Applications / Mortgage Analytics / Lenders / Washington / NorthWest Plus Credit Union
Everett, WA · Credit union · NCUA · $315 million assets · 21 loans in 2025
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21
loans originated, 2025
35
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NorthWest Plus Credit Union, a credit union in Everett, Washington, made 21 home loans in 2025, about a tenth of the 219 it made in 2020.
Its count fell from 219 in 2020 to 70 in 2022, 30 in 2023, 27 in 2024 and 21 in 2025. The 22% drop last year was steeper than at about seven in ten similar lenders, meaning credit unions making between half and twice as many loans. The typical one made 5% fewer loans, while the whole market grew 10%. Higher rates may explain part of it: its typical rate was 3.25% in 2020 and 6.88% in 2025, and two-thirds of its loans are refinances.
It has reported since 1992 and in 2010 merged with All City Credit Union. It lends across six counties of Washington. In the Seattle area it ranked 373 of 597 lenders, a market Boeing Employees' Credit Union leads.
All its loans were conventional, and two-thirds were refinances. Beyond that, 21 loans are too few to say much about its borrowers, its neighborhoods or its prices. Together they came to $5.7 million, more than at about three-quarters of similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. NorthWest Plus Credit Union took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 66.7% · Purchase 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 | 21 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Everett | 11 |
| Mount Vernon-Anacortes | 4 |
| Bellingham | 2 |
| Tacoma-Lakewood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900IHSG9OOX0DZH92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 82891 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567262 | 1992–2017 |
Established 1 January 1939. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: NorthWest Plus Credit Union's data.
NorthWest Plus Credit Union's data
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NorthWest Plus 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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