Numark Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
55th23.1% deniedPricingmedian rate spread over APOR, weight 30%
50th0.16 ptsProcesswithdrawn + incomplete share, weight 15%
13th20.9%Closing coststotal loan costs ÷ loan amount, weight 10%
17th4.69% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 274 | 200 | 10.2% | 12.2% | 6.63% | $42M |
| 2024 | 986 | 563 | 25.6% | 30.8% | 8.00% | $86M |
| 2025 | 1,003 | 605 | 18.3% | 23.1% | 7.25% | $100M |
What Numark Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 650 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 38 investment properties.
Why Numark Credit Union denies applications
Primary reason reported for each of the 183 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Numark Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 108 | 36 | 50.0% |
| $50k – $100k | 354 | 223 | 20.2% |
| $100k – $150k | 276 | 179 | 20.4% |
| $150k – $250k | 182 | 115 | 21.1% |
| Over $250k | 57 | 38 | 22.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 25 | 18 | 10.0% |
| 25–34 | 102 | 71 | 15.3% |
| 35–44 | 202 | 118 | 29.8% |
| 45–54 | 278 | 166 | 23.7% |
| 55–64 | 234 | 144 | 24.4% |
| 65–74 | 108 | 59 | 15.5% |
| Over 74 | 46 | 22 | 24.1% |
Where Numark Credit Union lends
18 states and 56 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Numark Credit Union denied 23.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 55th percentile of home-equity (HELOC) lenders.
The most common reason Numark Credit Union gave in 2025 was "debt-to-income ratio", cited on 49.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Numark Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.16 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 26% of its applications were for home purchases, 15% for refinancing (including cash-out), and 59% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.