Applications / Mortgage Analytics / Lenders / Washington / Solarity Credit Union
Yakima, WA · Credit union · NCUA · $834 million assets · 273 loans in 2025
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273
loans originated, 2025
530
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Solarity Credit Union more than tripled its loans in 2025, most of them home-improvement and other loans, and more than doubled its share of the Yakima market.
Its loans rose 264%, from 75 to 273, faster than almost every similar lender: credit unions making between half and twice as many loans, whose typical growth was 6%. Yet it made 1,079 loans in 2020, and 273 is about a quarter of that.
Home-improvement and other loans made up 28.2% and 35.9% of its lending; purchases and refinances, less than two-fifths together. Its typical loan halved, to $125,000 from $265,000. Its typical rate, 7.75%, was higher than at nearly nine in ten similar credit unions, which typically charged 6.88%; such loans may carry higher rates, and manufactured homes, at 6.6% of its loans against 0.2% at the typical peer, may add to that.
In Yakima its share rose to 3.5% from 1.3%, putting it seventh of 216 lenders. CMG Mortgage leads that market with $214.4M. Elsewhere its shares are tiny; it entered Dallas-Fort Worth, St. Louis and Albuquerque in 2025.
Of its loans, 39.6% were in majority-minority neighborhoods, against 12.9% at the typical similar credit union, a higher share than about four in five of them. In 2024 the figure was 32.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Solarity Credit Union took 530 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 35.9% · Home improvement 28.2% · Purchase 19.4% · Refinance 16.5%
Conventional 100.0% · of 273 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 | 267 | 97.8% |
| Oregon | 2 | 0.7% |
| Texas | 2 | 0.7% |
| Missouri | 1 | 0.4% |
| New Mexico | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Yakima | 236 |
| Wenatchee-East Wenatchee | 9 |
| Kennewick-Richland | 4 |
| Seattle-Bellevue-Kent | 3 |
| Everett | 2 |
| Portland-Vancouver-Hillsboro | 2 |
| Albuquerque | 1 |
| Beaumont-Port Arthur | 1 |
| Bremerton-Silverdale-Port Orchard | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GGB04TG4AH1377 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 215895 | 2004–2011 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 340993 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568061 | 1994–2017 |
Established 1 January 1951. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Solarity Credit Union's data.
Solarity Credit Union's data
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Solarity 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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