Noble Federal Credit Union Mortgage Rates, Fees & Info
Fresno, CALEI: 549300NW5S24O35U1962
Tax ID: 94-1214416
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Noble Federal Credit Union is a smaller credit union specializing in Home Improvement and Other loans. Noble Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Fresno, Madera, Visalia, Hanford, and Riverside among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Noble Federal Credit Union has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
496Origination Dollar Volume (All Markets)
$44,790,000Top 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 |
|---|---|---|---|---|---|
| FRESNO, CA (FHA|USDA|VA) | 415 | $38,255,000 | $92,181 | $0 | 0.00% |
| MADERA, CA (FHA|USDA|VA) | 50 | $3,820,000 | $76,400 | $0 | 0.00% |
| VISALIA, CA (FHA|USDA|VA) | 19 | $1,775,000 | $93,421 | $0 | 0.00% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 7 | $405,000 | $57,857 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| Outside of Metro Areas | 1 | $55,000 | $55,000 | $0 | 0.00% |
| MERCED, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 0.00% |
Their top states include:
Similar Lenders
We use machine learning to identify the top lenders compared against Noble 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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 496 | $44,790,000 | $90,302 | $0 | 0.00% |
For 2022, Noble Federal Credit Union's most frequently originated type of loan was Conventional, with 496 originations.
Loan Reason
For 2022, Noble Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 222 originations. The 2nd most popular reason was Other, with 195 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 496 | $44,790,000 | $90,302 | $0 | 0.00% |
For 2022, Noble Federal Credit Union's most frequently cited loan duration was Other, with 496 originations.
Loan Sizing
2022 saw Noble Federal Credit Union place emphasis on $100,000 or less loans with 345 originations, totaling $18,705,000 in origination value.
Applicant Income
Noble Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 145 originations. The second most popular income band? $150k-250k, with 114 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 496 | $44,790,000 | $90,302 | $0 | 0.00% |
Noble Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 496 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications69.56%
Noble Federal Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination87.70%
Noble Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 496 | $44,790,000 | $90,302 |