Northpointe Bank in New Jersey vs the state
8.7%Denial rate-8.96 pts vs state
12.6%Decision denial rate-10.42 pts vs state
60.0%Origination rate+4.32 pts vs state
6.50%Median rate-0.25 pts vs state
0.10Rate spread (pts)-0.18 pts vs state
$195kMedian applicant income
165Loans originated
24Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,798 | 880 | 9.0% | 6.50% | #32 |
| 2024 | 221 | 129 | 7.7% | 6.88% | #182 |
| 2025 | 275 | 165 | 8.7% | 6.50% | #169 |
What Northpointe Bank lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Morris County | 34 | 23 | 3 | 8.8% |
| Bergen County | 29 | 18 | 0 | 0.0% |
| Passaic County | 27 | 13 | 6 | 22.2% |
| Middlesex County | 24 | 15 | 0 | 0.0% |
| Ocean County | 24 | 18 | 1 | 4.2% |
| Essex County | 22 | 10 | 3 | 13.6% |
| Somerset County | 18 | 13 | 0 | 0.0% |
| Monmouth County | 18 | 12 | 0 | 0.0% |
| Mercer County | 14 | 11 | 2 | 14.3% |
| Hudson County | 13 | 8 | 2 | 15.4% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 275 applications in 2025, of which 165 were originated and 24 denied.
8.7% of all applications, or 12.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Northpointe Bank originated in New Jersey in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology