Northpointe Bank in Ohio vs the state
8.4%Denial rate-9.26 pts vs state
12.6%Decision denial rate-9.28 pts vs state
57.9%Origination rate-2.03 pts vs state
7.13%Median rate+0.25 pts vs state
0.31Rate spread (pts)-0.08 pts vs state
$96kMedian applicant income
103Loans originated
15Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 124 | 2.0% | 7.25% | #222 |
| 2024 | 169 | 90 | 8.3% | 7.50% | #240 |
| 2025 | 178 | 103 | 8.4% | 7.13% | #255 |
What Northpointe Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 26 | 18 | 0 | 0.0% |
| Franklin County | 22 | 12 | 1 | 4.5% |
| Cuyahoga County | 22 | 14 | 2 | 9.1% |
| Delaware County | 15 | 10 | 0 | 0.0% |
| Summit County | 14 | 12 | 0 | 0.0% |
| Muskingum County | 12 | 4 | 2 | 16.7% |
| Stark County | 11 | 3 | 6 | 54.5% |
| Marion County | 6 | 3 | 0 | 0.0% |
| Clermont County | 6 | 3 | 0 | 0.0% |
| Clark County | 5 | 3 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 178 applications in 2025, of which 103 were originated and 15 denied.
8.4% of all applications, or 12.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Northpointe Bank originated in Ohio in 2025 was 7.13%, against a statewide median of 6.88%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology