Numerica Credit Union mortgage approval rate & lending review
Numerica Credit Union decided 3,827 mortgage applications and funded 2,401 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Numerica Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Numerica Credit Union at a glance
Approval is 5.2 points below the 68.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 76% | 438 / 578 | 100% | $305K | 437 |
| Home improvement loans | 62% | 1,251 / 2,007 | 99% | $75K | 1,242 |
| Cash-out refinance | 59% | 599 / 1,012 | 100% | $115K | 596 |
| Refinance | 44% | 12 / 27 | 100% | $345K | 12 |
| Investment property purchase | 72% | 43 / 60 | 98% | $555K | 42 |
| Investment cash-out refinance | 62% | 26 / 42 | 100% | $315K | 26 |
| Investment home improvement | 37% | 32 / 87 | 100% | $105K | 32 |
Numerica Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Washington | 63% | $75K | 3,190 | 1,994 |
| Idaho | 64% | $105K | 617 | 395 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Numerica Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Spokane County, WA | Home improvement loans | 64% | 1,155 | 738 |
| Spokane County, WA | Cash-out refinance | 62% | 584 | 362 |
| Spokane County, WA | Mortgage lenders | 81% | 393 | 319 |
| Benton County, WA | Home improvement loans | 62% | 413 | 253 |
| Kootenai County, ID | Home improvement loans | 62% | 333 | 207 |
| Benton County, WA | Cash-out refinance | 51% | 205 | 104 |
| Kootenai County, ID | Cash-out refinance | 60% | 165 | 99 |
| Kootenai County, ID | Mortgage lenders | 75% | 76 | 57 |
| Benton County, WA | Mortgage lenders | 50% | 68 | 33 |
| Grant County, WA | Home improvement loans | 45% | 49 | 22 |
| Spokane County, WA | Investment cash-out refinance | 71% | 24 | 17 |
| Grant County, WA | Cash-out refinance | 56% | 27 | 15 |
The county markets where Numerica Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Numerica Credit Union
What is Numerica Credit Union's mortgage approval rate?
Numerica Credit Union approved 63.1% of the 3,827 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.2 points below the 68.3% national rate for the same mix of loan types.
How often do borrowers take the loan Numerica Credit Union offers?
Borrowers accepted 99% of the loans Numerica Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Numerica Credit Union make?
The typical home improvement loan loan Numerica Credit Union made was $75K; across all loan types its typical loan ran from $75K to $555K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Numerica Credit Union lend?
Numerica Credit Union decided applications in 9 of the states Fat Boy Data covers, most of them in Washington, Idaho and Arizona.
Can I apply to Numerica Credit Union directly?
Yes. Numerica Credit Union is a bank or credit union with 25 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Numerica Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Numerica Credit Union treats applications, then get a rate quote from the lender.