Noble at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
2nd46.7% deniedPricingmedian rate spread over APOR, weight 30%
4th1.67 ptsProcesswithdrawn + incomplete share, weight 15%
18th20.7%Closing coststotal loan costs ÷ loan amount, weight 10%
82nd1.08% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 760 | 393 | 34.0% | 37.7% | 8.89% | $37M |
| 2024 | 790 | 404 | 34.8% | 37.9% | 9.25% | $48M |
| 2025 | 846 | 337 | 37.0% | 46.7% | 8.25% | $38M |
What Noble lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 413 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 78 investment properties.
Why Noble denies applications
Primary reason reported for each of the 313 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Noble
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 97 | 14 | 81.3% |
| $50k – $100k | 293 | 98 | 53.5% |
| $100k – $150k | 237 | 111 | 35.1% |
| $150k – $250k | 157 | 91 | 29.2% |
| Over $250k | 53 | 20 | 46.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 82 | 29 | 56.1% |
| 35–44 | 200 | 79 | 50.3% |
| 45–54 | 235 | 105 | 43.8% |
| 55–64 | 163 | 54 | 45.8% |
| 65–74 | 114 | 48 | 40.5% |
| Over 74 | 47 | 21 | 42.1% |
Where Noble lends
2 states and 22 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 845 | 337 | 36.9% | 8.25% | #193 |
Frequently asked questions
Noble denied 46.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 2nd percentile of small mortgage lenders.
The most common reason Noble gave in 2025 was "debt-to-income ratio", cited on 42.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Noble originated in 2025 was 8.25%, and its median rate spread over the average prime offer rate was 1.67 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 8% of its applications were for home purchases, 14% for refinancing (including cash-out), and 78% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.