Applications / Mortgage Analytics / Lenders / Washington / Peninsula Community Federal Credit Union
Shelton, WA · Credit union · NCUA · $308 million assets · 31 loans in 2025
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31
loans originated, 2025
73
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peninsula Community Federal Credit Union, a Washington lender reporting since 1993, makes few mortgages, and more than four in five of its 31 loans in 2025 were for something other than buying or refinancing a home.
Other-purpose loans made up 83.9% of its lending; purchases were 9.7%. Its typical loan was $65,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at more than four in five of them. Loans that do not buy a house tend to be small, so the size may follow from the mix.
It made 88 loans in 2021 and 29 in 2024. In 2025 its count rose 7%, while similar lenders fell 2% and the whole market rose 10%. Dollars fell from $4.7 million to $3.1 million because the typical loan shrank, from $115,000 to $65,000.
Its typical rate was 7.65%, against 6.75% at similar lenders, higher than about nine in ten of them. Two features of its book may explain much of that: other-purpose loans often carry higher rates than first mortgages, and 12.9% of its loans were on manufactured homes, where most similar lenders make none. With 31 loans, a handful of mortgages moves any of these shares.
It has lent around Bremerton and Olympia since 1993 but holds well under 1% of either market. United Wholesale Mortgage ranks first in both. Its 2025 rank in Bremerton was 170 of 326.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peninsula Community Federal Credit Union took 73 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 83.9% · Purchase 9.7% · Refinance 6.5%
Conventional 100.0% · of 31 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 | 31 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bremerton-Silverdale-Port Orchard | 10 |
| Olympia-Lacey-Tumwater | 1 |
| Tacoma-Lakewood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TEBV514KLDE180 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 949471 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5665 | 1993–2017 |
Established 1 January 1935. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Peninsula Community Federal Credit Union's data.
Peninsula Community Federal Credit Union's data
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Peninsula 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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