Noble Federal Credit Union Mortgage Rates, Fees & Info

Fresno, CA

LEI: 549300NW5S24O35U1962

Tax ID: 94-1214416

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Mortgage Data

Review & Overview

Noble Federal Credit Union is a smaller credit union specializing in Cash Out Refi and Refi loans. Noble Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Fresno, Madera, Stockton, Salinas, and Hanford among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

Noble 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.

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Originations

250

Origination Dollar Volume (All Markets)

$36,160,000

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
FRESNO, CA (FHA|USDA|VA) 222 $32,450,000 $146,171 $0 0.00%
MADERA, CA (FHA|USDA|VA) 22 $2,930,000 $133,182 $0 0.00%
STOCKTON, CA (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
SALINAS, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 3 $135,000 $45,000 $0 0.00%
VISALIA, CA (FHA|USDA|VA) 1 $85,000 $85,000 $0 0.00%
Noble Federal Credit Union's top markets include Fresno, Madera, Stockton, Salinas, and Hanford among others.

Their top states include:
  • California (FHA|USDA|VA)
  • 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 250 $36,160,000 $144,640 $0 0.00%

    For 2021, Noble Federal Credit Union's most frequently originated type of loan was Conventional, with 250 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 80 $17,880,000 $223,500 $0 0.00%
    Home Improvement 66 $3,350,000 $50,758 $0 0.00%
    Refi 46 $8,220,000 $178,696 $0 0.00%
    Other 41 $2,765,000 $67,439 $0 0.00%
    Home Purchase 17 $3,945,000 $232,059 $0 0.00%

    For 2021, Noble Federal Credit Union's most frequently cited loan purpose was Cash Out Refi, with 80 originations. The 2nd most popular reason was Home Improvement, with 66 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 250 $36,160,000 $144,640 $0 0.00%

    For 2021, Noble Federal Credit Union's most frequently cited loan duration was Other, with 250 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 116 $5,760,000 $49,655 $0 0.00%
    $200k-400k 78 $20,480,000 $262,564 $0 0.00%
    $100k-200k 51 $7,535,000 $147,745 $0 0.00%
    $400k-600k 5 $2,385,000 $477,000 $0 0.00%

    2021 saw Noble Federal Credit Union place emphasis on $100,000 or less loans with 116 originations, totaling $5,760,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 75 $10,575,000 $141,000 $0 0.00%
    $50k-75k 59 $8,545,000 $144,831 $0 0.00%
    $75k-100k 53 $7,075,000 $133,491 $0 0.00%
    $150k-250k 35 $6,095,000 $174,143 $0 0.00%
    $50k or less 24 $3,200,000 $133,333 $0 0.00%
    $250k+ 4 $670,000 $167,500 $0 0.00%

    Noble Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 75 originations. The second most popular income band? $50k-75k, with 59 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 250 $36,160,000 $144,640 $0 0.00%

    Noble Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 250 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 170 $20,150,000 $118,529 $0 0.00%
    Not provided 52 $11,470,000 $220,577 $0 0.00%
    Black 15 $2,255,000 $150,333 $0 0.00%
    Asian 8 $1,410,000 $176,250 $0 0.00%
    Other Asian 2 $540,000 $270,000 $0 0.00%
    American Indian 1 $235,000 $235,000 $0 0.00%
    Other Pacific Islander 1 $65,000 $65,000 $0 0.00%
    Native Hawaiian or Islander 1 $35,000 $35,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    82.33%

    Noble Federal Credit Union has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    78.00%

    Noble Federal Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 250 $36,160,000 $144,640

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    250 $36,160,000 $144,640