Northmarq Capital Finance at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
59th3.6% deniedProcesswithdrawn + incomplete share, weight 15%
22nd13.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 63 | 53 | 1.6% | 1.8% | 5.63% | $986M |
| 2024 | 115 | 101 | 2.6% | 2.9% | 5.58% | $2.2B |
| 2025 | 163 | 136 | 3.1% | 3.6% | 5.34% | $2.7B |
What Northmarq Capital Finance lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 163 investment properties.
Why Northmarq Capital Finance denies applications
Primary reason reported for each of the 5 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Where Northmarq Capital Finance lends
34 states and 103 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 34 | 29 | 8.8% | 5.11% | #770 |
| California | 10 | 10 | 0.0% | 5.38% | #739 |
| New York | 10 | 8 | 0.0% | 5.35% | #465 |
| Arizona | 9 | 8 | 0.0% | 5.37% | #519 |
| Minnesota | 9 | 8 | 0.0% | 5.34% | #473 |
| Pennsylvania | 8 | 6 | 0.0% | 5.63% | #721 |
| Washington | 8 | 8 | 0.0% | 5.42% | #474 |
| Florida | 6 | 4 | 0.0% | 6.20% | #1,057 |
| Illinois | 6 | 5 | 0.0% | 5.36% | #744 |
| Utah | 5 | 4 | 0.0% | 5.12% | #328 |
Frequently asked questions
Northmarq Capital Finance denied 3.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 59th percentile of investment-property lenders.
The most common reason Northmarq Capital Finance gave in 2025 was "unverifiable information", cited on 60.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Northmarq Capital Finance originated in 2025 was 5.34%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 40% of its applications were for home purchases, 59% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.