Nuvision Federal Credit Union Mortgage Rates, Fees & Info
Huntington Beach, CALEI: 549300F6NSBOJBM9ED39
Tax ID: 95-1644517
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Mortgage Data
Review & Overview
Nuvision Federal Credit Union is a smaller credit union specializing in Refi and Home Purchase loans. Nuvision Federal Credit Union 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Anchorage, Riverside, Phoenix, and Seattle among others. We have data for 43 markets. (Some data included below & more in-depth data is available with an active subscription.)Nuvision Federal Credit Union 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. Nuvision Federal Credit Union 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) | 6.27% | 12/16/24 |
| 30 Year Conventional Purchase | 6.22% | 12/16/24 |
| 30 Year Conventional Refi | 6.37% | 12/16/24 |
| 30 Year Cash-out Refi | 6.54% | 12/16/24 |
| 30 Year FHA Purchase | 6.88% | 12/16/24 |
| 30 Year FHA Refi | 6.58% | 12/16/24 |
| 30 Year VA Purchase | 6.17% | 12/16/24 |
| 30 Year VA Refi | 5.95% | 12/16/24 |
| 30 Year USDA Purchase | 6.46% | 12/16/24 |
| 15 Year Conventional Purchase | 6.71% | 12/16/24 |
| 15 Year Conventional Refi | 6.04% | 12/16/24 |
| 15 Year Cash-out Refi | 6.04% | 12/16/24 |
| 15 Year FHA Purchase | 5.68% | 12/16/24 |
| 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. | ||
Nuvision Federal Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,373Origination Dollar Volume (All Markets)
$487,015,000Awards
NuVision Federal Credit Union - 2020
NuVision Federal Credit Union 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 689 | $279,915,000 | $406,263 | $3,846 | 3.40% |
| ANCHORAGE, AK (FHA|USDA|VA) | 236 | $65,170,000 | $276,144 | $5,938 | 3.07% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 149 | $44,225,000 | $296,812 | $3,648 | 3.35% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 90 | $24,290,000 | $269,889 | $3,294 | 3.25% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 15 | $8,745,000 | $583,000 | $5,153 | 3.49% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 13 | $8,375,000 | $644,231 | $3,492 | 3.38% |
| Outside of Metro Areas | 33 | $7,325,000 | $221,970 | $5,422 | 3.50% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 16 | $6,400,000 | $400,000 | $3,668 | 3.16% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 14 | $5,610,000 | $400,714 | $5,075 | 3.11% |
| CHEYENNE, WY (FHA|USDA|VA) | 21 | $4,715,000 | $224,524 | $3,159 | 3.17% |
| RENO, NV (FHA|USDA|VA) | 2 | $3,870,000 | $1,935,000 | $0 | 4.19% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 9 | $3,785,000 | $420,556 | $4,101 | 3.13% |
| FAIRBANKS, AK (FHA|USDA|VA) | 13 | $2,905,000 | $223,462 | $5,384 | 3.03% |
| Juneau, AK (FHA|USDA|VA) | 8 | $1,790,000 | $223,750 | $5,916 | 3.20% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 4 | $1,630,000 | $407,500 | $2,612 | 3.28% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $1,545,000 | $515,000 | $5,465 | 4.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $4,296 | 3.34% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 6 | $1,420,000 | $236,667 | $3,382 | 3.04% |
| FRESNO, CA (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $2,410 | 3.81% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $4,005 | 3.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,085,000 | $361,667 | $2,838 | 3.38% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $4,170 | 2.16% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $3,243 | 3.38% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $3,389 | 3.08% |
| BEND, OR (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $6,863 | 3.25% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $6,170 | 3.88% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,440 | 3.38% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,758 | 3.63% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,834 | 3.00% |
| Shelton, WA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $5,474 | 3.19% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,798 | 3.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,795 | 3.63% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $3,263 | 3.38% |
| Payson, AZ (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $2,734 | 3.19% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,099 | 3.88% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,114 | 4.00% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,680 | 4.25% |
| Centralia, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $13,931 | 2.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,729 | 3.38% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,038 | 4.13% |
| MERCED, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,175 | 3.13% |
| Newport, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,455 | 3.00% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,830 | 2.63% |
Similar Lenders
We use machine learning to identify the top lenders compared against NuVision Federal Credit Union 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
For 2020, Nuvision Federal Credit Union's most frequently originated type of loan was Conventional, with 1,291 originations. Their 2nd most popular type was FHA, with 41 originations.
Loan Reason
For 2020, Nuvision Federal Credit Union's most frequently cited loan purpose was Refi, with 1,018 originations. The 2nd most popular reason was Home Purchase, with 318 originations.
Loan Duration/Length
For 2020, Nuvision Federal Credit Union's most frequently cited loan duration was 30 Year, with 1,031 originations. The 2nd most popular length was 15 Year, with 252 originations.
Origination Fees/Closing Costs
Nuvision Federal Credit Union's average total fees were $4,339, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 596 originations.
Interest Rates
During 2020, Nuvision Federal Credit Union's average interest rate for loans was 3.31%, while their most frequently originated rate bucket for loans was 3-4%, with 755 originations.
Loan Sizing
2020 saw Nuvision Federal Credit Union place emphasis on $200k-400k loans with 680 originations, totaling $202,230,000 in origination value.
Applicant Income
Nuvision Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 385 originations. The second most popular income band? $75k-100k, with 280 originations.
Applicant Debt to Income Ratio
Nuvision Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 302 originations. The next most common DTI ratio? 30-36%, with 266 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.17%
Nuvision Federal Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination63.29%
Nuvision Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,373 | $487,015,000 | $354,709 |