Applications / Mortgage Analytics / Lenders / Washington / Tri-Cities Community Federal Credit Union
Kennewick, WA · Credit union · NCUA · $76.9 million assets · 70 loans in 2025
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70
loans originated, 2025
143
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tri-Cities Community Federal Credit Union is a small refinance lender in Washington's Kennewick-Richland area, and in 2025 it made fewer loans while its market grew.
Refinances made up 77.1% of its 70 loans in 2025; home purchases were only 18.6%. Its typical loan was $50,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), which puts it among the lowest twentieth of them. One possible reason is manufactured homes, which cost less than site-built ones: they were 14.3% of its loans, while most similar lenders made none.
Its loans fell 19%, from 86 to 70, while similar lenders grew 7% and the whole market 10%. The count has slipped each year since its first report in 2022, when it made 97. With so few loans, a handful of refinances more or less moves the total a long way. In Kennewick-Richland its share eased to 0.2% from 0.3%, ranking it 57 of 281 lenders behind United Wholesale Mortgage, CMG Mortgage and Gesa Credit Union.
Borrowers with low or moderate incomes (LMI) took 42.9% of its loans, against 30.9% at similar lenders, more than at about four in five of them. A quarter of its loans, 25.7%, went to homes in LMI neighborhoods, against 17.2% for peers. These are the measures the Community Reinvestment Act asks banks about.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Tri-Cities Community Federal Credit Union took 143 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 77.1% · Purchase 18.6% · Home improvement 4.3%
Conventional 100.0% · of 70 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 | 70 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kennewick-Richland | 69 |
| Walla Walla | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900Q3NKMPZB4K2E34 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 303185 | 2022–2023 |
Established 1 January 1969. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Tri-Cities Community Federal Credit Union's data.
Tri-Cities Community Federal Credit Union's data
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Tri-Cities Community 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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