Northview Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
15th23.1% deniedProcesswithdrawn + incomplete share, weight 15%
9th26.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 449 | 245 | 17.8% | 24.2% | 6.89% | $48M |
| 2024 | 418 | 215 | 18.7% | 26.6% | — | $46M |
| 2025 | 439 | 250 | 17.1% | 23.1% | — | $63M |
What Northview Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 74 manufactured homes, 23 investment properties.
Who gets approved at Northview Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 55 | 14 | 62.2% |
| $50k – $100k | 139 | 69 | 30.3% |
| $100k – $150k | 79 | 46 | 22.0% |
| $150k – $250k | 86 | 67 | 8.2% |
| Over $250k | 61 | 37 | 7.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 27 | 12 | 33.3% |
| 25–34 | 66 | 30 | 28.6% |
| 35–44 | 98 | 56 | 21.1% |
| 45–54 | 93 | 61 | 16.4% |
| 55–64 | 100 | 55 | 31.3% |
| 65–74 | 33 | 17 | 22.7% |
Where Northview Bank lends
7 states and 56 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Northview Bank denied 23.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
In 2025, 71% of its applications were for home purchases, 15% for refinancing (including cash-out), and 14% for home improvement or other purposes. By loan type: 98% conventional, 1% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.