purchase 10.0%
Conventional 100.0% · of 60 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 | 53 | 88.3% |
| Idaho | 7 | 11.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Spokane-Spokane Valley | 48 |
| Coeur d'Alene | 6 |
| Bremerton-Silverdale-Port Orchard | 1 |
| Everett | 1 |
| Tacoma-Lakewood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000OOREHUZON5E13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 680699 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568205 | 2016–2017 |
Established 1 January 1934. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Spokane Firefighters Credit Union's data.
Spokane Firefighters Credit Union's data
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Spokane Firefighters 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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