Lenders › Northpointe Bank › Kentucky
Northpointe Bank in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Kentucky, Northpointe Bank reported 1,704 applications and 1,085 originations for 2024, $279m in all.
Its denial rate in the state was 10.2%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 8.8%.
The median rate spread on its Kentucky originations was 0.4 percentage points (state median 0.4).
Applications in the state were down 21% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Northpointe Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.2% | 25.0% | 8.8% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.7% | 16.0% | 6.9% | 15.6% |
| Average originated loan | $257k | $219k | $385k | $329k |
| Home purchase share | 81.3% | 55.3% | 71.4% | 57.0% |
| FHA-insured share | 26.9% | 14.6% | 16.7% | 13.4% |
| VA-guaranteed share | 8.0% | 8.0% | 5.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 81% (882)Refinancing 7% (74)Cash-out refinancing 11% (115)Other purpose 1% (14)
By type
Conventional 65% (702)FHA 27% (292)VA 8% (87)USDA 0% (4)
Denial reasons as coded
Share of 124 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 946 | 612 | $155m | 9.6% |
| Bullitt County | 108 | 70 | $17m | 2.8% |
| Hardin County | 81 | 59 | $14m | 6.3% |
| Oldham County | 84 | 50 | $18m | 2.0% |
| Shelby County | 55 | 34 | $11m | 10.5% |
| Spencer County | 51 | 32 | $9.6m | 8.6% |
| Nelson County | 42 | 28 | $5.9m | 6.7% |
| Pulaski County | 33 | 18 | $3.6m | 28.0% |
| Fayette County | 33 | 16 | $5.4m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Northpointe Bank originate in Kentucky in 2024?
1,085 loans totalling $279m, from 1,704 applications reported for properties in Kentucky.
What is Northpointe Bank's denial rate in Kentucky?
10.2% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 8.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kentucky counties does Northpointe Bank lend in most?
By originations: Jefferson County (612), Bullitt County (70), Hardin County (59), Oldham County (50), Shelby County (34).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kentucky. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.