# NORTHPOINT MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/northpoint-mortgage

> **📋 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 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- 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

## Safe Rate Awards 🏆

- ⭐ **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 😀 |
| FHA | 75/100 | 225 | +0.516% | $3,239 | Strong 😀 |
| VA | 69/100 | 80 | -0.325% | $1,798 | Strong 😀 |
| USDA | 74/100 | 15 | -0.232% | $1,798 | Strong 😀 |

### 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 😀 |
| 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 |

## 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.

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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:** 2026-05-29
**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

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