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 score and performance metrics.

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 an overall pricing score of 18.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Numerica Credit Union?

Numerica Credit Union is a Credit Union headquartered in Spokane Valley, WA.

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Numerica Credit Union

Credit Union•Spokane Valley, WAHQ•Direct•Reviews near you on Google

Numerica Credit Union has 181 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA · Jumbo

Place

Strong

4/5

Regional · 3 mkts

Summary

Things to Think About

Pricing may be below industry average
Higher than average fees ($4,290)

Explore another lender or local market

Report Card

Numerica Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+28.9 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Sound

Top 60% of lenders

Acceptable

Bottom 40% of lenders

Jumbo

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 4 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Sound	147	81.2%	+0.386%Above	$4,451Fees
FHA Loans	Sound	Sound	—	Sound	12	6.6%	+0.111%Above	$3,944Fees
VA Loans	Acceptable	Acceptable	—	—	10	5.5%	-0.678%Below	$1,374Fees
Jumbo Loans	Sound	Sound	—	—	12	6.6%	-0.101%Below	$5,841Fees

Conventional

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume147

Mix81.2%

Spread

+0.386%Above

Fees

$4,451Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume12

Mix6.6%

Spread

+0.111%Above

Fees

$3,944Fees

VA Loans

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume10

Mix5.5%

Spread

-0.678%Below

Fees

$1,374Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume12

Mix6.6%

Spread

-0.101%Below

Fees

$5,841Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Sound	Acceptable	Sound	153	84.5%	+0.247%Above	$4,291Fees
Refinance	Acceptable	Sound	Mediocre	Sound	28	15.5%	+0.489%Above	$4,287Fees

Purchase

Overall

Acceptable

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume153

Mix84.5%

Spread

+0.247%Above

Fees

$4,291Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Sound

Volume28

Mix15.5%

Spread

+0.489%Above

Fees

$4,287Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

181

Applications

290

Volume

$73 million

Pricing & Closing

Avg Rate Spread

+0.289%

vs. market APOR

Avg Net Fees

$4,290

Origination − Credits

Pullthrough Rate

62.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$404,669

Avg Borrower Income

$214,475

Avg Property Value

$573,122

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

West5

AZIDMTORWA

Top Metro Areas by Place Specialization Score

Spokane, WAMetro

Volume 115Mix 63.54% of portfolio

88/100

Exceptional

Wenatchee, WAMetro

Volume 16Mix 8.84% of portfolio

61/100

Strong

Coeur d'Alene, IDMetro

Volume 14Mix 7.73% of portfolio

52/100

Sound

Top States by Place Specialization Score

WashingtonState

Volume 155Mix 85.64% of portfolio

76/100

Strong

IdahoState

Volume 21Mix 11.60% of portfolio

51/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.