Northpoint Mortgage
We analyzed every closed loan from Northpoint Mortgage — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 14 mkts
Awards
FHA
Superstar
VA
Superstar
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
Explore another lender or local market
Report Card
Northpoint Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+31.6 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 15 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 812 | 71.4% | +0.324%Above | $2,822Fees | ||||
FHA Loans | 225 | 19.8% | +0.516%Above | $3,239Fees | ||||
VA Loans | 80 | 7.0% | -0.325%Below | $1,798Fees | ||||
USDA Loans | — | 15 | 1.3% | -0.232%Below | $1,798Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume812
Mix71.4%
Spread
+0.324%Above
Fees
$2,822Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume225
Mix19.8%
Spread
+0.516%Above
Fees
$3,239Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume80
Mix7.0%
Spread
-0.325%Below
Fees
$1,798Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume15
Mix1.3%
Spread
-0.232%Below
Fees
$1,798Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,043 | 91.7% | +0.325%Above | $2,786Fees | ||||
Refinance | 94 | 8.3% | +0.220%Above | $3,209Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,043
Mix91.7%
Spread
+0.325%Above
Fees
$2,786Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
Volume94
Mix8.3%
Spread
+0.220%Above
Fees
$3,209Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,137
Applications
1,473
Volume
$429 million
Pricing & Closing
Avg Rate Spread
+0.316%
vs. market APOR
Avg Net Fees
$2,822
Origination − Credits
Pullthrough Rate
77.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$377,357
Avg Borrower Income
$144,791
Avg Property Value
$480,699
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Northeast7
CTMEMANHNJPARI
South6
FLGAMDNCSCVA
Top Metro Areas by Place Specialization Score
Volume 162Mix 14.25% of portfolio
84/100
Exceptional
Volume 97Mix 8.53% of portfolio
79/100
Strong
Volume 86Mix 7.56% of portfolio
77/100
Strong
Volume 75Mix 6.60% of portfolio
77/100
Strong
Volume 176Mix 15.48% of portfolio
75/100
Strong
Volume 80Mix 7.04% of portfolio
68/100
Strong
Volume 47Mix 4.13% of portfolio
66/100
Strong
Volume 29Mix 2.55% of portfolio
64/100
Strong
Volume 63Mix 5.54% of portfolio
62/100
Strong
Volume 47Mix 4.13% of portfolio
61/100
StrongShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
MaineState
Volume 263Mix 23.13% of portfolio
81/100
Exceptional2
New HampshireState
Volume 171Mix 15.04% of portfolio
78/100
Strong3
MassachusettsState
Volume 307Mix 27.00% of portfolio
76/100
Strong4
ConnecticutState
Volume 107Mix 9.41% of portfolio
67/100
Strong5
FloridaState
Volume 232Mix 20.40% of portfolio
66/100
Strong6
Rhode IslandState
Volume 32Mix 2.81% of portfolio
56/100
Sound7
MarylandState
Volume 13Mix 1.14% of portfolio
40/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.