Northpointe Bank in Delaware vs the state
7.7%Denial rate-10.47 pts vs state
9.4%Decision denial rate-13.35 pts vs state
74.4%Origination rate+15.17 pts vs state
6.50%Median rate-0.13 pts vs state
0.18Rate spread (pts)-0.09 pts vs state
$99kMedian applicant income
58Loans originated
6Denied
Trend in Delaware
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 111 | 71 | 3.6% | 6.50% | #71 |
| 2024 | 31 | 26 | 0.0% | 6.31% | #149 |
| 2025 | 78 | 58 | 7.7% | 6.50% | #94 |
What Northpointe Bank lends in Delaware
By loan purpose
By loan type
Why it denied Delaware applicants
Where in Delaware
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 29 | 21 | 4 | 13.8% |
| New Castle County | 28 | 21 | 1 | 3.6% |
| Sussex County | 21 | 16 | 1 | 4.8% |
Other large lenders in Delaware
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 2,381 | 15.5% | 6.88% |
| Wilmington Savings Fund Society | B | 1,801 | 16.6% | 7.25% |
| Citizens Bank | C | 1,633 | 29.3% | 7.65% |
| PNC Bank | D | 1,492 | 25.1% | 7.50% |
| NVR Mortgage Finance | B | 1,414 | 18.7% | 6.63% |
| United Shore Financial Services | B | 1,408 | 13.0% | 6.13% |
| Pike Creek Mortgage Services | B | 1,383 | 2.2% | 6.38% |
| Manufacturers and Traders Trust | C | 1,337 | 32.5% | 5.99% |
| Newrez | D | 1,127 | 18.4% | 6.50% |
| Del-One Federal Credit Union | D | 1,070 | 41.3% | 7.00% |
Frequently asked questions
Delaware: 78 applications in 2025, of which 58 were originated and 6 denied.
7.7% of all applications, or 9.4% of the applications it actually decided on. The Delaware statewide average across all lenders was 18.2%.
The median rate on loans Northpointe Bank originated in Delaware in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Delaware, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology