# NORTHPOINT MORTGAGE, INC. > **Canonical URL:** https://saferate.com/lenders/northpoint-mortgage > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible NORTHPOINT MORTGAGE, INC. is a independent mortgage company, headquartered in STURBRIDGE, MA, serving borrowers across 13 states, with 1,137 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 64% of lenders for competitive rates - **Approval Rate:** Ranks in the top 27% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 549300JI0UWY4QIWDV89 - **Headquarters:** STURBRIDGE, MA - **Geographic Reach:** Multi-Region - **States Served:** 13 - **State List:** CT, FL, GA, MA, MD, ME, NC, NH, NJ, PA, RI, SC, VA - **Markets (MSAs):** 15 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Acceptable πŸ™‚ - Score: 36/100 - Rating: ●●○○○ (2/5) ### Pull Through: Strong πŸ˜€ - Score: 73/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.316% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $2,822 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 1,137 - **Dollar Volume:** $429 million - **Applications Received:** 1,473 - **Market Share:** 3.00% ## Typical Borrower Profile - **Average Loan Amount:** $377,357 - **Average Borrower Income:** $144,791 - **Average Property Value:** $480,699 ## Safe Rate Awards πŸ† - ⭐ **FHA Gold Superstar** (63%) - ⭐ **VA Gold Superstar** (63%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 67/100 | 812 | +0.324% | $2,822 | Strong πŸ˜€ | | FHA | 75/100 | 225 | +0.516% | $3,239 | Strong πŸ˜€ | | VA | 69/100 | 80 | -0.325% | $1,798 | Strong πŸ˜€ | | USDA | 74/100 | 15 | -0.232% | $1,798 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 736 loans, Score: 68/100 (Strong) - Refinance: 76 loans, Score: 56/100 (Sound) **FHA:** - Purchase: 211 loans, Score: 75/100 (Strong) **VA:** - Purchase: 76 loans, Score: 69/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 71/100 | 1,043 | $397M | +0.325% | Strong πŸ˜€ | | Refinance | 56/100 | 94 | $32M | +0.220% | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | MA | 307 | 0.51% | 76/100 | | ME | 263 | 1.71% | 81/100 | | FL | 232 | 0.08% | 66/100 | | NH | 171 | 1.10% | 78/100 | | CT | 107 | 0.31% | 67/100 | | RI | 32 | 0.30% | 56/100 | | MD | 13 | 0.02% | 40/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Orlando | FL | 176 | 75/100 | | Portland | ME | 162 | 84/100 | | Non | | 132 | 55/100 | | Springfield, MA | MA | 97 | 79/100 | | Worcester, MA | MA | 86 | 77/100 | | Hartford | CT | 80 | 68/100 | | Manchester | NH | 75 | 77/100 | | Cambridge | MA | 63 | 62/100 | | Providence | RI-MA | 47 | 61/100 | | Rockingham County | NH | 47 | 66/100 | | Boston, MA | MA | 29 | 53/100 | | Lewiston | ME | 29 | 64/100 | | Amherst Town | MA | 12 | 46/100 | | Deltona | FL | 12 | 43/100 | | Palm Bay | FL | 12 | 43/100 | ## Where This Lender Ranks NORTHPOINT MORTGAGE, INC. appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‰ **#3** in Portland for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#4** in Maine for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#5** in Portland for FHA Loans - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/fha-loans) - πŸ† **#5** in Portland for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#6** in Maine for FHA Loans - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/fha-loans) - πŸ† **#6** in Maine for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/mortgage-companies/usda-loans) - πŸ† **#7** in Maine for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#7** in Portland for VA Loans - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/va-loans) - πŸ† **#8** in Lewiston Mortgage Companies - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/mortgage-companies) - πŸ† **#8** in Lewiston for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#8** in Lewiston for VA Loans - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/va-loans) - πŸ† **#8** in Lewiston for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#9** in Maine for USDA Loans - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/usda-loans) - πŸ† **#9** in Springfield, MA for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#10** in Maine for VA Loans - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/va-loans) - πŸ† **#10** in Portland Mortgage Companies - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies) - πŸ† **#10** in Portland for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#10** in Springfield, MA for FHA Loans - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/fha-loans) - πŸ† **#10** in Lewiston for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#10** in Lewiston for FHA Loans - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/fha-loans) ## Frequently Asked Questions ### What loan types does NORTHPOINT MORTGAGE, INC. offer? NORTHPOINT MORTGAGE, INC. offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does NORTHPOINT MORTGAGE, INC. offer mortgages? NORTHPOINT MORTGAGE, INC. offers mortgages in 13 states: CT, FL, GA, MA, MD, ME, NC, NH, NJ, PA, RI, SC, VA. ### How competitive are NORTHPOINT MORTGAGE, INC.'s mortgage rates? NORTHPOINT MORTGAGE, INC. has a pricing score of 36/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.316% above market average. ### What type of lender is NORTHPOINT MORTGAGE, INC.? NORTHPOINT MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in STURBRIDGE, MA. ### What is NORTHPOINT MORTGAGE, INC.'s loan approval success rate? NORTHPOINT MORTGAGE, INC. has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/northpoint-mortgage ### How to Cite > "NORTHPOINT MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/northpoint-mortgage --- **[View Interactive Profile β†’](https://saferate.com/lenders/northpoint-mortgage)**