Northpointe Bank in Texas vs the state
6.9%Denial rate-12.55 pts vs state
11.6%Decision denial rate-13.27 pts vs state
50.5%Origination rate-4.42 pts vs state
6.50%Median rate0.00 pts vs state
-0.06Rate spread (pts)-0.25 pts vs state
$193kMedian applicant income
110Loans originated
15Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 561 | 268 | 10.0% | 6.88% | #241 |
| 2024 | 343 | 166 | 8.2% | 6.63% | #301 |
| 2025 | 218 | 110 | 6.9% | 6.50% | #401 |
What Northpointe Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 31 | 17 | 2 | 6.5% |
| Harris County | 26 | 13 | 3 | 11.5% |
| Travis County | 25 | 11 | 2 | 8.0% |
| Dallas County | 20 | 9 | 0 | 0.0% |
| Williamson County | 18 | 11 | 0 | 0.0% |
| Denton County | 9 | 3 | 1 | 11.1% |
| Tarrant County | 8 | 1 | 1 | 12.5% |
| Montgomery County | 6 | 2 | 1 | 16.7% |
| Fort Bend County | 6 | 4 | 0 | 0.0% |
| Hays County | 5 | 2 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 218 applications in 2025, of which 110 were originated and 15 denied.
6.9% of all applications, or 11.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Northpointe Bank originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology