Northpoint Mortgage, Inc. mortgage approval rate & lending review
Northpoint Mortgage, Inc. decided 3,887 mortgage applications and funded 3,662 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Northpoint Mortgage, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Northpoint Mortgage, Inc. at a glance
Approval is 8.9 points above the 85.6% 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 | 95% | 2,886 / 3,046 | 100% | $385K | 2,880 |
| Home improvement loans | 97% | 31 / 32 | 100% | $275K | 31 |
| Cash-out refinance | 90% | 189 / 210 | 99% | $335K | 188 |
| Refinance | 96% | 140 / 146 | 99% | $405K | 139 |
| Investment property purchase | 96% | 353 / 368 | 99% | $355K | 351 |
| Investment cash-out refinance | 88% | 60 / 68 | 98% | $255K | 59 |
Northpoint Mortgage, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 94% | $405K | 1,091 | 1,017 |
| Florida | 94% | $375K | 792 | 740 |
| Maine | 94% | $335K | 680 | 638 |
| New Hampshire | 94% | $405K | 481 | 452 |
| South Carolina | 98% | $445K | 457 | 450 |
| Connecticut | 93% | $295K | 238 | 220 |
| Rhode Island | 98% | $385K | 86 | 84 |
| Maryland | 97% | $395K | 31 | 30 |
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 Northpoint Mortgage, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hampden County, MA | Mortgage lenders | 91% | 278 | 254 |
| Worcester County, MA | Mortgage lenders | 95% | 240 | 226 |
| Orange County, FL | Mortgage lenders | 96% | 206 | 198 |
| Osceola County, FL | Mortgage lenders | 91% | 209 | 191 |
| York County, ME | Mortgage lenders | 94% | 193 | 180 |
| Cumberland County, ME | Mortgage lenders | 97% | 179 | 173 |
| Beaufort County, SC | Mortgage lenders | 98% | 174 | 170 |
| Hillsborough County, NH | Mortgage lenders | 93% | 167 | 155 |
| Capitol Planning Region, CT | Mortgage lenders | 94% | 151 | 141 |
| Beaufort County, SC | Investment property purchase | 100% | 96 | 96 |
| Kennebec County, ME | Mortgage lenders | 90% | 105 | 95 |
| Rockingham County, NH | Mortgage lenders | 98% | 90 | 88 |
The county markets where Northpoint Mortgage, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Northpoint Mortgage, Inc.
What is Northpoint Mortgage, Inc.'s mortgage approval rate?
Northpoint Mortgage, Inc. approved 94.5% of the 3,887 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.9 points above the 85.6% national rate for the same mix of loan types.
How often do borrowers take the loan Northpoint Mortgage, Inc. offers?
Borrowers accepted 100% of the loans Northpoint Mortgage, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Northpoint Mortgage, Inc. make?
The typical home purchase mortgage loan Northpoint Mortgage, Inc. made was $385K; across all loan types its typical loan ran from $255K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Northpoint Mortgage, Inc. lend?
Northpoint Mortgage, Inc. decided applications in 14 of the states Fat Boy Data covers, most of them in Massachusetts, Florida and Maine.
Can I apply to Northpoint Mortgage, Inc. directly?
Yes. Northpoint Mortgage, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show Northpoint Mortgage, Inc.'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 Northpoint Mortgage, Inc. treats applications, then get a rate quote from the lender.