Applications / Mortgage Analytics / Lenders / California / Noble Federal Credit Union
Fresno, CA · Credit union · NCUA · $1.4 billion assets · 337 loans in 2025
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337
loans originated, 2025
846
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Noble Federal Credit Union, of Fresno, lends mostly for home improvement, and 73.0% of its loans go to majority-minority neighborhoods, a higher share than at nearly all similar credit unions.
Home improvement made up 43.3% of its loans and other purposes 31.5%; purchases were just 7.7%. Its typical loan was $75,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), lower than about nine in ten of them.
Majority-minority neighborhoods received 73.0% of its loans, against 12.1% at similar lenders. All its lending is in California, and its largest market is Fresno, so the figure may reflect the places it serves.
It made 337 loans, down 17% from 404, while similar lenders grew 7% and the whole market 10%. Its count peaked at 496 in 2022 and is still above the 232 of 2020, so 2025 may partly be a return from an unusually busy stretch.
Its share of Fresno fell 0.2 points to 0.6%, ranking it 37 of 409 lenders. United Wholesale Mortgage leads there. Its lower volume is one possible reason. In Merced its share rose to 0.1%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Noble Federal Credit Union took 846 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 43.3% · Other 31.5% · Refinance 17.5% · Purchase 7.7%
Conventional 100.0% · of 337 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 337 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fresno | 303 |
| Visalia | 13 |
| Hanford-Corcoran | 5 |
| Oxnard-Thousand Oaks-Ventura | 3 |
| Bakersfield-Delano | 2 |
| Merced | 2 |
| Los Angeles-Long Beach-Glendale | 1 |
| Modesto | 1 |
| Redding | 1 |
| Salinas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NW5S24O35U1962 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 575290 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524552 | 1996–2017 |
Established 1 January 1941. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Noble Federal Credit Union's data.
Noble Federal Credit Union's data
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Noble Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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