Applications / Mortgage Analytics / Lenders / Washington / Eastside Funding
Kirkland, WA · Non-bank or government lender · CFPB · 577 loans in 2025
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577
loans originated, 2025
800
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Eastside Funding is a Washington-only purchase lender with a large home-improvement business and more manufactured-home lending than nearly all similar lenders.
Purchases made up 72.1% of its 577 loans and home improvements 27.6%; it made almost no refinances. Manufactured homes accounted for 11.8% of its lending, against none at the typical similar lender, here a non-bank making between half and twice as many loans. That share is higher than at nearly all of them. Every loan was conventional.
Its typical loan was $275,000, against $370,000 at similar lenders. Almost a third of its loans, 31.4%, went to low- and moderate-income (LMI) neighborhoods, against 18.7%, a higher share than at about seven in ten of its peers. Smaller loans and manufactured homes may both reflect buyers at the cheaper end of the market.
Only 19.2% of its loans went to majority-minority neighborhoods, against 31.7% at similar lenders. One possible reason is geography: it lends only in Washington. Another is its mix of manufactured homes and home improvements, which may draw on different neighborhoods from ordinary purchase lending.
Its loans rose 13% in 2025, close to the 15% at similar lenders and above the market's 10%. It first reported in 2021 with 680 loans, dipped to 438 in 2023 and has climbed since. In Seattle-Tacoma-Bellevue, its largest market, it ranks 61 of 597 lenders, in a market led by Boeing Employees' Credit Union.
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, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Eastside Funding took 800 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.1% · Home improvement 27.6% · Refinance 0.3%
Conventional 100.0% · of 577 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 | 577 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Seattle-Bellevue-Kent | 183 |
| Tacoma-Lakewood | 166 |
| Everett | 78 |
| Bremerton-Silverdale-Port Orchard | 50 |
| Olympia-Lacey-Tumwater | 44 |
| Bellingham | 13 |
| Mount Vernon-Anacortes | 12 |
| Spokane-Spokane Valley | 2 |
| Longview-Kelso | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900FDPG829O6VBB05 | 2021–2025 |
Established 4 May 2004. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Eastside Funding's data.
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