Northpointe Bank in Tennessee vs the state
9.5%Denial rate-7.63 pts vs state
14.5%Decision denial rate-7.23 pts vs state
56.3%Origination rate-1.78 pts vs state
6.63%Median rate0.00 pts vs state
0.25Rate spread (pts)+0.02 pts vs state
$168kMedian applicant income
219Loans originated
37Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 292 | 193 | 3.1% | 6.75% | #140 |
| 2024 | 220 | 128 | 5.9% | 6.63% | #188 |
| 2025 | 389 | 219 | 9.5% | 6.63% | #132 |
What Northpointe Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 135 | 80 | 8 | 5.9% |
| Sevier County | 39 | 23 | 2 | 5.1% |
| Rutherford County | 32 | 19 | 6 | 18.8% |
| Williamson County | 31 | 19 | 0 | 0.0% |
| Wilson County | 18 | 10 | 2 | 11.1% |
| Sumner County | 17 | 11 | 1 | 5.9% |
| Maury County | 9 | 4 | 1 | 11.1% |
| Coffee County | 9 | 7 | 1 | 11.1% |
| Shelby County | 9 | 6 | 1 | 11.1% |
| Knox County | 7 | 3 | 1 | 14.3% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 389 applications in 2025, of which 219 were originated and 37 denied.
9.5% of all applications, or 14.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Northpointe Bank originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology