Northpointe Bank mortgage approval rate & lending review
Northpointe Bank decided 18,476 mortgage applications and funded 16,679 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Northpointe Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Northpointe Bank at a glance
Approval is 7.4 points above the 83.8% 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 | 93% | 10,838 / 11,701 | 99% | $335K | 10,763 |
| Cash-out refinance | 86% | 1,563 / 1,810 | 98% | $365K | 1,532 |
| Refinance | 90% | 1,456 / 1,621 | 98% | $505K | 1,430 |
| Investment property purchase | 92% | 1,947 / 2,106 | 99% | $305K | 1,923 |
| Investment cash-out refinance | 85% | 682 / 799 | 98% | $205K | 668 |
| Investment refinance | 84% | 348 / 413 | 97% | $235K | 339 |
Northpointe Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 90% | $235K | 2,496 | 2,231 |
| Florida | 91% | $355K | 1,992 | 1,800 |
| Colorado | 95% | $415K | 1,331 | 1,254 |
| New Jersey | 85% | $475K | 1,321 | 1,103 |
| Michigan | 92% | $295K | 1,203 | 1,102 |
| North Carolina | 90% | $325K | 917 | 815 |
| Pennsylvania | 95% | $225K | 851 | 805 |
| California | 92% | $485K | 720 | 654 |
| Indiana | 91% | $225K | 716 | 639 |
| Georgia | 94% | $325K | 688 | 643 |
| Rhode Island | 92% | $385K | 627 | 572 |
| Texas | 85% | $385K | 568 | 473 |
| Massachusetts | 92% | $415K | 560 | 507 |
| Alabama | 92% | $265K | 505 | 462 |
| South Carolina | 87% | $345K | 431 | 372 |
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 Northpointe Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, KY | Mortgage lenders | 91% | 1,570 | 1,419 |
| Kent County, MI | Mortgage lenders | 96% | 325 | 312 |
| Providence County, RI | Mortgage lenders | 94% | 325 | 304 |
| Mesa County, CO | Mortgage lenders | 97% | 187 | 182 |
| Berks County, PA | Mortgage lenders | 99% | 181 | 177 |
| Clark County, IN | Mortgage lenders | 97% | 181 | 174 |
| Utah County, UT | Mortgage lenders | 95% | 176 | 165 |
| Jefferson County, KY | Cash-out refinance | 87% | 192 | 162 |
| Palm Beach County, FL | Mortgage lenders | 90% | 173 | 156 |
| Hardin County, KY | Mortgage lenders | 94% | 157 | 146 |
| El Paso County, CO | Mortgage lenders | 96% | 152 | 145 |
| Muscogee County, GA | Mortgage lenders | 97% | 142 | 137 |
The county markets where Northpointe Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Northpointe Bank
What is Northpointe Bank's mortgage approval rate?
Northpointe Bank approved 91.2% of the 18,476 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.4 points above the 83.8% national rate for the same mix of loan types.
How often do borrowers take the loan Northpointe Bank offers?
Borrowers accepted 99% of the loans Northpointe Bank 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 Northpointe Bank make?
The typical home purchase mortgage loan Northpointe Bank made was $335K; across all loan types its typical loan ran from $205K to $505K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Northpointe Bank lend?
Northpointe Bank decided applications in 51 of the states Fat Boy Data covers, most of them in Kentucky, Florida and Colorado.
Can I apply to Northpointe Bank directly?
Yes. Northpointe Bank is a bank or credit union with 1 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Northpointe Bank'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 Northpointe Bank treats applications, then get a rate quote from the lender.