Lender in Washington · HMDA 2025
Idaho Central Credit Union mortgages in Washington
Idaho Central Credit Union's 2025 home-purchase and refinance lending in Washington, compared with all lenders in the state.
Idaho Central Credit Union originated 272 owner-occupied single-family loans in Washington from 401 completed applications.
Its median conventional purchase loan costs were $4,780 versus $6,530 for all Washington lenders, at a median 30-year fixed rate of 6.49% (Washington: 6.625%).
Loans in WA
272
of 401 applications
Denial rate
2.1%
Purchase · WA 5.9%
Rate spread
+0.06 pts
Conv. · WA +0.10 pts
Loan amount
$385,000
Purchase · WA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 284 | 215 | 2.1% | 6.490% | +0.06 pts | $4,780 | $385,000 |
| Refinance | 65 | 37 | 10.8% | — | −0.12 pts | $3,230 | $415,000 |
| Cash-out refinance | 52 | 20 | 19.2% | — | — | — | $295,000 |
*Conventional loans only; medians with at least 20 loans.
Washington counties where Idaho Central Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Asotin County | 3 | 26 | 8.8% |
| Whitman County | 6 | 18 | 4.2% |
| Lincoln County | 12 | 4 | 2.3% |
| Spokane County | 13 | 176 | 2.4% |
| Stevens County | 15 | 8 | 1.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology