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We analyzed every closed loan from Northpoint Mortgage — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · USDA
Place
Strong
Multi-Region · 14 mkts
Safe Rate Awards⭐FHA Superstar⭐VA Superstar
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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
Explore another lender or local market
Report Card
Northpoint Mortgage, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +31.6 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Industry Standard Top 60% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional15 markets | |
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 |
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 |
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
States Served
13
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
CTFLGAMAMDMENCNHNJPARISCVA
Top Metro Areas by Place Specialization Score
1
Portland, MEMSA
Volume: 162Mix: 14.25%of portfolio
Place
Exceptional2
Springfield, MA, MAMSA
Volume: 97Mix: 8.53%of portfolio
Place
Strong3
Worcester, MA, MAMSA
Volume: 86Mix: 7.56%of portfolio
Place
Strong4
Manchester, NHMSA
Volume: 75Mix: 6.60%of portfolio
Place
Strong5
Orlando, FLMSA
Volume: 176Mix: 15.48%of portfolio
Place
Strong6
Hartford, CTMSA
Volume: 80Mix: 7.04%of portfolio
Place
Strong7
Rockingham County, NHMSA
Volume: 47Mix: 4.13%of portfolio
Place
Strong8
Lewiston, MEMSA
Volume: 29Mix: 2.55%of portfolio
Place
Strong9
Cambridge, MAMSA
Volume: 63Mix: 5.54%of portfolio
Place
Strong10
Providence, RI-MAMSA
Volume: 47Mix: 4.13%of portfolio
Place
StrongShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
MEState
Volume: 263Mix: 23.13%of portfolio
Place
Exceptional2
NHState
Volume: 171Mix: 15.04%of portfolio
Place
Strong3
MAState
Volume: 307Mix: 27.00%of portfolio
Place
Strong4
CTState
Volume: 107Mix: 9.41%of portfolio
Place
Strong5
FLState
Volume: 232Mix: 20.40%of portfolio
Place
Strong6
RIState
Volume: 32Mix: 2.81%of portfolio
Place
Sound7
MDState
Volume: 13Mix: 1.14%of portfolio
Place
SoundHow 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.