Northpointe Bank in Idaho vs the state
7.4%Denial rate-7.04 pts vs state
11.8%Decision denial rate-5.76 pts vs state
55.6%Origination rate-7.46 pts vs state
6.50%Median rate-0.13 pts vs state
-0.11Rate spread (pts)-0.26 pts vs state
$141kMedian applicant income
15Loans originated
2Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 28 | 3.3% | 6.75% | #132 |
| 2024 | 36 | 12 | 8.3% | 6.88% | #166 |
| 2025 | 27 | 15 | 7.4% | 6.50% | #201 |
What Northpointe Bank lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 13 | 9 | 0 | 0.0% |
| Bonner County | 6 | 2 | 2 | 33.3% |
| Canyon County | 2 | 1 | 0 | 0.0% |
| Teton County | 2 | 1 | 0 | 0.0% |
| Kootenai County | 2 | 1 | 0 | 0.0% |
| Valley County | 1 | 1 | 0 | 0.0% |
| Bannock County | 1 | 0 | 0 | 0.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 27 applications in 2025, of which 15 were originated and 2 denied.
7.4% of all applications, or 11.8% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Northpointe Bank originated in Idaho 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 Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology