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 score and performance metrics.

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 an overall pricing score of 47.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Northpointe Bank?

Northpointe Bank is a Bank headquartered in Grand Rapids, MI.

Unclaimed

Northpointe Bank

Bank•Grand Rapids, MIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Northpointe Bank — 4.1k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo loans
Nationwide availability with consistent service

Explore another lender or local market

Report Card

Northpointe Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+19.3 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Sound	Strong	2,893	70.5%	+0.176%Above	$2,355Fees
FHA Loans	Strong	Exceptional	Sound	Strong	825	20.1%	+0.365%Above	$3,124Fees
VA Loans	Strong	Strong	Sound	Strong	293	7.1%	-0.322%Below	$2,507Fees
Jumbo Loans	Acceptable	Strong	Mediocre	Sound	76	1.9%	+0.919%Above	$4,330Fees
USDA Loans	Acceptable	Sound	—	Mediocre	19	0.5%	+0.190%Above	$1,606Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume2,893

Mix70.5%

Spread

+0.176%Above

Fees

$2,355Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume825

Mix20.1%

Spread

+0.365%Above

Fees

$3,124Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume293

Mix7.1%

Spread

-0.322%Below

Fees

$2,507Fees

Jumbo Loans

Overall

Acceptable

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume76

Mix1.9%

Spread

+0.919%Above

Fees

$4,330Fees

USDA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Mediocre

Volume19

Mix0.5%

Spread

+0.190%Above

Fees

$1,606Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Sound	3,148	76.7%	+0.253%Above	$2,903Fees
Refinance	Strong	Strong	Strong	Sound	958	23.3%	+0.027%Above	$1,469Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Sound

Volume3,148

Mix76.7%

Spread

+0.253%Above

Fees

$2,903Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Sound

Volume958

Mix23.3%

Spread

+0.027%Above

Fees

$1,469Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

4,106

Applications

6,735

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.193%

vs. market APOR

Avg Net Fees

$2,523

Origination − Credits

Pullthrough Rate

61.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$402,450

Avg Borrower Income

$177,740

Avg Property Value

$534,396

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

Midwest10

IAILINKSMIMNMONEOHWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West13

AKAZCACOHIIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Ken Lund · CC BY-SA 2.0

Louisville/Jefferson County, KY, KY-INMetro

Volume 700Mix 17.05% of portfolio

95/100

Exceptional

2© PaulT (Gunther Tschuch) · CC BY-SA 4.0

Kahului, HIMetro

Volume 55Mix 1.34% of portfolio

92/100

Exceptional

3© Macaolards · CC BY-SA 4.0

Providence, RI-MAMetro

Volume 216Mix 5.26% of portfolio

80/100

Exceptional

Columbus, GA, GA-ALMetro

Volume 84Mix 2.05% of portfolio

76/100

Strong

Elizabethtown, KYMetro

Volume 52Mix 1.27% of portfolio

73/100

Strong

Crestview, FLMetro

Volume 62Mix 1.51% of portfolio

70/100

Strong

Grand Rapids, MIMetro

Volume 161Mix 3.92% of portfolio

68/100

Strong

Denver, COMetro

Volume 147Mix 3.58% of portfolio

66/100

Strong

Lansing, MIMetro

Volume 57Mix 1.39% of portfolio

63/100

Strong

Charlotte, NC-SCMetro

Volume 82Mix 2.00% of portfolio

62/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

KentuckyState

Volume 801Mix 19.51% of portfolio

89/100

Exceptional

Rhode IslandState

Volume 170Mix 4.14% of portfolio

77/100

Strong

MichiganState

Volume 332Mix 8.09% of portfolio

70/100

Strong

ColoradoState

Volume 272Mix 6.62% of portfolio

70/100

Strong

GeorgiaState

Volume 246Mix 5.99% of portfolio

68/100

Strong

FloridaState

Volume 393Mix 9.57% of portfolio

67/100

Strong

HawaiiState

Volume 61Mix 1.49% of portfolio

64/100

Strong

IndianaState

Volume 162Mix 3.95% of portfolio

63/100

Strong

UtahState

Volume 111Mix 2.70% of portfolio

62/100

Strong

AlabamaState

Volume 90Mix 2.19% of portfolio

62/100

Strong

Showing 10 of 34 states

How 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.

Looking for a different lender?

Are you the owner of Northpointe Bank?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.