Northpointe Bank in Utah vs the state
4.9%Denial rate-11.04 pts vs state
6.7%Decision denial rate-12.45 pts vs state
67.9%Origination rate+4.63 pts vs state
6.38%Median rate-0.25 pts vs state
-0.06Rate spread (pts)-0.29 pts vs state
$162kMedian applicant income
207Loans originated
15Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 247 | 137 | 3.2% | 6.75% | #83 |
| 2024 | 275 | 162 | 4.4% | 6.38% | #77 |
| 2025 | 305 | 207 | 4.9% | 6.38% | #78 |
What Northpointe Bank lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Utah County | 126 | 86 | 5 | 4.0% |
| Salt Lake County | 101 | 64 | 5 | 5.0% |
| Tooele County | 23 | 19 | 0 | 0.0% |
| Davis County | 16 | 12 | 1 | 6.3% |
| Washington County | 7 | 5 | 0 | 0.0% |
| Wasatch County | 5 | 4 | 0 | 0.0% |
| Uintah County | 5 | 4 | 1 | 20.0% |
| Cache County | 4 | 2 | 0 | 0.0% |
| Weber County | 4 | 4 | 0 | 0.0% |
| Duchesne County | 4 | 2 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 305 applications in 2025, of which 207 were originated and 15 denied.
4.9% of all applications, or 6.7% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Northpointe Bank originated in Utah in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology