Applications / Mortgage Analytics / Lenders / Washington / People's Community Federal Credit Union
Vancouver, WA · Credit union · NCUA · $281 million assets · 4 loans in 2025
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4
loans originated, 2025
7
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
People's Community Federal Credit Union, a Vancouver, Washington, credit union reporting since 2000, has almost stopped making mortgages: it made 4 in 2025, against 44 in 2020.
It made between 30 and 44 loans a year from 2018 to 2021. The count then fell to 22 in 2022, 7 in 2023 and 4 in each of the last two years. Dollars followed, from $9.9 million in 2020 to $540,000 in 2025. All its 2025 loans were refinances, so fewer members wanting to refinance could explain some of the fall, though the data do not show it.
All 4 of its 2025 loans were refinances, and all were conventional. Its typical loan was $65,000, against $150,000 at similar lenders (credit unions making between half and twice as many loans), but four loans are far too few to say what kind of borrower it serves or how its prices compare.
Its count was unchanged in 2025, while the typical similar lender fell 40% and the whole market rose 10%. Among 16 lenders this small, a loan or two decides such changes, so the comparison carries little weight.
Its only large market is Portland-Vancouver-Hillsboro, where it has lent since 2000 and ranked 473 of 566 lenders in 2025, with a share that rounds to nothing. United Wholesale Mortgage ranks first there and OnPoint Community Credit Union second.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. People's Community Federal Credit Union took 7 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 100.0%
Conventional 100.0% · of 4 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 | 3 | 75.0% |
| Oregon | 1 | 25.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Portland-Vancouver-Hillsboro | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900MRUZFHXLEPLR52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 419282 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568405 | 2000–2004 |
| Respondent ID (the HMDA filer code before 2018) | 524713 | 2005–2017 |
Established 1 January 1952. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: People's Community Federal Credit Union's data.
People's Community Federal Credit Union's data
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People's 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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