Noblebank & Trust Mortgage Rates, Fees & Info

Anniston, AL

LEI: 549300CNDBHD7VKHK806

Tax ID: 20-3340543

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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)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Noblebank & Trust is a smaller bank specializing in Home Purchase loans. Noblebank & Trust has a high proportion of conventional loans. Their top markets by origination volume include: Anniston, Birmingham, Talladega, Auburn, and Nashville among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Noblebank & Trust has an above average approval rate when compared to the average across all lenders. They have an above 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.

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    Originations

    119

    Origination Dollar Volume (All Markets)

    $18,525,000

    Employee count

    62

    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) 66 $6,380,000 $96,667 $0 0.00%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 28 $5,010,000 $178,929 $0 0.00%
    Outside of Metro Areas 11 $3,135,000 $285,000 $0 0.00%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 3 $1,075,000 $358,333 $0 0.00%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 4 $1,050,000 $262,500 $0 0.00%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $1,025,000 $1,025,000 $0 0.00%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $360,000 $180,000 $0 0.00%
    GADSDEN, AL (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 0.00%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $45,000 $45,000 $0 0.00%
    Noblebank & Trust's top markets include Anniston, Birmingham, Talladega, Auburn, and Nashville among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 119 $18,525,000 $155,672 $0 0.00%

    For 2021, Noblebank & Trust's most frequently originated type of loan was Conventional, with 119 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 89 $13,555,000 $152,303 $0 0.00%
    Refi 16 $2,970,000 $185,625 $0 0.00%
    Home Improvement 7 $385,000 $55,000 $0 0.00%
    Cash Out Refi 5 $1,575,000 $315,000 $0 0.00%
    Other 2 $40,000 $20,000 $0 0.00%

    For 2021, Noblebank & Trust's most frequently cited loan purpose was Home Purchase, with 89 originations. The 2nd most popular reason was Refi, with 16 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 119 $18,525,000 $155,672 $0 0.00%

    For 2021, Noblebank & Trust's most frequently cited loan duration was Other, with 119 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 67 $3,635,000 $54,254 $0 0.00%
    $100k-200k 27 $3,865,000 $143,148 $0 0.00%
    $200k-400k 17 $3,995,000 $235,000 $0 0.00%
    $400k-600k 4 $1,790,000 $447,500 $0 0.00%
    $1MM+ 3 $4,455,000 $1,485,000 $0 0.00%
    $600k-1MM 1 $785,000 $785,000 $0 0.00%

    2021 saw Noblebank & Trust place emphasis on $100,000 or less loans with 67 originations, totaling $3,635,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 16 $610,000 $38,125 $0 0.00%
    $100k-150k 8 $900,000 $112,500 $0 0.00%
    $50k-75k 8 $750,000 $93,750 $0 0.00%
    $150k-250k 7 $1,045,000 $149,286 $0 0.00%
    $250k+ 7 $4,325,000 $617,857 $0 0.00%
    $75k-100k 4 $450,000 $112,500 $0 0.00%

    Noblebank & Trust lent most frequently to those with incomes in the $50k or less range, with 16 originations. The second most popular income band? $100k-150k, with 8 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 119 $18,525,000 $155,672 $0 0.00%

    Noblebank & Trust lent most frequently to those with DTI ratios of Exempt%, with 119 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 69 $10,445,000 $151,377 $0 0.00%
    White 44 $7,430,000 $168,864 $0 0.00%
    Not provided 4 $470,000 $117,500 $0 0.00%
    Asian 1 $145,000 $145,000 $0 0.00%
    Black 1 $35,000 $35,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    97.60%

    Noblebank & Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    97.48%

    Noblebank & Trust has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 119 $18,525,000 $155,672

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    119 $18,525,000 $155,672

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Noblebank & Trust 1509 Quintard Avenue Anniston, AL 36201 Full Service B&M $120,763
    Noblebank & Trust 1836 Highway 78 Oxford, AL 36203 Full Service B&M $87,855
    Noblebank & Trust 201 N Main Street Piedmont, AL 36272 Full Service B&M $36,674
    Noblebank & Trust 361 Summit Blvd Birmingham, AL 35243 Full Service B&M $24,274
    Noblebank & Trust 646 Valley Cub Dr. Alexandria, AL 36250 Full Service B&M $53,734
    Noblebank & Trust 70 Giles St Heflin, AL 36264 Full Service B&M $12,993

    For 2021, Noblebank & Trust had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $13,495
    Net interest income $12,346
    Total noninterest income $3,061
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,024
    Trading account gains and fees $0
    Additional Noninterest Income $2,037
    Pre-tax net operating income $5,274
    Securities gains (or losses, -) $104
    Income before extraordinary items $4,342
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $4,342
    Minority interest net income $0
    Net income $4,342
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $4,257

    Noblebank & Trust's gross interest income from loans was $13,495,000.
    Noblebank & Trust's net interest income from loans was $12,346,000.
    Noblebank & Trust's fee based income from loans was $1,024,000.
    Noblebank & Trust's net income from loans was $4,342,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,149
    Provision for credit losses $103
    Total noninterest expense $10,030
    Salaries and employee benefits $5,848
    Premises and equipment expense $1,075
    Additional noninterest expense $3,107
    Applicable income taxes $1,036
    Net charge-offs $108
    Cash dividends $1,713

    Noblebank & Trust's interest expense for loans was $1,149,000.
    Noblebank & Trust's payroll and benefits expense were $5,848,000.
    Noblebank & Trust's property, plant and equipment expenses $1,075,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $345,279
    Deposits held in domestic offices $345,279
    Deposits by Individuals, partnerships, and corporations $334,766
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $10,513
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $190,522
    Demand deposits $85,850
    Nontransaction accounts $154,757
    Money market deposit accounts (MMDAs) $71,345
    Other savings deposits (excluding MMDAs) $35,425
    Total time deposits $47,988
    Total time and savings deposits $259,429
    Noninterest-bearing deposits $85,850
    Interest-bearing deposits $259,429
    Retail deposits $328,420
    IRAs and Keogh plan accounts $8,534
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $381,098
    Cash & Balances due from depository institutions $31,778
    Interest-bearing balances $28,043
    Total securities $104,747
    Federal funds sold & reverse repurchase $4,900
    Net loans and leases $219,510
    Loan and leases loss allowance $3,163
    Trading account assets $0
    Bank premises and fixed assets $6,901
    Other real estate owned $88
    Goodwill and other intangibles $0
    All other assets $13,174

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $381,098
    Total Liabilities $346,969
    Total deposits $345,279
    Interest-bearing deposits $259,429
    Deposits held in domestic offices $345,279
    % insured (estimated) $75
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $1,690

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $219,510
    Loan and leases loss allowance $3,163
    Total loans and leases (domestic) $222,673
    All real estate loans $164,390
    Real estate loans in domestic offices $164,390
    Construction and development loans $20,664
    Residential 1-4 family construction $12,676
    Other construction, all land development and other land $7,988
    Loans secured by nonfarm nonresidential properties $90,570
    Nonfarm nonresidential secured by owner-occupied properties $48,887
    Commercial real estate & other non-farm, non-residential $41,683
    Multifamily residential real estate $4,614
    1-4 family residential loans $47,715
    Farmland loans $827
    Loans held in foreign offices $0
    Farm loans $19
    Commercial and industrial loans $48,265
    To non-U.S. addressees $0
    Loans to individuals $5,831
    Credit card loans $359
    Related Plans $88
    Consumer Auto Loans $3,335
    Other loans to individuals $2,049
    All other loans & leases $4,661
    Loans to foreign governments and official institutions $0
    Other loans $232
    Loans to depository institutions and acceptances of other banks $1,750
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $504
    Non 1-4 family restructured loans & leases $332
    Total loans and leases (foreign) $0

    NobleBank & Trust had $219,510,000 of loans outstanding in 2021. $164,390,000 of loans were in real estate loans. $20,664,000 of loans were in development loans. $4,614,000 of loans were in multifamily mortgage loans. $47,715,000 of loans were in 1-4 family mortgage loans. $19,000 of loans were in farm loans. $359,000 of loans were in credit card loans. $3,335,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 138 $37,385 $270,906
    Nonfarm, nonresidential loans - <$100k 33 $1,575 $47,727
    Nonfarm, nonresidential loans - $100-250k 39 $4,751 $121,821
    Nonfarm, nonresidential loans - $250k-1MM 66 $31,059 $470,591
    Commercial & Industrial, US addressed loans - <$1MM 540 $36,111 $66,872
    Commercial & Industrial, US addressed loans - <$100k 409 $10,336 $25,271
    Commercial & Industrial, US addressed loans - $100-250k 91 $12,291 $135,066
    Commercial & Industrial, US addressed loans - $250k-1MM 40 $13,484 $337,100
    Farmland loans - <$1MM 10 $826 $82,600
    Farmland loans - <$100k 6 $195 $32,500
    Farmland loans - $100-250k 4 $631 $157,750
    Agriculture operations loans - <$1MM 3 $19 $6,333
    Agriculture operations loans - <$100k 3 $19 $6,333