Growth far above peers'
Its 1,559 originations rose 36% from 1,147, while similar lenders (credit unions making between half and twice as many loans) grew 9% and the whole market 10%. They remain about half the 3,041 of 2020.
Applications / Mortgage Analytics / Lenders / Washington / Numerica Credit Union
Numerica Credit Union
Spokane Valley, WA · Credit union · NCUA · $4.2 billion assets · 1,559 loans in 2025
Numerica Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
1,559
loans originated, 2025
2,861
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Numerica Credit Union is a home-improvement lender in Washington and Idaho whose originations rose 36% in 2025, faster than about nine in ten similar lenders, gaining share in each of its main metro markets.
Gaining share across its markets
Its share rose 0.3 points to 3.0% in Spokane-Spokane Valley, where it ranked 7 of 346 lenders, and 1.2 points to 3.8% in Wenatchee-East Wenatchee, where it also ranked 7 of 209. It also gained in Coeur d'Alene, by 0.4 points to 1.9%, and Kennewick-Richland, by 0.5 points to 1.6%.
Mostly home improvement and refinance
Home improvement was 43.0% of its loans and refinances 27.1%; home purchases were 15.0%. Its typical loan was $105,000, against $115,000 at peers, yet jumbo loans (larger than the conforming limit) were 6.0%, against 1.2%. Manufactured homes were 4.2% of its loans, against 0.4%.
Fewer loans to LMI borrowers
LMI (low- and moderate-income) borrowers took 19.4% of its loans, down from 24.5%, against 27.0% at peers, a lower share than at about four in five of them. LMI areas took 15.7%, near the middle. The make-up of the Washington and Idaho markets it mainly serves, and its jumbo lending, are possible reasons.
Questions the data can answer next
- Which lenders lost the share Numerica Credit Union gained in Wenatchee-East Wenatchee and Spokane-Spokane Valley?
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
1,559 loans in 2025, against a peak of 3,293 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Numerica Credit Union took 2,861 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
43.0% of its 2025 loans were home improvement loans; 98.0% were Conventional.
Home improvement 43.0% · Refinance 27.1% · Purchase 15.0% · Other 14.9%
Conventional 98.0% · FHA 1.7% · VA 0.3% · of 1,559 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
5 states, 15 metros, 43 counties
| State | Loans | Share |
|---|---|---|
| Washington | 1,312 | 84.2% |
| Idaho | 235 | 15.1% |
| Arizona | 5 | 0.3% |
| Oregon | 5 | 0.3% |
| Montana | 2 | 0.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Spokane-Spokane Valley | 711 |
| Kennewick-Richland | 267 |
| Wenatchee-East Wenatchee | 237 |
| Coeur d'Alene | 192 |
| Yakima | 12 |
| Seattle-Bellevue-Kent | 8 |
| Phoenix-Mesa-Chandler | 4 |
| Walla Walla | 4 |
| Portland-Vancouver-Hillsboro | 3 |
| Tacoma-Lakewood | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N52O6FKUCU5G62 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 681191 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566841 | 1992–2017 |
Established 1 January 1937. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Numerica Credit Union's data.
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