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 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

496

Origination Dollar Volume (All Markets)

$44,790,000

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) 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%
Noble Federal Credit Union's top markets include Fresno, Madera, Visalia, Hanford, and Riverside among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Similar Lenders

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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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 222 $15,900,000 $71,622 $0 0.00%
    Other 195 $13,905,000 $71,308 $0 0.00%
    Cash Out Refi 36 $7,900,000 $219,444 $0 0.00%
    Refi 22 $2,510,000 $114,091 $0 0.00%
    Home Purchase 21 $4,575,000 $217,857 $0 0.00%

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 345 $18,705,000 $54,217 $0 0.00%
    $100k-200k 110 $14,510,000 $131,909 $0 0.00%
    $200k-400k 35 $8,835,000 $252,429 $0 0.00%
    $400k-600k 6 $2,740,000 $456,667 $0 0.00%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 145 $12,625,000 $87,069 $0 0.00%
    $150k-250k 114 $11,540,000 $101,228 $0 0.00%
    $75k-100k 110 $9,650,000 $87,727 $0 0.00%
    $50k-75k 73 $5,275,000 $72,260 $0 0.00%
    $50k or less 27 $1,925,000 $71,296 $0 0.00%
    $250k+ 26 $3,720,000 $143,077 $0 0.00%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 286 $24,820,000 $86,783 $0 0.00%
    Not provided 141 $11,895,000 $84,362 $0 0.00%
    Asian 30 $3,670,000 $122,333 $0 0.00%
    Black 20 $1,920,000 $96,000 $0 0.00%
    American Indian 10 $1,780,000 $178,000 $0 0.00%
    Asian Indian 4 $410,000 $102,500 $0 0.00%
    Other Asian 2 $150,000 $75,000 $0 0.00%
    Filipino 3 $145,000 $48,333 $0 0.00%

    Approval Rates

    Total approvals of all applications
    69.56%

    Noble Federal Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    87.70%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    496 $44,790,000 $90,302