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We analyzed every closed loan from Northpointe Bank — 4.1k loans across 7k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
National · 49 mkts
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Refinance 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 Jumbo loans
- Nationwide availability with consistent service
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Report Card
Northpointe Bank performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +19.3 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,893 | 70.5% | +0.176%Above | $2,355Fees | ||||
FHA Loans | 825 | 20.1% | +0.365%Above | $3,124Fees | ||||
VA Loans | 293 | 7.1% | -0.322%Below | $2,507Fees | ||||
Jumbo Loans | 76 | 1.9% | +0.919%Above | $4,330Fees | ||||
USDA Loans | — | 19 | 0.5% | +0.190%Above | $1,606Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,148 | 76.7% | +0.253%Above | $2,903Fees | ||||
Refinance | 958 | 23.3% | +0.027%Above | $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
49
States Served
49
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNVNYOHOKORPARISCTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Louisville/Jefferson County, KY, KY-INMSA
Volume: 700Mix: 17.05%of portfolio
Place
Exceptional2
Kahului, HIMSA
Volume: 55Mix: 1.34%of portfolio
Place
Exceptional3
Providence, RI-MAMSA
Volume: 216Mix: 5.26%of portfolio
Place
Exceptional4
Columbus, GA, GA-ALMSA
Volume: 84Mix: 2.05%of portfolio
Place
Strong5
Elizabethtown, KY, KYMSA
Volume: 52Mix: 1.27%of portfolio
Place
Strong6
Crestview, FLMSA
Volume: 62Mix: 1.51%of portfolio
Place
Strong7
Grand Rapids, MIMSA
Volume: 161Mix: 3.92%of portfolio
Place
Strong8
Denver, COMSA
Volume: 147Mix: 3.58%of portfolio
Place
Strong9
Lansing, MIMSA
Volume: 57Mix: 1.39%of portfolio
Place
Strong10
Charlotte, NC-SCMSA
Volume: 82Mix: 2.00%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
KYState
Volume: 801Mix: 19.51%of portfolio
Place
Exceptional2
RIState
Volume: 170Mix: 4.14%of portfolio
Place
Strong3
MIState
Volume: 332Mix: 8.09%of portfolio
Place
Strong4
COState
Volume: 272Mix: 6.62%of portfolio
Place
Strong5
GAState
Volume: 246Mix: 5.99%of portfolio
Place
Strong6
FLState
Volume: 393Mix: 9.57%of portfolio
Place
Strong7
HIState
Volume: 61Mix: 1.49%of portfolio
Place
Strong8
INState
Volume: 162Mix: 3.95%of portfolio
Place
Strong9
UTState
Volume: 111Mix: 2.70%of portfolio
Place
Strong10
ALState
Volume: 90Mix: 2.19%of portfolio
Place
StrongShowing 10 of 34 states
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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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.