Northpointe Bank in Florida vs the state
7.3%Denial rate-13.76 pts vs state
11.6%Decision denial rate-15.66 pts vs state
55.5%Origination rate+2.76 pts vs state
7.13%Median rate+0.50 pts vs state
0.49Rate spread (pts)+0.22 pts vs state
$182kMedian applicant income
524Loans originated
69Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,545 | 918 | 4.7% | 7.38% | #104 |
| 2024 | 1,101 | 621 | 4.5% | 7.13% | #141 |
| 2025 | 945 | 524 | 7.3% | 7.13% | #161 |
What Northpointe Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Palm Beach County | 121 | 57 | 7 | 5.8% |
| Broward County | 116 | 60 | 12 | 10.3% |
| Sarasota County | 101 | 59 | 2 | 2.0% |
| Bay County | 77 | 43 | 4 | 5.2% |
| Okaloosa County | 59 | 40 | 2 | 3.4% |
| Miami-Dade County | 57 | 18 | 10 | 17.5% |
| Walton County | 47 | 30 | 4 | 8.5% |
| Manatee County | 46 | 27 | 2 | 4.3% |
| Hillsborough County | 24 | 13 | 5 | 20.8% |
| Lee County | 23 | 14 | 1 | 4.3% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 945 applications in 2025, of which 524 were originated and 69 denied.
7.3% of all applications, or 11.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Northpointe Bank originated in Florida in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology