1. Cliff Barnes - Canopy Mortgage

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Spokane, WA

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Cliff Barnes - Canopy Mortgage

5.0 (1 review)
Closed • 8:00 am - 2:00 pm

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Numerica Credit Union - Sullivan Branch

Numerica Credit Union - Sullivan Branch

(42 reviews)

They have free accounts and super easy auto loan policies which is nice…read more On auto loans, if you need to skip a month, you can pay a tiny fee that allegedly goes to charity to skip the month with no fines or hits to your credit. That is pretty nice. If that is all you want from them, they are 5 stars. They have terrible rates on savings accounts and things like money market accounts. Go online and get "high yield" savings or money market accounts. They pay at least two orders of magnitude more. If you want a mortgage, run away screaming. "The home of the no-frills home loan". Some time ago, I got a mortgage here. It was relatively pain-free and quick which is good. The bad parts? It was a VA loan and didn't participate in any state programs for first-time buyers which would have been so helpful to me. The VA even allows a small bit extra for energy upgrades. Nope, Numerica doesn't do that. If you are a first-time buyer and want to take advantage of state programs, look elsewhere. The worst parts? I forget the loan officer's name but she was rude and very condescending. She even mocked me during close when I was very nervous and asking questions. The escrow company made a mistake in the paperwork they sent over to Numerica, which blindly forwarded it to me. It stated I would get a lot more money back, then I put in escrow. I crunched the numbers and found the error. The escrow company self-corrected and Numerica sent the correct version to me. No problem? Wrong. Since Numerica sent the email, I responded to my loan officer and said the numbers were wrong. She replied that they were correct and when she sent the updated documents I asked her what went wrong and she pretended that nothing wrong happened. She is a complete, unprofessional clown. The absolute worse thing, which is unforgivable is that Numerica prattles on about how they are a small credit union and not an evil large bank. So what did they do with my loan? Sold it to one of the most incompetent and evil banks in existence: BB&T. After they told me they were selling it to a local broker. Now, you may not know BB&T. They are a large southern bank, as evil as Bank of America and twice as incompetent. They keep screwing up my escrow account, making me pay hundreds more every month than I need to cover P&I, insurance, and property taxes. On the order of $2000 a year more. Every single year, they screw it up and the last screwup took over a year to fix, and the "fix" is a smaller over-payment but an over-payment nonetheless. I think next year, they will refund about $700 for the year if I stay with them. So they are slowly getting better, I guess. Of course, that is money that sits there, with no interest. I need to get rid of my escrow account, it is a scam. Being a bank from the southeastern US, there are no branches and no offices anywhere near Spokane and of course, they are difficult to get a hold of. Happily, I am going through refinancing with a competent and ethical local credit union and so will be ditching Numerica and BB&T forever.

I have had more debts cards remade than I would care to say out loud. My card is constantly getting…read morehacked! I can't leave Numerica because my car loan is thru them! This is literally the worse bank ever!!! Maybe it's time to look into better security Numerica!!

Catlin Capital

Catlin Capital

(19 reviews)

Looking to refinance from an adjustable to a fix rate I used the web to make the banks compete for…read moremy business. Just minutes after having filled out the online form the calls started coming in. What a mess. Mostly the first contact caller was what seems in inexperienced front office person collecting additional information. Next step was a pass over to "the banker" who without interviewing me for my specific needs made it very clear that his institution was the best and I better stop looking. What a nice change when Catlin called. From the partner/owner Jason to front and back office staff I have had only the most pleasant and most important, helpful conversations. On his first call Jason merely asked about specific about my current mortgage situation and what I was trying to accomplish. He shared information about the current market volatility and I asked to be contacted should there be a temporary "dip" in the market. I ended up closing with the help of Catlin Capital. Not only was their offer the lowest cost to me (I estimate I saved about $ 4,000 when compared to the next best offer), but I was also very impressed by the online document submission process. But most of all I like to stress how easy it was to reach Jason or a member or members of his team. Calls got return within a few minutes and email communication was no different. I give this company a 5 star rating for competency and for service. Thank you

This process could not have been easier. From start to finish we refinanced our home in less than…read morefour weeks. We were able to drop our interest rate quite a bit, and our monthly mortgage payment has dropped by more than $300.

Cliff Barnes - Canopy Mortgage - mortgagebrokers - Updated October 2026

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