Northpointe Bank in Kentucky vs the state
9.0%Denial rate-9.83 pts vs state
12.6%Decision denial rate-10.85 pts vs state
61.4%Origination rate+3.40 pts vs state
6.88%Median rate+0.13 pts vs state
0.42Rate spread (pts)+0.11 pts vs state
$107kMedian applicant income
1,184Loans originated
173Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,164 | 1,357 | 6.1% | 6.75% | #16 |
| 2024 | 1,704 | 1,085 | 7.3% | 6.75% | #21 |
| 2025 | 1,927 | 1,184 | 9.0% | 6.88% | #22 |
What Northpointe Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1,062 | 646 | 92 | 8.7% |
| Oldham County | 124 | 86 | 6 | 4.8% |
| Bullitt County | 120 | 78 | 10 | 8.3% |
| Hardin County | 82 | 56 | 5 | 6.1% |
| Shelby County | 63 | 39 | 2 | 3.2% |
| Spencer County | 45 | 26 | 3 | 6.7% |
| Nelson County | 37 | 27 | 2 | 5.4% |
| Fayette County | 34 | 15 | 2 | 5.9% |
| Pulaski County | 31 | 19 | 4 | 12.9% |
| Meade County | 29 | 19 | 3 | 10.3% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 1,927 applications in 2025, of which 1,184 were originated and 173 denied.
9.0% of all applications, or 12.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Northpointe Bank originated in Kentucky in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology