Lender profile · HMDA 2023–2025
Northpointe Bank mortgage approval rates & lending data
Northpointe Bank decided 18,476 mortgage applications and funded 16,679 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.