Northpointe Bank in North Carolina vs the state
7.5%Denial rate-10.54 pts vs state
11.3%Decision denial rate-11.49 pts vs state
57.5%Origination rate-0.29 pts vs state
6.54%Median rate+0.04 pts vs state
0.10Rate spread (pts)+0.02 pts vs state
$161kMedian applicant income
176Loans originated
23Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,141 | 682 | 5.2% | 6.99% | #74 |
| 2024 | 447 | 227 | 7.4% | 6.88% | #136 |
| 2025 | 306 | 176 | 7.5% | 6.54% | #195 |
What Northpointe Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 86 | 35 | 11 | 12.8% |
| Wake County | 27 | 17 | 0 | 0.0% |
| Cabarrus County | 22 | 11 | 4 | 18.2% |
| Gaston County | 13 | 8 | 1 | 7.7% |
| New Hanover County | 12 | 6 | 0 | 0.0% |
| Union County | 10 | 9 | 0 | 0.0% |
| Brunswick County | 9 | 7 | 0 | 0.0% |
| Rowan County | 9 | 3 | 1 | 11.1% |
| Iredell County | 8 | 5 | 1 | 12.5% |
| Buncombe County | 7 | 4 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 306 applications in 2025, of which 176 were originated and 23 denied.
7.5% of all applications, or 11.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Northpointe Bank originated in North Carolina in 2025 was 6.54%, against a statewide median of 6.50%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology