# NUMERICA CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/numerica-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


NUMERICA CREDIT UNION is a credit union, headquartered in Spokane Valley, WA, serving borrowers across 5 states, with 181 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 82% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 43% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300N52O6FKUCU5G62
- **Headquarters:** Spokane Valley, WA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AZ, ID, MT, OR, WA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 57/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.289%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,290
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 181
- **Dollar Volume:** $73 million
- **Applications Received:** 290
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $404,669
- **Average Borrower Income:** $214,475
- **Average Property Value:** $573,122

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 147 | +0.386% | $4,451 | Sound ☺️ |
| FHA | 50/100 | 12 | +0.111% | $3,944 | Sound ☺️ |
| VA | 37/100 | 10 | -0.678% | $1,374 | Acceptable 🙂 |
| Jumbo | 42/100 | 12 | -0.101% | $5,841 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 121 loans, Score: 50/100 (Sound)
- Refinance: 26 loans, Score: 45/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 153 | $67M | +0.247% | Sound ☺️ |
| Refinance | 45/100 | 28 | $6M | +0.489% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WA | 155 | 0.18% | 76/100 |
| ID | 21 | 0.08% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Spokane | WA | 115 | 88/100 |
| Wenatchee | WA | 16 | 61/100 |
| Non |  | 16 | 30/100 |
| Coeur d'Alene, ID | ID | 14 | 52/100 |

## Where This Lender Ranks

NUMERICA CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Spokane for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Coeur d'Alene, ID for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Spokane for VA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/credit-unions/va-loans)
- 🏆 **#4** in Wenatchee for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/wenatchee/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Coeur d'Alene, ID for Jumbo Loans
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/jumbo-loans)
- 🏆 **#7** in Coeur d'Alene, ID for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/coeur-dalene-id/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Spokane Credit Unions
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/credit-unions)
- 🏆 **#8** in Spokane for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/spokane/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does NUMERICA CREDIT UNION offer?

NUMERICA CREDIT UNION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does NUMERICA CREDIT UNION offer mortgages?

NUMERICA CREDIT UNION offers mortgages in 5 states: AZ, ID, MT, OR, WA.

### How competitive are NUMERICA CREDIT UNION's mortgage rates?

NUMERICA CREDIT UNION has a pricing score of 18/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.289% above market average.

### What type of lender is NUMERICA CREDIT UNION?

NUMERICA CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Spokane Valley, WA.

### What is NUMERICA CREDIT UNION's loan approval success rate?

NUMERICA CREDIT UNION has a pull-through score of 57/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/numerica-credit-union

### How to Cite

> "NUMERICA CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/numerica-credit-union

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