Noble in California vs the state
36.9%Denial rate+19.50 pts vs state
46.6%Decision denial rate+24.17 pts vs state
39.9%Origination rate-16.32 pts vs state
8.25%Median rate+1.63 pts vs state
1.67Rate spread (pts)+1.40 pts vs state
$105kMedian applicant income
337Loans originated
312Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 760 | 393 | 34.0% | 8.89% | #161 |
| 2024 | 790 | 404 | 34.8% | 9.25% | #186 |
| 2025 | 845 | 337 | 36.9% | 8.25% | #193 |
What Noble lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Noble applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fresno County | 693 | 275 | 253 | 36.5% |
| Madera County | 70 | 28 | 33 | 47.1% |
| Tulare County | 32 | 13 | 13 | 40.6% |
| Kings County | 16 | 5 | 5 | 31.3% |
| Sacramento County | 6 | 0 | 3 | 50.0% |
| Merced County | 6 | 2 | 2 | 33.3% |
| Ventura County | 3 | 3 | 0 | 0.0% |
| Monterey County | 2 | 1 | 1 | 50.0% |
| Alameda County | 2 | 0 | 1 | 50.0% |
| Kern County | 2 | 2 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 845 applications in 2025, of which 337 were originated and 312 denied.
36.9% of all applications, or 46.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Noble originated in California in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Noble's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology