Applications / Mortgage Analytics / Lenders / Washington / TAPCO Credit Union
Fircrest, WA · Credit union · NCUA · $698 million assets · 207 loans in 2025
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207
loans originated, 2025
295
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TAPCO Credit Union lends mostly against homes its members already own: only 4.3% of its 2025 loans paid for a purchase.
Home improvement took 35.3% of its loans, other purposes 33.3% and refinances 27.1%. Purchases were a sliver. Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans), a size that fits a book of improvement and other borrowing rather than first mortgages for buyers.
Its loans fell 7%, to 207, while similar lenders grew 7% and the whole market 10%. About three in four peers grew faster. The figures do not show why. Its volume peaked at 336 in 2021 and has been lower in every year since.
It has lent in Seattle-Tacoma-Bellevue since 1998 and ranked 202 of 597 lenders there, where Boeing Employees' Credit Union leads with $3.14B. It is gaining ground in smaller markets: its share rose to 0.2% in Yakima, which it entered in 2021, and to 0.1% in Bremerton-Silverdale-Port Orchard.
Majority-minority neighborhoods took 13.0% of its loans, close to the 10.4% at similar lenders and near the middle of the group. Nearly all its loans were conventional, as is usual for a credit union of its size.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TAPCO Credit Union took 295 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.3% · Other 33.3% · Refinance 27.1% · Purchase 4.3%
Conventional 99.5% · VA 0.5% · of 207 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 | 206 | 99.5% |
| Nevada | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tacoma-Lakewood | 167 |
| Seattle-Bellevue-Kent | 11 |
| Bremerton-Silverdale-Port Orchard | 6 |
| Olympia-Lacey-Tumwater | 6 |
| Everett | 4 |
| Yakima | 2 |
| Las Vegas-Henderson-North Las Vegas | 1 |
| Longview-Kelso | 1 |
| Portland-Vancouver-Hillsboro | 1 |
| Spokane-Spokane Valley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VZDEK4QLTWSL15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 662396 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568298 | 1998–2017 |
Established 1 January 1934. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: TAPCO Credit Union's data.
TAPCO Credit Union's data
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TAPCO 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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