Noble mortgage approval rate & lending review
Noble decided 1,217 mortgage applications and funded 707 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Noble reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Noble at a glance
Approval is 3.3 points below the 67.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 72% | 108 / 151 | 95% | $255K | 103 |
| Home improvement loans | 62% | 479 / 767 | 90% | $65K | 430 |
| Cash-out refinance | 83% | 29 / 35 | 93% | $255K | 27 |
| Refinance | 73% | 108 / 148 | 94% | $95K | 102 |
| Investment home improvement | 43% | 37 / 87 | 78% | $65K | 29 |
Noble lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 64% | $65K | 1,216 | 707 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Noble lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fresno County, CA | Home improvement loans | 63% | 642 | 359 |
| Fresno County, CA | Mortgage lenders | 69% | 127 | 83 |
| Fresno County, CA | Refinance | 72% | 123 | 83 |
| Madera County, CA | Home improvement loans | 61% | 70 | 39 |
| Fresno County, CA | Cash-out refinance | 81% | 31 | 24 |
| Fresno County, CA | Investment home improvement | 43% | 70 | 24 |
| Tulare County, CA | Home improvement loans | 62% | 32 | 19 |
The county markets where Noble made the most loans. Each link opens that market with every lender ranked.
Questions about Noble
What is Noble's mortgage approval rate?
Noble approved 63.9% of the 1,217 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.3 points below the 67.3% national rate for the same mix of loan types.
How often do borrowers take the loan Noble offers?
Borrowers accepted 91% of the loans Noble approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Noble make?
The typical home improvement loan loan Noble made was $65K; across all loan types its typical loan ran from $65K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Noble lend?
Noble decided applications in 2 of the states Fat Boy Data covers, most of them in California and Washington.
Can I apply to Noble directly?
Yes. Noble is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Noble's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Noble treats applications, then get a rate quote from the lender.