Northpointe Bank in Michigan vs the state
5.6%Denial rate-12.91 pts vs state
8.3%Decision denial rate-14.31 pts vs state
61.7%Origination rate+1.81 pts vs state
6.63%Median rate-0.13 pts vs state
0.31Rate spread (pts)-0.09 pts vs state
$110kMedian applicant income
572Loans originated
52Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 739 | 461 | 5.4% | 7.00% | #86 |
| 2024 | 679 | 413 | 5.7% | 6.69% | #93 |
| 2025 | 927 | 572 | 5.6% | 6.63% | #79 |
What Northpointe Bank lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kent County | 330 | 213 | 14 | 4.2% |
| Ingham County | 87 | 49 | 3 | 3.4% |
| Ottawa County | 67 | 41 | 4 | 6.0% |
| Wayne County | 55 | 42 | 3 | 5.5% |
| Eaton County | 42 | 24 | 1 | 2.4% |
| Oakland County | 42 | 29 | 3 | 7.1% |
| Clinton County | 31 | 19 | 2 | 6.5% |
| Allegan County | 30 | 20 | 1 | 3.3% |
| Muskegon County | 22 | 11 | 4 | 18.2% |
| Kalamazoo County | 22 | 13 | 1 | 4.5% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 927 applications in 2025, of which 572 were originated and 52 denied.
5.6% of all applications, or 8.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Northpointe Bank originated in Michigan 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 Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology