Northpointe Bank in Indiana vs the state
9.6%Denial rate-6.98 pts vs state
13.8%Decision denial rate-6.36 pts vs state
59.7%Origination rate-2.52 pts vs state
6.63%Median rate-0.13 pts vs state
0.22Rate spread (pts)-0.15 pts vs state
$95kMedian applicant income
218Loans originated
35Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 989 | 616 | 4.7% | 6.99% | #66 |
| 2024 | 363 | 222 | 6.3% | 6.88% | #133 |
| 2025 | 365 | 218 | 9.6% | 6.63% | #143 |
What Northpointe Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 88 | 63 | 4 | 4.5% |
| Floyd County | 56 | 36 | 4 | 7.1% |
| Marion County | 48 | 22 | 14 | 29.2% |
| Harrison County | 23 | 16 | 3 | 13.0% |
| Hamilton County | 20 | 8 | 4 | 20.0% |
| St. Joseph County | 13 | 6 | 0 | 0.0% |
| Bartholomew County | 11 | 6 | 0 | 0.0% |
| Washington County | 9 | 3 | 0 | 0.0% |
| Vanderburgh County | 9 | 7 | 2 | 22.2% |
| Monroe County | 9 | 5 | 0 | 0.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 365 applications in 2025, of which 218 were originated and 35 denied.
9.6% of all applications, or 13.8% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Northpointe Bank originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology