NobleBank & Trust
NobleBank & Trust received 55 applications in 2025 and made 40 mortgages, in 11 counties across 3 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 52 decisions, 9 were denials — 17.3%, most often for credit history.
| Legal Entity Identifier | 549300CNDBHD7VKHK806 |
|---|---|
| Applications received | 55 |
| Mortgages made | 40 |
| Denied | 9 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.698 points |
| FDIC-insured bank | Yes: NobleBank & Trust, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 17 | 7.500% | $145,000 | 9.5% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 16 | 7.500% | $70,000 | 23.8% |
Where NobleBank & Trust lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Calhoun County, AL | 21 | 7.500% | 14.8% |
| Cleburne County, AL | 5 | Under 10 loans | 37.5% |
| Jefferson County, AL | 5 | Under 10 loans | 16.7% |
| Shelby County, AL | 3 | Under 10 loans | 0.0% |
| Cherokee County, AL | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Talladega County, AL | 1 | Under 10 loans | 0.0% |
| Lafayette County, MS | 1 | Under 10 loans | 0.0% |
| Guilford County, NC | 1 | Under 10 loans | 0.0% |
| Randolph County, AL | 0 | Under 10 loans | 100.0% |
| St. Clair County, AL | 0 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.