Applications / Mortgage Analytics / Lenders / Washington / Mountain Pacific Bank
Everett, WA · State non-member bank · FDIC · $828 million assets · 21 loans in 2025
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21
loans originated, 2025
30
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mountain Pacific Bank, a Washington bank, makes few home loans, but they are far larger than those of similar banks.
Its 21 loans in 2025 came to $37.3 million, against $8.1 million at the typical similar lender (state non-member banks making between half and twice as many loans), whose typical loan was $175,000. The pattern held in 2024, when its typical loan was $805,000 across 35 loans. Many of its loans were jumbo (larger than the conforming limit), where its typical peer made none.
It made 21 loans in 2025, down from 35, a steeper fall than the 12% drop at similar banks. With so few loans, a handful more or less moves every figure, and nothing here should be read as a trend.
It filed no report for 2018 to 2022. Those years are gaps in the record, not years without lending; since 2020 a bank making fewer than 100 closed-end loans a year need not report. It first reported in 2007, the year it entered Seattle.
Every loan was conventional, with no government-backed lending. Two in three were for home purchases. Its loans reach three states, including Phoenix and Bend, but Washington is its home.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Mountain Pacific Bank took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 33.3%
Conventional 100.0% · of 21 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 | 16 | 76.2% |
| Arizona | 4 | 19.0% |
| Oregon | 1 | 4.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Everett | 7 |
| Seattle-Bellevue-Kent | 5 |
| Phoenix-Mesa-Chandler | 4 |
| Bellingham | 1 |
| Bend | 1 |
| Mount Vernon-Anacortes | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900OHZRY6VWYMJQ91 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3459207 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358341 | 2007–2016 |
Established 24 July 2006. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Mountain Pacific Bank's data.
Mountain Pacific Bank's data
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