Notre Dame Federal Credit Union Corporation Mortgage Rates, Fees & Info
Notre Dame, INLEI: 254900DNPJINSUKFZ002
Tax ID: 35-0868189
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Notre Dame Federal Credit Union Corporation is a smaller credit union specializing in 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, Niles, and Phoenix among others. We have data for 107 markets. (Some data included below & more in-depth data is available with an active subscription.)Notre Dame Federal Credit Union Corporation has an 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% | 6/26/24 |
| 30 Year Conventional Purchase | 6.96% | 6/26/24 |
| 30 Year Conventional Refi | 6.74% | 6/26/24 |
| 30 Year Cash-out Refi | 6.82% | 6/26/24 |
| 30 Year FHA Purchase | 7.50% | 6/26/24 |
| 30 Year FHA Refi | 6.27% | 6/26/24 |
| 30 Year VA Purchase | 6.72% | 6/26/24 |
| 15 Year Conventional Purchase | 6.46% | 6/26/24 |
| 15 Year Conventional Refi | 6.06% | 6/26/24 |
| 15 Year Cash-out Refi | 6.06% | 6/26/24 |
| 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
1,784Origination Dollar Volume (All Markets)
$293,060,000Awards
Notre Dame Federal Credit Union Corporation - 2022
Notre Dame Federal Credit Union Corporation is a 2022 , due to their low .
For 2022, 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) | 1,112 | $157,870,000 | $141,969 | $3,235 | 3.09% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 174 | $26,050,000 | $149,713 | $3,929 | 3.71% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 93 | $16,485,000 | $177,258 | $4,734 | 2.95% |
| NILES, MI (FHA|USDA|VA) | 74 | $13,610,000 | $183,919 | $3,885 | 3.73% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 45 | $11,785,000 | $261,889 | $5,604 | 2.54% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 28 | $5,800,000 | $207,143 | $3,289 | 3.28% |
| Outside of Metro Areas | 18 | $4,970,000 | $276,111 | $5,054 | 3.69% |
| FORT WAYNE, IN (FHA|USDA|VA) | 18 | $4,600,000 | $255,556 | $3,855 | 4.74% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $2,775,000 | $925,000 | $4,627 | 3.33% |
| TUCSON, AZ (FHA|USDA|VA) | 20 | $2,670,000 | $133,500 | $3,487 | 2.62% |
| Plymouth, IN (FHA|USDA|VA) | 17 | $2,615,000 | $153,824 | $4,554 | 3.44% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $2,005,000 | $401,000 | $6,168 | 3.30% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 6 | $1,730,000 | $288,333 | $7,158 | 3.23% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $1,685,000 | $561,667 | $0 | 1.00% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 17 | $1,495,000 | $87,941 | $3,484 | 2.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,495,000 | $498,333 | $2,384 | 4.08% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 6 | $1,460,000 | $243,333 | $5,293 | 3.08% |
| Warsaw, IN (FHA|USDA|VA) | 8 | $1,460,000 | $182,500 | $3,885 | 4.31% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $7,070 | 5.16% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $5,393 | 4.34% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $5,878 | 3.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $8,516 | 3.42% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $7,901 | 4.58% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $1,065,000 | $355,000 | $8,574 | 4.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $8,058 | 5.13% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $5,606 | 3.97% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $3,687 | 3.75% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,510 | 2.63% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $6,232 | 5.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $4,963 | 1.66% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $7,141 | 5.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $3,893 | 5.33% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,310 | 3.06% |
| TULSA, OK (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $6,490 | 3.00% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $4,618 | 5.50% |
| Edwards, CO (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $5,986 | 4.38% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $0 | 5.25% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $6,975 | 2.44% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $3,198 | 2.25% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $6,014 | 5.38% |
| KOKOMO, IN (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,064 | 3.44% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $6,859 | 1.97% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $9,771 | 3.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,326 | 2.94% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,741 | 4.06% |
| Othello, WA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,574 | 2.06% |
| Seneca, SC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 4.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,418 | 5.25% |
| MERCED, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,521 | 3.00% |
| Torrington, CT (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $10,426 | 2.75% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,068 | 4.63% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $0 | 2.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 1.00% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,284 | 3.25% |
| ERIE, PA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,878 | 6.25% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 6.00% |
| Waycross, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,975 | 3.13% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 1.00% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,876 | 2.50% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,620 | 3.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $275,000 | $91,667 | $0 | 3.00% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,303 | 4.88% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,296 | 2.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,061 | 5.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,702 | 4.13% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,184 | 4.38% |
| Sturgis, MI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,671 | 6.06% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 4.00% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,621 | 3.50% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,468 | 4.38% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,126 | 6.00% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,678 | 3.50% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,620 | 3.63% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.00% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,481 | 2.75% |
| Malone, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,270 | 6.88% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,276 | 3.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,559 | 3.50% |
| Jasper, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,151 | 6.88% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 1.00% |
| Holland, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,967 | 3.13% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.50% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,076 | 7.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,187 | 3.13% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,761 | 4.50% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 1.00% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,704 | 2.13% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,184 | 2.75% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,440 | 4.25% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.50% |
| Durango, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.00% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 1.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.00% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 1.00% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 1.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 1.00% |
| Jesup, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 3.13% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,243 | 5.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 1.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.88% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.00% |
| Crossville, TN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 1.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 1.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 1.00% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 1.00% |
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Product Mix
For 2022, Notre Dame Federal Credit Union Corporation's most frequently originated type of loan was HELOC, with 886 originations. Their 2nd most popular type was Conventional, with 846 originations.
Loan Reason
For 2022, Notre Dame Federal Credit Union Corporation's most frequently cited loan purpose was Home Purchase, with 598 originations. The 2nd most popular reason was Cash Out Refi, with 395 originations.
Loan Duration/Length
For 2022, Notre Dame Federal Credit Union Corporation's most frequently cited loan duration was 30 Year, with 1,506 originations. The 2nd most popular length was 15 Year, with 152 originations.
Origination Fees/Closing Costs
Notre Dame Federal Credit Union Corporation's average total fees were $4,154, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 286 originations.
Interest Rates
During 2022, Notre Dame Federal Credit Union Corporation's average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was <2.5%, with 734 originations.
Loan Sizing
2022 saw Notre Dame Federal Credit Union Corporation place emphasis on $100,000 or less loans with 802 originations, totaling $44,760,000 in origination value.
Applicant Income
Notre Dame Federal Credit Union Corporation lent most frequently to those with incomes in the $50k or less range, with 804 originations. The second most popular income band? $50k-75k, with 269 originations.
Applicant Debt to Income Ratio
Notre Dame Federal Credit Union Corporation lent most frequently to those with DTI ratios of <20%, with 566 originations. The next most common DTI ratio? 20-30%, with 345 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.22%
Notre Dame Federal Credit Union Corporation has an average approval rate.
Pick Rate
Approvals leading to origination86.66%
Notre Dame Federal Credit Union Corporation has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,784 | $293,060,000 | $164,271 |