Northpointe Bank in Washington vs the state
7.1%Denial rate-8.56 pts vs state
9.7%Decision denial rate-9.86 pts vs state
66.1%Origination rate+5.08 pts vs state
6.38%Median rate-0.25 pts vs state
-0.16Rate spread (pts)-0.35 pts vs state
$162kMedian applicant income
168Loans originated
18Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 393 | 239 | 3.3% | 6.75% | #103 |
| 2024 | 164 | 79 | 11.0% | 6.63% | #184 |
| 2025 | 254 | 168 | 7.1% | 6.38% | #166 |
What Northpointe Bank lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Northpointe Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spokane County | 70 | 41 | 8 | 11.4% |
| King County | 55 | 33 | 1 | 1.8% |
| Snohomish County | 31 | 21 | 2 | 6.5% |
| Pend Oreille County | 25 | 16 | 4 | 16.0% |
| Stevens County | 12 | 7 | 1 | 8.3% |
| Pierce County | 11 | 10 | 0 | 0.0% |
| Clark County | 10 | 8 | 0 | 0.0% |
| Whatcom County | 6 | 4 | 0 | 0.0% |
| Kitsap County | 5 | 5 | 0 | 0.0% |
| Jefferson County | 4 | 4 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 254 applications in 2025, of which 168 were originated and 18 denied.
7.1% of all applications, or 9.7% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Northpointe Bank originated in Washington 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 Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology