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NORTHPOINT MORTGAGE, INC.
Independent Mortgage Company|STURBRIDGE, MA|Multi-Region
Loans Originated
1,137
Applications
1,473
Volume
$429 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.316%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,822
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
Report Card
NORTHPOINT MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 15 metro areas · 13 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$377,357
Average Borrower Income
$144,791
Average Property Value
$480,699
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Strong | 812 | 71.4% | +0.324% | $2,822 |
FHA Loans | Strong | Strong | Sound | Strong | 225 | 19.8% | +0.516% | $3,239 |
VA Loans | Strong | Strong | Sound | Strong | 80 | 7.0% | -0.325% | $1,798 |
USDA Loans | Strong | Strong | N/A | Strong | 15 | 1.3% | -0.232% | $1,798 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 1,043 | 91.7% | +0.325% | $2,786 |
Refinance | Sound | Sound | Sound | Strong | 94 | 8.3% | +0.220% | $3,209 |
Geographic Coverage
Metro Areas
14
States Served
13
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CTFLGAMAMDMENCNHNJPARISCVA
Top Metro Areas by Place Specialization Score
1
Portland, MEMSA
Volume: 162Mix: 14.25%
Place Specialization
Exceptional
2
Springfield, MA, MAMSA
Volume: 97Mix: 8.53%
Place Specialization
Strong
3
Worcester, MA, MAMSA
Volume: 86Mix: 7.56%
Place Specialization
Strong
4
Manchester, NHMSA
Volume: 75Mix: 6.60%
Place Specialization
Strong
5
Orlando, FLMSA
Volume: 176Mix: 15.48%
Place Specialization
Strong
6
Hartford, CTMSA
Volume: 80Mix: 7.04%
Place Specialization
Strong
7
Rockingham County, NHMSA
Volume: 47Mix: 4.13%
Place Specialization
Strong
8
Lewiston, MEMSA
Volume: 29Mix: 2.55%
Place Specialization
Strong
9
Cambridge, MAMSA
Volume: 63Mix: 5.54%
Place Specialization
Strong
10
Providence, RI-MAMSA
Volume: 47Mix: 4.13%
Place Specialization
Strong
Showing 10 of 14 metro areas
Top States by Place Specialization Score
1
MEState
Volume: 263Mix: 23.13%
Place Specialization
Exceptional
2
NHState
Volume: 171Mix: 15.04%
Place Specialization
Strong
3
MAState
Volume: 307Mix: 27.00%
Place Specialization
Strong
4
CTState
Volume: 107Mix: 9.41%
Place Specialization
Strong
5
FLState
Volume: 232Mix: 20.40%
Place Specialization
Strong
6
RIState
Volume: 32Mix: 2.81%
Place Specialization
Sound
7
MDState
Volume: 13Mix: 1.14%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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