Notre Dame Federal Credit Union Corporation Mortgage Rates, Fees & Info
Notre Dame, INLEI: 254900DNPJINSUKFZ002
Tax ID: 35-0868189
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Mortgage Data
Review & Overview
Notre Dame Federal Credit Union Corporation is a smaller credit union specializing in Refi and Home Purchase loans. Notre Dame Federal Credit Union Corporation has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: South Bend, Elkhart, Chicago, Indianapolis, and Niles among others. We have data for 89 markets. (Some data included below & more in-depth data is available with an active subscription.)Notre Dame Federal Credit Union Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Notre Dame Federal Credit Union Corporation is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 3.20% | 11/21/24 |
| 30 Year Conventional Purchase | 6.96% | 11/21/24 |
| 30 Year Conventional Refi | 6.74% | 11/21/24 |
| 30 Year Cash-out Refi | 6.82% | 11/21/24 |
| 30 Year FHA Purchase | 7.50% | 11/21/24 |
| 30 Year FHA Refi | 6.27% | 11/21/24 |
| 30 Year VA Purchase | 6.72% | 11/21/24 |
| 15 Year Conventional Purchase | 6.46% | 11/21/24 |
| 15 Year Conventional Refi | 6.06% | 11/21/24 |
| 15 Year Cash-out Refi | 6.06% | 11/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Notre Dame Federal Credit Union Corporation Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,711Origination Dollar Volume (All Markets)
$326,675,000Awards
Notre Dame Federal Credit Union Corporation - 2020
Notre Dame Federal Credit Union Corporation is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1,219 | $206,405,000 | $169,323 | $2,827 | 3.00% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 147 | $27,225,000 | $185,204 | $3,071 | 3.16% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 36 | $10,450,000 | $290,278 | $3,915 | 2.99% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 37 | $9,655,000 | $260,946 | $2,963 | 2.96% |
| NILES, MI (FHA|USDA|VA) | 51 | $8,195,000 | $160,686 | $3,072 | 3.03% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 17 | $6,895,000 | $405,588 | $4,285 | 2.68% |
| Heber, UT (FHA|USDA|VA) | 3 | $4,035,000 | $1,345,000 | $4,361 | 2.83% |
| Plymouth, IN (FHA|USDA|VA) | 22 | $4,010,000 | $182,273 | $3,408 | 3.16% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $3,930,000 | $982,500 | $8,501 | 2.75% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 17 | $2,795,000 | $164,412 | $2,973 | 3.10% |
| Outside of Metro Areas | 15 | $2,735,000 | $182,333 | $2,952 | 3.13% |
| Warsaw, IN (FHA|USDA|VA) | 15 | $2,725,000 | $181,667 | $2,756 | 2.87% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $2,135,000 | $711,667 | $12,156 | 2.75% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $2,020,000 | $505,000 | $6,143 | 2.63% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $1,940,000 | $485,000 | $6,449 | 2.91% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $5,446 | 2.83% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,605,000 | $535,000 | $6,734 | 3.42% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $1,405,000 | $468,333 | $3,512 | 2.58% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $1,330,000 | $665,000 | $7,033 | 3.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $3,398 | 2.58% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $5,966 | 3.13% |
| FORT WAYNE, IN (FHA|USDA|VA) | 7 | $1,025,000 | $146,429 | $3,108 | 2.93% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $23,231 | 2.13% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $3,698 | 2.94% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $4,611 | 2.94% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $5,326 | 3.04% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $725,000 | $145,000 | $2,868 | 2.90% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,616 | 3.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $5,554 | 2.38% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $2,291 | 2.81% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,214 | 3.08% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,463 | 3.00% |
| Sturgis, MI (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $6,821 | 3.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,816 | 2.25% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $3,781 | 3.13% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,221 | 2.88% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,570 | 3.06% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,789 | 2.81% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,513 | 2.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,614 | 2.94% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,716 | 3.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,182 | 2.44% |
| Key West, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,730 | 3.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,023 | 3.25% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,363 | 3.63% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,517 | 2.81% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,497 | 2.63% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,432 | 2.63% |
| Holland, MI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,060 | 3.13% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,796 | 3.00% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,320 | 2.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,749 | 3.38% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,993 | 3.00% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,101 | 3.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,428 | 2.88% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,953 | 2.88% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,487 | 3.25% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,952 | 3.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,218 | 3.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,024 | 3.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,221 | 3.13% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,618 | 3.25% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,910 | 3.13% |
| Payson, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,331 | 2.25% |
| Angola, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,181 | 3.13% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,631 | 2.88% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,088 | 2.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,387 | 3.88% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,246 | 3.25% |
| Helena, MT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,102 | 2.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,124 | 2.88% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $890 | 2.88% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,791 | 3.25% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,981 | 1.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,492 | 2.38% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,724 | 2.88% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,048 | 3.25% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,607 | 2.88% |
| Jasper, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,362 | 3.13% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $2,379 | 3.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,056 | 2.75% |
| Decatur, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,015 | 2.88% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,477 | 2.75% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,347 | 3.63% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,939 | 2.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,682 | 2.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,891 | 2.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,459 | 3.25% |
| Auburn, IN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $1,438 | 2.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Notre Dame Federal Credit Union Corporation based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,686 | $323,410,000 | $191,821 | $3,015 | 3.00% |
| FHA | 25 | $3,265,000 | $130,600 | $4,249 | 3.88% |
For 2020, Notre Dame Federal Credit Union Corporation's most frequently originated type of loan was Conventional, with 1,686 originations. Their 2nd most popular type was FHA, with 25 originations.
Loan Reason
For 2020, Notre Dame Federal Credit Union Corporation's most frequently cited loan purpose was Refi, with 805 originations. The 2nd most popular reason was Home Purchase, with 498 originations.
Loan Duration/Length
For 2020, Notre Dame Federal Credit Union Corporation's most frequently cited loan duration was 30 Year, with 974 originations. The 2nd most popular length was 15 Year, with 427 originations.
Origination Fees/Closing Costs
Notre Dame Federal Credit Union Corporation's average total fees were $3,379, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 743 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 734 | $145,560,000 | $198,311 |
| 2.5-3% | 724 | $132,460,000 | $182,956 |
| <2.5% | 231 | $45,965,000 | $198,983 |
| 4-5% | 21 | $2,665,000 | $126,905 |
| 6-7% | 1 | $25,000 | $25,000 |
During 2020, Notre Dame Federal Credit Union Corporation's average interest rate for loans was 3.14%, while their most frequently originated rate bucket for loans was 3-4%, with 734 originations.
Loan Sizing
2020 saw Notre Dame Federal Credit Union Corporation place emphasis on $100k-200k loans with 794 originations, totaling $115,870,000 in origination value.
Applicant Income
Notre Dame Federal Credit Union Corporation lent most frequently to those with incomes in the $50k-75k range, with 424 originations. The second most popular income band? $50k or less, with 348 originations.
Applicant Debt to Income Ratio
Notre Dame Federal Credit Union Corporation lent most frequently to those with DTI ratios of 20-30%, with 520 originations. The next most common DTI ratio? 30-36%, with 378 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.46%
Notre Dame Federal Credit Union Corporation has an average approval rate.
Pick Rate
Approvals leading to origination85.39%
Notre Dame Federal Credit Union Corporation has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,711 | $326,675,000 | $190,926 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 12 | $1,340,000 | $111,667 |
| Single Family (1-4 Units):Site-Built | 1,699 | $325,335,000 | $191,486 |