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 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, Fairbanks, and Phoenix among others. We have data for 50 markets. (Some data included below & more in-depth data is available with an active subscription.)Nuvision Federal Credit Union 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. Nuvision Federal Credit Union is typically an average 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% | 6/16/24 |
| 30 Year Conventional Purchase | 6.22% | 6/16/24 |
| 30 Year Conventional Refi | 6.37% | 6/16/24 |
| 30 Year Cash-out Refi | 6.54% | 6/16/24 |
| 30 Year FHA Purchase | 6.88% | 6/16/24 |
| 30 Year FHA Refi | 6.58% | 6/16/24 |
| 30 Year VA Purchase | 6.17% | 6/16/24 |
| 30 Year VA Refi | 5.95% | 6/16/24 |
| 30 Year USDA Purchase | 6.46% | 6/16/24 |
| 15 Year Conventional Purchase | 6.71% | 6/16/24 |
| 15 Year Conventional Refi | 6.04% | 6/16/24 |
| 15 Year Cash-out Refi | 6.04% | 6/16/24 |
| 15 Year FHA Purchase | 5.68% | 6/16/24 |
| 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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This is not an official calculator from Nuvision Federal Credit Union. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,219Origination Dollar Volume (All Markets)
$318,195,000Awards
NuVision Federal Credit Union - 2022
NuVision Federal Credit Union 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 532 | $137,510,000 | $258,477 | $5,355 | 3.50% |
| ANCHORAGE, AK (FHA|USDA|VA) | 259 | $67,615,000 | $261,062 | $5,473 | 3.82% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 119 | $28,325,000 | $238,025 | $5,643 | 3.65% |
| FAIRBANKS, AK (FHA|USDA|VA) | 28 | $14,020,000 | $500,714 | $6,347 | 3.56% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 71 | $13,895,000 | $195,704 | $3,803 | 3.41% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 17 | $9,355,000 | $550,294 | $9,591 | 3.16% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 26 | $6,410,000 | $246,538 | $8,881 | 3.81% |
| Outside of Metro Areas | 25 | $5,775,000 | $231,000 | $6,580 | 3.97% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 8 | $5,520,000 | $690,000 | $6,663 | 3.72% |
| CHEYENNE, WY (FHA|USDA|VA) | 29 | $3,835,000 | $132,241 | $3,868 | 3.54% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $3,635,000 | $519,286 | $4,242 | 3.35% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $3,185,000 | $455,000 | $5,652 | 5.37% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 9 | $1,985,000 | $220,556 | $2,981 | 3.74% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 8 | $1,770,000 | $221,250 | $28,026 | 3.26% |
| Juneau, AK (FHA|USDA|VA) | 12 | $1,450,000 | $120,833 | $3,474 | 2.95% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $1,420,000 | $710,000 | $5,117 | 3.43% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $2,878 | 4.40% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $4,366 | 5.87% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $3,019 | 4.95% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 5 | $1,125,000 | $225,000 | $5,903 | 3.45% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $10,235 | 3.68% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $6,622 | 4.88% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $0 | 2.49% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $3,375 | 3.87% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $11,014 | 5.63% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,059 | 6.75% |
| BEND, OR (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,110 | 3.62% |
| Centralia, WA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $7,780 | 3.25% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,323 | 4.43% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,905 | 2.75% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,773 | 6.25% |
| Riverton, WY (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,030 | 3.93% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,532 | 4.38% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 2.99% |
| CASPER, WY (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,791 | 3.12% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.00% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 2.49% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,009 | 2.88% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.49% |
| NAPA, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.49% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.49% |
| MADERA, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 2.49% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 2.49% |
| Newport, OR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.25% |
| Hilo, HI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 2.49% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.49% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.00% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 3.49% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 2.49% |
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Product Mix
For 2022, Nuvision Federal Credit Union's most frequently originated type of loan was HELOC, with 687 originations. Their 2nd most popular type was Conventional, with 488 originations.
Loan Reason
For 2022, Nuvision Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 396 originations. The 2nd most popular reason was Other, with 302 originations.
Loan Duration/Length
For 2022, Nuvision Federal Credit Union's most frequently cited loan duration was Other, with 688 originations. The 2nd most popular length was 30 Year, with 379 originations.
Origination Fees/Closing Costs
Nuvision Federal Credit Union's average total fees were $6,402, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 199 originations.
Interest Rates
During 2022, Nuvision Federal Credit Union's average interest rate for loans was 4.36%, while their most frequently originated rate bucket for loans was <2.5%, with 439 originations.
Loan Sizing
2022 saw Nuvision Federal Credit Union place emphasis on $200k-400k loans with 352 originations, totaling $100,470,000 in origination value.
Applicant Income
Nuvision Federal Credit Union lent most frequently to those with incomes in the $150k-250k range, with 339 originations. The second most popular income band? $100k-150k, with 326 originations.
Applicant Debt to Income Ratio
Nuvision Federal Credit Union lent most frequently to those with DTI ratios of 30-36%, with 204 originations. The next most common DTI ratio? 20-30%, with 171 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications74.62%
Nuvision Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination83.02%
Nuvision Federal Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,219 | $318,195,000 | $261,030 |