Northpointe Bank in Colorado vs the state
4.9%Denial rate-10.72 pts vs state
6.8%Decision denial rate-12.82 pts vs state
66.3%Origination rate+6.28 pts vs state
6.63%Median rate0.00 pts vs state
0.08Rate spread (pts)-0.07 pts vs state
$128kMedian applicant income
486Loans originated
36Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,182 | 758 | 2.2% | 6.75% | #50 |
| 2024 | 652 | 395 | 4.1% | 6.77% | #83 |
| 2025 | 733 | 486 | 4.9% | 6.63% | #79 |
What Northpointe Bank lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mesa County | 142 | 96 | 5 | 3.5% |
| El Paso County | 65 | 44 | 4 | 6.2% |
| Arapahoe County | 64 | 39 | 2 | 3.1% |
| Douglas County | 62 | 38 | 3 | 4.8% |
| Jefferson County | 59 | 39 | 3 | 5.1% |
| Denver County | 59 | 44 | 4 | 6.8% |
| Adams County | 58 | 34 | 3 | 5.2% |
| Weld County | 31 | 24 | 2 | 6.5% |
| Teller County | 28 | 18 | 2 | 7.1% |
| Garfield County | 22 | 17 | 2 | 9.1% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 733 applications in 2025, of which 486 were originated and 36 denied.
4.9% of all applications, or 6.8% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Northpointe Bank originated in Colorado in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology