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Northpointe Bank
Bank|Grand Rapids, MI|National
Loans Originated
4,106
Applications
6,735
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.193%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,523
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
61.0%
Percentage of applications that result in closed loans
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
Report Card
Northpointe Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 49 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$402,450
Average Borrower Income
$177,740
Average Property Value
$534,396
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% | $2,355 |
FHA Loans | Strong | Exceptional | Sound | Strong | 825 | 20.1% | +0.365% | $3,124 |
VA Loans | Strong | Strong | Sound | Strong | 293 | 7.1% | -0.322% | $2,507 |
Jumbo Loans | Acceptable | Strong | Mediocre | Sound | 76 | 1.9% | +0.919% | $4,330 |
USDA Loans | Acceptable | Sound | N/A | Mediocre | 19 | 0.5% | +0.190% | $1,606 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Sound | 3,148 | 76.7% | +0.253% | $2,903 |
Refinance | Strong | Strong | Strong | Sound | 958 | 23.3% | +0.027% | $1,469 |
Geographic Coverage
Metro Areas
49
States Served
49
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNENHNJNMNVNYOHOKORPARISCTNTXUTVAVTWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Louisville/Jefferson County, KY, KY-INMSA
Volume: 700Mix: 17.05%
Place Specialization
Exceptional
2
Kahului, HIMSA
Volume: 55Mix: 1.34%
Place Specialization
Exceptional
3
Providence, RI-MAMSA
Volume: 216Mix: 5.26%
Place Specialization
Exceptional
4
Columbus, GA, GA-ALMSA
Volume: 84Mix: 2.05%
Place Specialization
Strong
5
Elizabethtown, KY, KYMSA
Volume: 52Mix: 1.27%
Place Specialization
Strong
6
Crestview, FLMSA
Volume: 62Mix: 1.51%
Place Specialization
Strong
7
Grand Rapids, MIMSA
Volume: 161Mix: 3.92%
Place Specialization
Strong
8
Denver, COMSA
Volume: 147Mix: 3.58%
Place Specialization
Strong
9
Lansing, MIMSA
Volume: 57Mix: 1.39%
Place Specialization
Strong
10
Charlotte, NC-SCMSA
Volume: 82Mix: 2.00%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
KYState
Volume: 801Mix: 19.51%
Place Specialization
Exceptional
2
RIState
Volume: 170Mix: 4.14%
Place Specialization
Strong
3
MIState
Volume: 332Mix: 8.09%
Place Specialization
Strong
4
COState
Volume: 272Mix: 6.62%
Place Specialization
Strong
5
GAState
Volume: 246Mix: 5.99%
Place Specialization
Strong
6
FLState
Volume: 393Mix: 9.57%
Place Specialization
Strong
7
HIState
Volume: 61Mix: 1.49%
Place Specialization
Strong
8
INState
Volume: 162Mix: 3.95%
Place Specialization
Strong
9
UTState
Volume: 111Mix: 2.70%
Place Specialization
Strong
10
ALState
Volume: 90Mix: 2.19%
Place Specialization
Strong
Showing 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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