# Northpointe Bank

> **Canonical URL:** https://saferate.com/lenders/northpointe-bank


> **📋 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


Northpointe Bank is a bank, headquartered in Grand Rapids, MI, serving borrowers nationwide, with 4,106 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 53% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300UXY7OP0IC38293
- **Headquarters:** Grand Rapids, MI
- **Geographic Reach:** National
- **States Served:** 49
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.193%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,523
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,106
- **Dollar Volume:** $1.7 billion
- **Applications Received:** 6,735
- **Market Share:** 12.00%

## Typical Borrower Profile

- **Average Loan Amount:** $402,450
- **Average Borrower Income:** $177,740
- **Average Property Value:** $534,396

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 83/100 | 2,893 | +0.176% | $2,355 | Exceptional 🤩 |
| FHA | 82/100 | 825 | +0.365% | $3,124 | Exceptional 🤩 |
| VA | 80/100 | 293 | -0.322% | $2,507 | Strong 😀 |
| Jumbo | 73/100 | 76 | +0.919% | $4,330 | Strong 😀 |
| USDA | 51/100 | 19 | +0.190% | $1,606 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,093 loans, Score: 83/100 (Exceptional)
- Refinance: 800 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 711 loans, Score: 81/100 (Exceptional)
- Refinance: 114 loans, Score: 79/100 (Strong)

**VA:**
- Purchase: 263 loans, Score: 79/100 (Strong)
- Refinance: 30 loans, Score: 50/100 (Sound)

**Jumbo:**
- Purchase: 62 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 83/100 | 3,148 | $1.2B | +0.253% | Exceptional 🤩 |
| Refinance | 77/100 | 958 | $423M | +0.027% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 801 | 1.72% | 89/100 |
| FL | 393 | 0.13% | 67/100 |
| MI | 332 | 0.29% | 70/100 |
| CO | 272 | 0.33% | 70/100 |
| GA | 246 | 0.18% | 68/100 |
| CA | 196 | 0.07% | 60/100 |
| RI | 170 | 1.59% | 77/100 |
| NC | 163 | 0.11% | 61/100 |
| IN | 162 | 0.18% | 63/100 |
| UT | 111 | 0.25% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Louisville/Jefferson County, KY | KY-IN | 700 | 95/100 |
| Non |  | 403 | 66/100 |
| Providence | RI-MA | 216 | 80/100 |
| Grand Rapids | MI | 161 | 68/100 |
| Denver | CO | 147 | 66/100 |
| Columbus, GA | GA-AL | 84 | 76/100 |
| Charlotte | NC-SC | 82 | 62/100 |
| Atlanta | GA | 76 | 58/100 |
| Crestview | FL | 62 | 70/100 |
| Lansing | MI | 57 | 63/100 |
| West Palm Beach | FL | 57 | 60/100 |
| Kahului | HI | 55 | 92/100 |
| Nashville | TN | 54 | 57/100 |
| Elizabethtown, KY | KY | 52 | 73/100 |
| Salt Lake City | UT | 51 | 58/100 |

## Where This Lender Ranks

Northpointe Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Louisville/Jefferson County, KY for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Kahului Banks
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/banks)
- 🥇 **#1** in Grand Junction, CO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Merced, CA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Columbus, GA Banks
  - [View Full Rankings](https://saferate.com/columbus-ga/best-mortgage-lenders/banks)
- 🥈 **#2** in Columbus, GA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbus-ga/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Columbus, GA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/columbus-ga/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Crestview for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/crestview/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Hawaii for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Kahului for Conventional Loans
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Kahului for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kahului/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Elizabethtown, KY Banks
  - [View Full Rankings](https://saferate.com/elizabethtown-ky/best-mortgage-lenders/banks)
- 🥈 **#2** in Elizabethtown, KY for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/elizabethtown-ky/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Elizabethtown, KY for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/elizabethtown-ky/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Provo Banks
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/banks)
- 🥈 **#2** in Provo for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Provo for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Grand Junction, CO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Rhode Island for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Crestview for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/crestview/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Northpointe Bank offer?

Northpointe Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Northpointe Bank offer mortgages?

Northpointe Bank is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are Northpointe Bank's mortgage rates?

Northpointe Bank has a pricing score of 47/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.193% above market average.

### What type of lender is Northpointe Bank?

Northpointe Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Grand Rapids, MI.

### What is Northpointe Bank's loan approval success rate?

Northpointe Bank has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/northpointe-bank

### How to Cite

> "Northpointe Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/northpointe-bank

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