Northpoint Mortgage in Rhode Island vs the state
2.1%Denial rate-16.62 pts vs state
2.5%Decision denial rate-20.67 pts vs state
81.3%Origination rate+21.50 pts vs state
6.75%Median rate0.00 pts vs state
0.25Rate spread (pts)+0.06 pts vs state
$134kMedian applicant income
39Loans originated
1Denied
Trend in Rhode Island
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 31 | 6.8% | 6.88% | #91 |
| 2024 | 41 | 32 | 0.0% | 6.56% | #95 |
| 2025 | 48 | 39 | 2.1% | 6.75% | #99 |
What Northpoint Mortgage lends in Rhode Island
By loan purpose
By loan type
Why it denied Rhode Island applicants
Where in Rhode Island
Counties with the most Northpoint Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Providence County | 30 | 23 | 1 | 3.3% |
| Bristol County | 8 | 7 | 0 | 0.0% |
| Newport County | 5 | 5 | 0 | 0.0% |
| Kent County | 3 | 2 | 0 | 0.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
Other large lenders in Rhode Island
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 6,329 | 27.8% | 7.40% |
| Navigant Credit Union | B | 2,847 | 16.1% | 6.50% |
| COASTAL1 Credit Union | B | 1,931 | 24.3% | 6.75% |
| The Washington Trust Company, of Westerly | C | 1,755 | 21.9% | 6.38% |
| Rocket Mortgage | C | 1,430 | 19.7% | 6.75% |
| Movement Mortgage | A | 1,308 | 3.6% | 6.63% |
| Bank of America | F | 1,298 | 39.1% | 6.24% |
| Primary Residential Mortgage | C | 1,056 | 8.4% | 6.63% |
| BankNewport | B | 1,014 | 19.7% | 6.63% |
| CMG Mortgage | A | 992 | 7.6% | 6.63% |
Frequently asked questions
Rhode Island: 48 applications in 2025, of which 39 were originated and 1 denied.
2.1% of all applications, or 2.5% of the applications it actually decided on. The Rhode Island statewide average across all lenders was 18.7%.
The median rate on loans Northpoint Mortgage originated in Rhode Island in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Northpoint Mortgage's own HMDA filing for properties located in Rhode Island, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology