Numerica Credit Union in Idaho vs the state
31.9%Denial rate+17.49 pts vs state
35.6%Decision denial rate+18.10 pts vs state
57.7%Origination rate-5.28 pts vs state
7.75%Median rate+1.13 pts vs state
0.55Rate spread (pts)+0.40 pts vs state
$120kMedian applicant income
235Loans originated
130Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 346 | 219 | 30.6% | 8.50% | #52 |
| 2024 | 284 | 151 | 37.7% | 8.75% | #66 |
| 2025 | 407 | 235 | 31.9% | 7.75% | #55 |
What Numerica Credit Union lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Numerica Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kootenai County | 334 | 192 | 107 | 32.0% |
| Bonner County | 39 | 26 | 10 | 25.6% |
| Shoshone County | 13 | 4 | 8 | 61.5% |
| Benewah County | 7 | 4 | 1 | 14.3% |
| Latah County | 4 | 3 | 1 | 25.0% |
| Boundary County | 4 | 3 | 0 | 0.0% |
| Bonneville County | 1 | 1 | 0 | 0.0% |
| Clearwater County | 1 | 0 | 1 | 100.0% |
| Caribou County | 1 | 0 | 1 | 100.0% |
| Gem County | 1 | 0 | 1 | 100.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 407 applications in 2025, of which 235 were originated and 130 denied.
31.9% of all applications, or 35.6% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Numerica Credit Union originated in Idaho in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Numerica Credit Union's own HMDA filing for properties located in Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology