Northpointe Bank in Virginia vs the state
4.3%Denial rate-11.67 pts vs state
6.8%Decision denial rate-13.49 pts vs state
57.3%Origination rate-2.26 pts vs state
6.25%Median rate-0.38 pts vs state
-0.16Rate spread (pts)-0.38 pts vs state
$196kMedian applicant income
67Loans originated
5Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 80 | 5.6% | 6.50% | #219 |
| 2024 | 122 | 63 | 5.7% | 6.25% | #255 |
| 2025 | 117 | 67 | 4.3% | 6.25% | #273 |
What Northpointe Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 23 | 16 | 0 | 0.0% |
| Loudoun County | 14 | 9 | 2 | 14.3% |
| Chesterfield County | 8 | 5 | 0 | 0.0% |
| Prince William County | 7 | 5 | 1 | 14.3% |
| Henrico County | 6 | 3 | 0 | 0.0% |
| Frederick County | 5 | 2 | 0 | 0.0% |
| Shenandoah County | 5 | 2 | 0 | 0.0% |
| Alexandria city | 5 | 2 | 0 | 0.0% |
| Arlington County | 4 | 3 | 0 | 0.0% |
| Winchester city | 4 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 117 applications in 2025, of which 67 were originated and 5 denied.
4.3% of all applications, or 6.8% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Northpointe Bank originated in Virginia in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Northpointe Bank's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology