Noblebank & Trust Mortgage Rates, Fees & Info

Anniston, AL

LEI: 549300CNDBHD7VKHK806

Tax ID: 20-3340543

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Noblebank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Noblebank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Anniston, Birmingham, Alexander City, Daphne, and Tuscaloosa among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Noblebank & Trust 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.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    68

    Origination Dollar Volume (All Markets)

    $12,130,000

    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
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 36 $4,060,000 $112,778 $0 0.00%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 15 $3,445,000 $229,667 $0 0.00%
    Alexander City, AL (FHA|USDA|VA) 1 $1,535,000 $1,535,000 $0 0.00%
    Outside of Metro Areas 9 $1,085,000 $120,556 $0 0.00%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $920,000 $460,000 $0 0.00%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $435,000 $435,000 $0 0.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $250,000 $125,000 $0 0.00%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $145,000 $145,000 $0 0.00%
    Noblebank & Trust's top markets include Anniston, Birmingham, Alexander City, Daphne, and Tuscaloosa among others.

    Their top states include:
  • Alabama (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 68 $12,130,000 $178,382 $0 0.00%

    For 2023, Noblebank & Trust's most frequently originated type of loan was Conventional, with 68 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 44 $7,730,000 $175,682 $0 0.00%
    Other 7 $325,000 $46,429 $0 0.00%
    Refi 7 $3,015,000 $430,714 $0 0.00%
    Home Improvement 6 $690,000 $115,000 $0 0.00%
    Cash Out Refi 4 $370,000 $92,500 $0 0.00%

    For 2023, Noblebank & Trust's most frequently cited loan purpose was Home Purchase, with 44 originations. The 2nd most popular reason was Other, with 7 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 68 $12,130,000 $178,382 $0 0.00%

    For 2023, Noblebank & Trust's most frequently cited loan duration was Other, with 68 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 32 $1,860,000 $58,125 $0 0.00%
    $100k-200k 18 $2,550,000 $141,667 $0 0.00%
    $200k-400k 10 $2,430,000 $243,000 $0 0.00%
    $400k-600k 4 $1,870,000 $467,500 $0 0.00%
    $600k-1MM 3 $1,885,000 $628,333 $0 0.00%
    $1MM+ 1 $1,535,000 $1,535,000 $0 0.00%

    2023 saw Noblebank & Trust place emphasis on $100,000 or less loans with 32 originations, totaling $1,860,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 9 $1,055,000 $117,222 $0 0.00%
    $250k+ 6 $2,870,000 $478,333 $0 0.00%
    $50k-75k 6 $580,000 $96,667 $0 0.00%
    $50k or less 5 $505,000 $101,000 $0 0.00%
    $150k-250k 4 $650,000 $162,500 $0 0.00%
    $75k-100k 2 $160,000 $80,000 $0 0.00%

    Noblebank & Trust lent most frequently to those with incomes in the $100k-150k range, with 9 originations. The second most popular income band? $250k+, with 6 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 68 $12,130,000 $178,382 $0 0.00%

    Noblebank & Trust lent most frequently to those with DTI ratios of Exempt%, with 68 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 35 $6,105,000 $174,429 $0 0.00%
    White 22 $4,280,000 $194,545 $0 0.00%
    Not provided 10 $1,720,000 $172,000 $0 0.00%
    Black 1 $25,000 $25,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    87.36%

    Noblebank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.24%

    Noblebank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 68 $12,130,000 $178,382

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    68 $12,130,000 $178,382