Northpointe Bank in South Carolina vs the state
8.2%Denial rate-10.10 pts vs state
11.2%Decision denial rate-12.29 pts vs state
64.3%Origination rate+7.64 pts vs state
6.99%Median rate+0.49 pts vs state
0.29Rate spread (pts)+0.07 pts vs state
$152kMedian applicant income
133Loans originated
17Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 343 | 195 | 10.5% | 7.00% | #110 |
| 2024 | 165 | 95 | 6.7% | 6.99% | #187 |
| 2025 | 207 | 133 | 8.2% | 6.99% | #180 |
What Northpointe Bank lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Charleston County | 60 | 36 | 1 | 1.7% |
| Horry County | 32 | 22 | 1 | 3.1% |
| Berkeley County | 25 | 19 | 4 | 16.0% |
| York County | 12 | 4 | 3 | 25.0% |
| Dorchester County | 12 | 10 | 0 | 0.0% |
| Greenville County | 9 | 7 | 0 | 0.0% |
| Lancaster County | 7 | 4 | 1 | 14.3% |
| Spartanburg County | 6 | 5 | 0 | 0.0% |
| Richland County | 5 | 2 | 1 | 20.0% |
| Georgetown County | 5 | 4 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 207 applications in 2025, of which 133 were originated and 17 denied.
8.2% of all applications, or 11.2% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Northpointe Bank originated in South Carolina in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology