Northpointe Bank in Alabama vs the state
6.5%Denial rate-13.35 pts vs state
9.1%Decision denial rate-15.91 pts vs state
64.3%Origination rate+8.87 pts vs state
7.38%Median rate+0.88 pts vs state
0.56Rate spread (pts)+0.27 pts vs state
$203kMedian applicant income
178Loans originated
18Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 426 | 268 | 4.9% | 6.63% | #82 |
| 2024 | 217 | 137 | 3.7% | 6.88% | #135 |
| 2025 | 277 | 178 | 6.5% | 7.38% | #130 |
What Northpointe Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 164 | 111 | 9 | 5.5% |
| Jefferson County | 26 | 11 | 4 | 15.4% |
| Russell County | 19 | 15 | 0 | 0.0% |
| Lee County | 14 | 14 | 0 | 0.0% |
| Mobile County | 5 | 2 | 0 | 0.0% |
| Shelby County | 5 | 4 | 0 | 0.0% |
| Calhoun County | 4 | 1 | 3 | 75.0% |
| Montgomery County | 4 | 2 | 0 | 0.0% |
| Autauga County | 4 | 1 | 0 | 0.0% |
| Lauderdale County | 3 | 2 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 277 applications in 2025, of which 178 were originated and 18 denied.
6.5% of all applications, or 9.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Northpointe Bank originated in Alabama in 2025 was 7.38%, against a statewide median of 6.50%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology