Northpointe Bank in Pennsylvania vs the state
5.0%Denial rate-13.29 pts vs state
6.7%Decision denial rate-15.54 pts vs state
69.0%Origination rate+8.04 pts vs state
6.50%Median rate-0.13 pts vs state
0.24Rate spread (pts)0.00 pts vs state
$170kMedian applicant income
69Loans originated
5Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 982 | 739 | 4.0% | 6.63% | #78 |
| 2024 | 133 | 76 | 4.5% | 6.75% | #330 |
| 2025 | 100 | 69 | 5.0% | 6.50% | #374 |
What Northpointe Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 14 | 9 | 1 | 7.1% |
| Philadelphia County | 10 | 7 | 0 | 0.0% |
| Chester County | 9 | 8 | 0 | 0.0% |
| Allegheny County | 8 | 5 | 0 | 0.0% |
| Monroe County | 8 | 4 | 1 | 12.5% |
| Bucks County | 7 | 5 | 1 | 14.3% |
| Carbon County | 6 | 6 | 0 | 0.0% |
| Delaware County | 5 | 4 | 0 | 0.0% |
| Lancaster County | 4 | 1 | 0 | 0.0% |
| Butler County | 4 | 3 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 100 applications in 2025, of which 69 were originated and 5 denied.
5.0% of all applications, or 6.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Northpointe Bank originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology