Northpointe Bank in Georgia vs the state
8.2%Denial rate-11.00 pts vs state
12.0%Decision denial rate-13.07 pts vs state
60.0%Origination rate+5.91 pts vs state
6.88%Median rate+0.25 pts vs state
0.26Rate spread (pts)-0.01 pts vs state
$160kMedian applicant income
219Loans originated
30Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 663 | 416 | 3.8% | 6.75% | #102 |
| 2024 | 463 | 299 | 4.1% | 6.63% | #147 |
| 2025 | 365 | 219 | 8.2% | 6.88% | #180 |
What Northpointe Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 51 | 28 | 5 | 9.8% |
| Cobb County | 35 | 21 | 2 | 5.7% |
| DeKalb County | 30 | 21 | 2 | 6.7% |
| Muscogee County | 29 | 19 | 1 | 3.4% |
| Ware County | 20 | 7 | 7 | 35.0% |
| Forsyth County | 20 | 11 | 1 | 5.0% |
| Cherokee County | 20 | 13 | 1 | 5.0% |
| Gwinnett County | 14 | 9 | 0 | 0.0% |
| Chatham County | 14 | 8 | 1 | 7.1% |
| Richmond County | 7 | 5 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 365 applications in 2025, of which 219 were originated and 30 denied.
8.2% of all applications, or 12.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Northpointe Bank originated in Georgia in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology