NUMERICA CREDIT UNION
NUMERICA CREDIT UNION received 2,861 applications in 2025 and made 1,559 mortgages, in 57 counties across 12 states. The median rate its borrowers got was 7.750% on a median loan of $105,000. Of 2,591 decisions, 1,023 were denials — 39.5%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300N52O6FKUCU5G62 |
|---|---|
| Applications received | 2,861 |
| Mortgages made | 1,559 |
| Denied | 1,023 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 270 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.55 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 234 | 6.875% | $355,000 | 24.0% |
| Refinancing | 25 | 6.875% | $235,000 | 35.9% |
| Cash-out refinancing | 397 | 7.750% | $155,000 | 37.2% |
| Other purposes | 903 | 7.750% | $105,000 | 43.4% |
Where NUMERICA CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Spokane County, WA | 681 | 7.750% | 35.6% |
| Kootenai County, ID | 192 | 7.750% | 35.8% |
| Benton County, WA | 176 | 7.750% | 41.6% |
| Chelan County, WA | 132 | 8.000% | 38.9% |
| Douglas County, WA | 105 | 7.750% | 39.7% |
| Franklin County, WA | 91 | 8.000% | 55.8% |
| Stevens County, WA | 30 | 7.750% | 42.3% |
| Bonner County, ID | 26 | 7.750% | 27.8% |
| Grant County, WA | 18 | 7.250% | 58.1% |
| Lincoln County, WA | 13 | 7.000% | 43.5% |
| Yakima County, WA | 12 | 7.750% | 55.2% |
| Pend Oreille County, WA | 10 | 7.313% | 33.3% |
| King County, WA | 8 | Under 10 loans | 42.9% |
| Whitman County, WA | 8 | Under 10 loans | 25.0% |
| Okanogan County, WA | 5 | Under 10 loans | 50.0% |
| Benewah County, ID | 4 | Under 10 loans | 20.0% |
| Shoshone County, ID | 4 | Under 10 loans | 66.7% |
| Kittitas County, WA | 4 | Under 10 loans | 20.0% |
| Walla Walla County, WA | 4 | Under 10 loans | 50.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| Boundary County, ID | 3 | Under 10 loans | 0.0% |
| Latah County, ID | 3 | Under 10 loans | 25.0% |
| Adams County, WA | 3 | Under 10 loans | 62.5% |
| Grays Harbor County, WA | 3 | Under 10 loans | 25.0% |
| Clark County, WA | 2 | Under 10 loans | 0.0% |
| Pierce County, WA | 2 | Under 10 loans | 33.3% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Pinal County, AZ | 1 | Under 10 loans | 0.0% |
| Bingham County, ID | 1 | Under 10 loans | 0.0% |
| Bonneville County, ID | 1 | Under 10 loans | 0.0% |
| Idaho County, ID | 1 | Under 10 loans | 0.0% |
| Lake County, MT | 1 | Under 10 loans | 0.0% |
| Park County, MT | 1 | Under 10 loans | 0.0% |
| Baker County, OR | 1 | Under 10 loans | 0.0% |
| Clackamas County, OR | 1 | Under 10 loans | 0.0% |
| Deschutes County, OR | 1 | Under 10 loans | 0.0% |
| Grant County, OR | 1 | Under 10 loans | 0.0% |
| Umatilla County, OR | 1 | Under 10 loans | 66.7% |
| Clallam County, WA | 1 | Under 10 loans | 0.0% |
| Ferry County, WA | 1 | Under 10 loans | 0.0% |
| Klickitat County, WA | 1 | Under 10 loans | 50.0% |
| Snohomish County, WA | 1 | Under 10 loans | 66.7% |
| Thurston County, WA | 1 | Under 10 loans | 50.0% |
| Matanuska-Susitna Borough, AK | 0 | Under 10 loans | 100.0% |
| Graham County, AZ | 0 | Under 10 loans | Not published |
| Riverside County, CA | 0 | Under 10 loans | 100.0% |
| Pasco County, FL | 0 | Under 10 loans | Not published |
| Caribou County, ID | 0 | Under 10 loans | 100.0% |
| Clearwater County, ID | 0 | Under 10 loans | 100.0% |
| Gem County, ID | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.