Northpointe Bank Mortgage Rates, Fees & Info

Grand Rapids, MI

LEI: 549300UXY7OP0IC38293

Tax ID: 38-3448372

2020 Data | 2019 Data | 2018 Data


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Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Product Mix
  • Loan Reason
  • Top Markets
  • Typical Rates
  • Loan Sizes
  • Lien Type
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees
  • Dwelling Types

    • Bank Data *NEW*

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Overview

    Northpointe Bank is a mid-sized bank specializing in Refi and Home Purchase loans. Northpointe Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Atlanta, Denver, Colorado Springs, Grand Rapids, and Providence among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Northpointe Bank is typically an average fee lendor.


    Originations

    26,127

    Origination Dollar Volume (All Markets)

    $7,471,415,000

    Employee count

    1,040

    Relative Rate

    Northpointe Bank's average 30 year fixed rate mortgage was 3.39%.

    The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

    This yields a difference of 0.03%.

    Relative Fees

    Northpointe Bank's average total fees for a 30 year fixed rate mortgage are $4,629.

    The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional 21,768 $6,269,950,000 $288,035 $3,817 3.17%
    FHA 2,491 $626,315,000 $251,431 $8,898 3.32%
    VA 1,585 $523,555,000 $330,319 $6,181 3.02%
    USDA 283 $51,595,000 $182,314 $5,575 3.18%

    For the 2020 period, Northpointe Bank's most frequently originated loan type was Conventional, with 21,768 originations. Their 2nd most popular type is FHA, with 2,491 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Refi 11,357 $3,309,585,000 $291,414 $3,420 3.02%
    Home Purchase 10,160 $2,856,100,000 $281,112 $5,885 3.32%
    Cash Out Refi 4,610 $1,305,730,000 $283,239 $4,185 3.23%

    For the 2020, Northpointe Bank's most frequently cited loan purpose was Refi, with 11,357 originations. The 2nd most popular reason was Home Purchase, with 10,160 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 20,561 $6,018,745,000 $292,726 $4,860 3.29%
    15 Year 4,029 $1,035,085,000 $256,909 $3,127 2.65%
    20 Year 877 $240,485,000 $274,213 $3,440 3.08%
    Other 464 $135,480,000 $291,983 $3,286 3.13%
    10 Year 191 $37,475,000 $196,204 $2,843 2.50%
    30+ year 3 $3,655,000 $1,218,333 $13,126 3.50%
    1 Year 1 $325,000 $325,000 $9,091 3.63%
    3 Year 1 $165,000 $165,000 $0 6.50%

    For the 2020, Northpointe Bank's most frequently cited loan length was 30 Year, with 20,561 originations. The 2nd most popular length was 15 Year, with 4,029 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $1k-2k 11,369 $3,218,885,000 $283,128
    $<1k 7,111 $1,947,305,000 $273,844
    $2k-3k 2,466 $680,430,000 $275,925
    $3k-4k 2,446 $786,130,000 $321,394
    $5k+ 1,124 $520,400,000 $462,989

    $4,629 was Northpointe Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 11,369 originations.

    Top Markets

    Market Originations Total Value Average Loan Average Fees Average Rate
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 2,191 $719,715,000 $328,487 $4,172 3.19%
    DENVER-AURORA-LAKEWOOD, CO 1,785 $620,555,000 $347,650 $5,286 3.31%
    COLORADO SPRINGS, CO 1,329 $442,335,000 $332,833 $5,362 3.21%
    Outside of Metro Areas 1,595 $383,085,000 $240,179 $4,183 3.18%
    GRAND RAPIDS-KENTWOOD, MI 1,541 $360,565,000 $233,981 $3,160 3.09%
    PROVIDENCE-WARWICK, RI-MA 1,170 $314,040,000 $268,410 $5,168 3.23%
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 465 $180,575,000 $388,333 $3,441 2.96%
    NEWARK, NJ-PA 479 $171,315,000 $357,651 $6,919 3.09%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC 503 $128,335,000 $255,139 $4,084 3.25%
    NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 325 $125,565,000 $386,354 $7,588 3.17%
    SALT LAKE CITY, UT 329 $121,805,000 $370,228 $6,555 3.17%
    HARRISBURG-CARLISLE, PA 536 $117,840,000 $219,851 $5,055 3.09%
    WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 365 $107,635,000 $294,890 $4,787 3.08%
    INDIANAPOLIS-CARMEL-ANDERSON, IN 478 $106,520,000 $222,845 $3,029 3.36%
    CHICAGO-NAPERVILLE-EVANSTON, IL 361 $102,555,000 $284,086 $2,819 3.08%
    NEW BRUNSWICK-LAKEWOOD, NJ 260 $90,420,000 $347,769 $5,811 3.06%
    READING, PA 471 $89,135,000 $189,246 $5,626 3.23%
    GRAND JUNCTION, CO 320 $80,750,000 $252,344 $5,037 3.20%
    SAN ANTONIO-NEW BRAUNFELS, TX 292 $79,950,000 $273,801 $6,150 3.21%
    NORTH PORT-SARASOTA-BRADENTON, FL 220 $75,630,000 $343,773 $4,972 3.24%
    PHOENIX-MESA-CHANDLER, AZ 253 $75,235,000 $297,372 $3,488 3.10%
    FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 248 $74,970,000 $302,298 $5,509 3.22%
    RENO, NV 225 $70,685,000 $314,156 $4,658 3.14%
    CHARLESTON-NORTH CHARLESTON, SC 253 $69,785,000 $275,830 $3,949 3.19%
    LOS ANGELES-LONG BEACH-GLENDALE, CA 166 $68,860,000 $414,819 $3,246 3.11%
    CAPE CORAL-FORT MYERS, FL 236 $65,720,000 $278,475 $4,765 3.30%
    WARREN-TROY-FARMINGTON HILLS, MI 237 $63,795,000 $269,177 $2,806 3.08%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA 195 $61,085,000 $313,256 $4,743 3.10%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 203 $60,955,000 $300,271 $4,093 3.02%
    SEATTLE-BELLEVUE-KENT, WA 130 $53,960,000 $415,077 $4,568 3.21%
    ANAHEIM-SANTA ANA-IRVINE, CA 127 $53,275,000 $419,488 $3,589 3.07%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN 260 $52,940,000 $203,615 $3,581 3.24%
    BIRMINGHAM-HOOVER, AL 270 $50,750,000 $187,963 $5,306 3.40%
    LAS VEGAS-HENDERSON-PARADISE, NV 162 $47,940,000 $295,926 $3,698 3.15%
    CAMDEN, NJ 213 $46,705,000 $219,272 $4,104 3.03%
    LEXINGTON-FAYETTE, KY 238 $46,680,000 $196,134 $3,396 3.14%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA 115 $46,105,000 $400,913 $3,315 3.00%
    BOSTON, MA 124 $46,100,000 $371,774 $4,522 3.10%
    RALEIGH-CARY, NC 151 $45,155,000 $299,040 $3,123 2.93%
    MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 149 $44,735,000 $300,235 $5,882 3.15%
    YORK-HANOVER, PA 196 $42,080,000 $214,694 $5,378 3.06%
    DALLAS-PLANO-IRVING, TX 144 $40,420,000 $280,694 $4,849 3.02%
    KALAMAZOO-PORTAGE, MI 151 $39,775,000 $263,411 $2,899 3.08%
    BALTIMORE-COLUMBIA-TOWSON, MD 114 $39,680,000 $348,070 $3,444 2.90%
    OGDEN-CLEARFIELD, UT 126 $38,320,000 $304,127 $5,060 3.16%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 131 $38,125,000 $291,031 $2,802 2.94%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX 125 $37,545,000 $300,360 $5,213 3.03%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL 122 $36,470,000 $298,934 $4,464 3.08%
    CAMBRIDGE-NEWTON-FRAMINGHAM, MA 97 $36,405,000 $375,309 $4,642 3.13%
    WILMINGTON, DE-MD-NJ 142 $35,870,000 $252,606 $5,104 3.14%
    NAPLES-MARCO ISLAND, FL 111 $35,735,000 $321,937 $5,307 3.27%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 107 $34,205,000 $319,673 $3,601 3.21%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA 93 $31,915,000 $343,172 $3,304 3.10%
    GREELEY, CO 96 $30,810,000 $320,938 $5,746 3.36%
    MIAMI-MIAMI BEACH-KENDALL, FL 94 $30,270,000 $322,021 $7,113 3.36%
    PORT ST. LUCIE, FL 111 $30,095,000 $271,126 $5,134 3.07%
    OAKLAND-BERKELEY-LIVERMORE, CA 71 $29,725,000 $418,662 $3,410 2.97%
    COLUMBUS, OH 123 $29,285,000 $238,089 $4,370 3.20%
    FREDERICK-GAITHERSBURG-ROCKVILLE, MD 73 $28,995,000 $397,192 $3,726 2.92%
    CINCINNATI, OH-KY-IN 119 $28,965,000 $243,403 $3,764 3.16%
    ORLANDO-KISSIMMEE-SANFORD, FL 100 $27,860,000 $278,600 $4,582 3.21%
    WILMINGTON, NC 105 $27,545,000 $262,333 $3,626 3.09%
    SPOKANE-SPOKANE VALLEY, WA 107 $27,315,000 $255,280 $5,084 3.18%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX 97 $26,105,000 $269,124 $5,125 3.36%
    SPRINGFIELD, MO 138 $25,500,000 $184,783 $2,356 2.88%
    WORCESTER, MA-CT 80 $22,720,000 $284,000 $4,981 3.09%
    SALISBURY, MD-DE 84 $22,460,000 $267,381 $4,576 3.01%
    PROVO-OREM, UT 73 $22,455,000 $307,603 $5,139 3.13%
    DOVER, DE 104 $22,450,000 $215,865 $5,496 3.23%
    FORT WORTH-ARLINGTON-GRAPEVINE, TX 89 $21,675,000 $243,539 $5,260 3.07%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 79 $21,625,000 $273,734 $4,418 3.08%
    LAKE COUNTY-KENOSHA COUNTY, IL-WI 62 $18,730,000 $302,097 $2,577 3.09%
    JACKSONVILLE, FL 59 $18,725,000 $317,373 $4,347 3.20%
    LANSING-EAST LANSING, MI 111 $18,665,000 $168,153 $3,213 3.29%
    CHAMBERSBURG-WAYNESBORO, PA 92 $16,980,000 $184,565 $5,027 3.18%
    PUEBLO, CO 77 $16,935,000 $219,935 $5,716 3.25%
    DETROIT-DEARBORN-LIVONIA, MI 67 $16,175,000 $241,418 $2,947 3.33%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 67 $15,785,000 $235,597 $3,518 3.20%
    MUSKEGON, MI 84 $15,530,000 $184,881 $3,152 3.23%
    CLEVELAND-ELYRIA, OH 94 $15,100,000 $160,638 $3,677 3.77%
    BOULDER, CO 38 $14,980,000 $394,211 $4,570 3.14%
    NASSAU COUNTY-SUFFOLK COUNTY, NY 31 $14,505,000 $467,903 $7,258 3.03%
    PHILADELPHIA, PA 57 $14,475,000 $253,947 $5,166 3.04%
    FORT COLLINS, CO 41 $13,945,000 $340,122 $5,032 3.24%
    LANCASTER, PA 62 $13,530,000 $218,226 $5,312 3.01%
    HILTON HEAD ISLAND-BLUFFTON, SC 54 $13,250,000 $245,370 $4,821 3.27%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA 29 $12,455,000 $429,483 $2,731 2.85%
    BOISE CITY, ID 35 $12,135,000 $346,714 $3,959 3.14%
    RICHMOND, VA 42 $12,010,000 $285,952 $3,898 3.01%
    SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 21 $11,655,000 $555,000 $3,016 3.29%
    GREENVILLE-ANDERSON, SC 44 $11,280,000 $256,364 $3,110 3.02%
    STOCKTON, CA 34 $10,710,000 $315,000 $3,950 3.37%
    KANSAS CITY, MO-KS 39 $10,555,000 $270,641 $3,205 3.18%
    GAINESVILLE, GA 35 $10,465,000 $299,000 $3,407 3.16%
    ST. LOUIS, MO-IL 71 $10,235,000 $144,155 $3,081 3.78%
    OCALA, FL 47 $9,855,000 $209,681 $4,250 3.40%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 43 $9,775,000 $227,326 $5,685 3.24%
    MEMPHIS, TN-MS-AR 57 $9,715,000 $170,439 $4,011 3.97%
    COEUR D'ALENE, ID 32 $9,620,000 $300,625 $3,756 3.23%
    BRIDGEPORT-STAMFORD-NORWALK, CT 29 $9,225,000 $318,103 $4,171 3.26%
    ELGIN, IL 34 $9,220,000 $271,176 $3,484 3.03%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 28 $9,180,000 $327,857 $4,592 3.23%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 31 $8,745,000 $282,097 $3,293 3.12%
    TACOMA-LAKEWOOD, WA 26 $8,720,000 $335,385 $4,326 3.22%
    FORT WAYNE, IN 39 $8,505,000 $218,077 $3,022 3.16%
    CLARKSVILLE, TN-KY 36 $8,280,000 $230,000 $6,029 2.92%
    PITTSBURGH, PA 29 $8,185,000 $282,241 $5,718 3.21%
    TUCSON, AZ 34 $8,030,000 $236,176 $3,430 3.09%
    HICKORY-LENOIR-MORGANTON, NC 33 $7,835,000 $237,424 $4,426 3.24%
    ALBUQUERQUE, NM 32 $7,810,000 $244,063 $3,939 3.13%
    LOGAN, UT-ID 32 $7,530,000 $235,313 $4,181 2.97%
    ANN ARBOR, MI 27 $7,495,000 $277,593 $2,567 2.99%
    OXNARD-THOUSAND OAKS-VENTURA, CA 19 $7,265,000 $382,368 $5,342 3.16%
    WINSTON-SALEM, NC 31 $7,245,000 $233,710 $3,756 3.08%
    LEBANON, PA 33 $7,125,000 $215,909 $5,148 3.05%
    SAN LUIS OBISPO-PASO ROBLES, CA 16 $6,980,000 $436,250 $5,139 3.24%
    DURHAM-CHAPEL HILL, NC 24 $6,890,000 $287,083 $3,269 2.98%
    ASHEVILLE, NC 24 $6,860,000 $285,833 $3,255 3.08%
    GREENVILLE, NC 31 $6,765,000 $218,226 $3,589 3.24%
    SANTA CRUZ-WATSONVILLE, CA 14 $6,590,000 $470,714 $2,607 3.09%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA 19 $6,555,000 $345,000 $3,069 3.09%
    PUNTA GORDA, FL 23 $6,545,000 $284,565 $5,717 3.33%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 26 $6,520,000 $250,769 $4,215 2.79%
    CHARLOTTESVILLE, VA 18 $6,380,000 $354,444 $3,919 3.08%
    COLUMBIA, SC 27 $6,275,000 $232,407 $3,378 3.02%
    SANTA ROSA-PETALUMA, CA 14 $6,260,000 $447,143 $4,139 3.09%
    SANTA MARIA-SANTA BARBARA, CA 12 $6,230,000 $519,167 $3,195 3.30%
    GETTYSBURG, PA 27 $6,175,000 $228,704 $5,314 3.18%
    NEW ORLEANS-METAIRIE, LA 25 $6,115,000 $244,600 $5,420 3.02%
    FRESNO, CA 17 $6,065,000 $356,765 $4,087 3.18%
    BARNSTABLE TOWN, MA 20 $6,030,000 $301,500 $4,745 3.10%
    FAYETTEVILLE, NC 25 $5,875,000 $235,000 $5,920 3.08%
    OCEAN CITY, NJ 17 $5,795,000 $340,882 $5,087 3.03%
    PALM BAY-MELBOURNE-TITUSVILLE, FL 21 $5,705,000 $271,667 $4,288 3.14%
    FLINT, MI 29 $5,685,000 $196,034 $2,666 3.28%
    GREENSBORO-HIGH POINT, NC 21 $5,605,000 $266,905 $3,900 2.96%
    PORTLAND-SOUTH PORTLAND, ME 18 $5,430,000 $301,667 $3,433 3.06%
    TRENTON-PRINCETON, NJ 20 $5,290,000 $264,500 $3,468 3.18%
    MILWAUKEE-WAUKESHA, WI 27 $5,265,000 $195,000 $2,854 3.66%
    CHATTANOOGA, TN-GA 19 $4,805,000 $252,895 $4,472 3.05%
    ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 15 $4,785,000 $319,000 $3,406 3.03%
    ATHENS-CLARKE COUNTY, GA 13 $4,575,000 $351,923 $4,057 2.99%
    SAVANNAH, GA 16 $4,570,000 $285,625 $4,501 3.47%
    AUGUSTA-RICHMOND COUNTY, GA-SC 25 $4,485,000 $179,400 $5,132 3.57%
    GARY, IN 29 $4,465,000 $153,966 $2,439 3.83%
    SALEM, OR 15 $4,325,000 $288,333 $4,247 3.06%
    MANCHESTER-NASHUA, NH 14 $4,270,000 $305,000 $3,488 2.96%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR 15 $3,975,000 $265,000 $3,435 3.27%
    DES MOINES-WEST DES MOINES, IA 18 $3,970,000 $220,556 $3,164 2.81%
    VISALIA, CA 14 $3,960,000 $282,857 $2,911 3.21%
    OMAHA-COUNCIL BLUFFS, NE-IA 17 $3,845,000 $226,176 $3,128 2.75%
    AKRON, OH 19 $3,785,000 $199,211 $3,212 3.28%
    DAYTON-KETTERING, OH 16 $3,780,000 $236,250 $4,562 3.27%
    ATLANTIC CITY-HAMMONTON, NJ 17 $3,615,000 $212,647 $4,406 3.22%
    BEND, OR 10 $3,580,000 $358,000 $7,021 3.00%
    BLOOMINGTON, IN 17 $3,565,000 $209,706 $3,114 3.46%
    HUNTSVILLE, AL 18 $3,540,000 $196,667 $2,975 3.30%
    LAKELAND-WINTER HAVEN, FL 11 $3,515,000 $319,545 $9,729 3.88%
    ST. GEORGE, UT 11 $3,495,000 $317,727 $3,195 3.47%
    PRESCOTT VALLEY-PRESCOTT, AZ 12 $3,350,000 $279,167 $2,985 3.25%
    TUSCALOOSA, AL 15 $3,325,000 $221,667 $5,009 3.33%
    URBAN HONOLULU, HI 7 $3,295,000 $470,714 $4,420 2.98%
    KNOXVILLE, TN 12 $3,280,000 $273,333 $3,878 3.26%
    KILLEEN-TEMPLE, TX 15 $3,265,000 $217,667 $4,608 2.77%
    SHERMAN-DENISON, TX 11 $3,245,000 $295,000 $3,833 3.00%
    SPARTANBURG, SC 13 $3,195,000 $245,769 $4,166 3.16%
    MADISON, WI 11 $3,185,000 $289,545 $2,339 3.00%
    IOWA CITY, IA 14 $3,170,000 $226,429 $2,835 3.00%
    OLYMPIA-LACEY-TUMWATER, WA 10 $3,120,000 $312,000 $3,322 2.96%
    SAN RAFAEL, CA 6 $3,010,000 $501,667 $2,583 3.15%
    SANTA FE, NM 9 $2,965,000 $329,444 $4,002 3.07%
    CORPUS CHRISTI, TX 9 $2,925,000 $325,000 $5,032 3.07%
    MONTGOMERY, AL 20 $2,830,000 $141,500 $3,845 3.81%
    JACKSON, MI 18 $2,790,000 $155,000 $3,532 3.27%
    HAGERSTOWN-MARTINSBURG, MD-WV 12 $2,740,000 $228,333 $4,285 3.15%
    DAPHNE-FAIRHOPE-FOLEY, AL 12 $2,730,000 $227,500 $3,366 3.18%
    MISSOULA, MT 8 $2,650,000 $331,250 $4,161 3.12%
    PENSACOLA-FERRY PASS-BRENT, FL 10 $2,650,000 $265,000 $3,962 3.06%
    LONGVIEW, WA 4 $2,610,000 $652,500 $7,464 3.31%
    GAINESVILLE, FL 9 $2,585,000 $287,222 $5,233 3.10%
    MEDFORD, OR 5 $2,575,000 $515,000 $12,208 3.45%
    SPRINGFIELD, MA 11 $2,545,000 $231,364 $4,194 2.96%
    NORWICH-NEW LONDON, CT 10 $2,530,000 $253,000 $5,497 3.13%
    THE VILLAGES, FL 11 $2,495,000 $226,818 $3,551 2.89%
    KENNEWICK-RICHLAND, WA 9 $2,355,000 $261,667 $3,636 2.72%
    TOLEDO, OH 11 $2,345,000 $213,182 $5,054 3.56%
    JOPLIN, MO 13 $2,285,000 $175,769 $2,452 2.92%
    BAKERSFIELD, CA 8 $2,270,000 $283,750 $2,925 3.15%
    SEBASTIAN-VERO BEACH, FL 6 $2,180,000 $363,333 $9,355 2.75%
    OKLAHOMA CITY, OK 10 $2,160,000 $216,000 $4,555 2.94%
    VALLEJO, CA 6 $2,150,000 $358,333 $3,514 3.04%
    SOUTH BEND-MISHAWAKA, IN-MI 20 $2,060,000 $103,000 $2,697 4.11%
    LAKE HAVASU CITY-KINGMAN, AZ 7 $2,045,000 $292,143 $3,572 3.70%
    POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 8 $2,020,000 $252,500 $6,803 3.02%
    JACKSON, MS 13 $1,985,000 $152,692 $2,138 4.27%
    CARSON CITY, NV 6 $1,890,000 $315,000 $7,947 2.85%
    FLAGSTAFF, AZ 8 $1,860,000 $232,500 $3,037 3.27%
    NEW HAVEN-MILFORD, CT 8 $1,800,000 $225,000 $4,434 3.56%
    BRUNSWICK, GA 5 $1,795,000 $359,000 $3,905 2.93%
    MOBILE, AL 13 $1,765,000 $135,769 $3,416 3.88%
    BATON ROUGE, LA 6 $1,710,000 $285,000 $4,457 3.00%
    NILES, MI 8 $1,670,000 $208,750 $2,502 2.95%
    HINESVILLE, GA 9 $1,655,000 $183,889 $5,834 2.81%
    MODESTO, CA 7 $1,645,000 $235,000 $2,212 3.34%
    LINCOLN, NE 6 $1,620,000 $270,000 $2,964 3.33%
    EAST STROUDSBURG, PA 7 $1,545,000 $220,714 $5,041 3.06%
    ROANOKE, VA 6 $1,540,000 $256,667 $2,706 2.83%
    CANTON-MASSILLON, OH 7 $1,515,000 $216,429 $3,605 3.08%
    PANAMA CITY, FL 5 $1,515,000 $303,000 $6,380 3.13%
    FLORENCE, SC 6 $1,500,000 $250,000 $4,205 2.92%
    FLORENCE-MUSCLE SHOALS, AL 8 $1,500,000 $187,500 $3,495 3.20%
    CALIFORNIA-LEXINGTON PARK, MD 5 $1,495,000 $299,000 $2,614 3.30%
    BELLINGHAM, WA 6 $1,480,000 $246,667 $2,438 2.73%
    GULFPORT-BILOXI, MS 8 $1,430,000 $178,750 $2,586 3.39%
    COLLEGE STATION-BRYAN, TX 4 $1,370,000 $342,500 $5,478 2.91%
    APPLETON, WI 5 $1,345,000 $269,000 $5,572 3.16%
    COLUMBUS, GA-AL 7 $1,345,000 $192,143 $3,599 3.68%
    TYLER, TX 6 $1,320,000 $220,000 $4,131 3.51%
    NAPA, CA 3 $1,305,000 $435,000 $2,984 3.08%
    BUFFALO-CHEEKTOWAGA, NY 5 $1,305,000 $261,000 $4,127 3.04%
    SALINAS, CA 4 $1,300,000 $325,000 $4,040 3.47%
    HOMOSASSA SPRINGS, FL 6 $1,270,000 $211,667 $4,516 3.59%
    JACKSONVILLE, NC 8 $1,260,000 $157,500 $3,519 3.62%
    MIDLAND, TX 3 $1,255,000 $418,333 $13,846 3.03%
    MONROE, MI 7 $1,235,000 $176,429 $2,901 3.09%
    MACON-BIBB COUNTY, GA 6 $1,230,000 $205,000 $4,881 3.22%
    TULSA, OK 7 $1,215,000 $173,571 $6,386 3.29%
    WINCHESTER, VA-WV 4 $1,210,000 $302,500 $2,628 2.71%
    EVANSVILLE, IN-KY 7 $1,205,000 $172,143 $2,572 3.48%
    WARNER ROBINS, GA 6 $1,150,000 $191,667 $4,631 2.88%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 6 $1,140,000 $190,000 $3,124 3.51%
    SAGINAW, MI 6 $1,100,000 $183,333 $2,867 3.20%
    EUGENE-SPRINGFIELD, OR 3 $1,085,000 $361,667 $5,322 2.92%
    STATE COLLEGE, PA 5 $1,075,000 $215,000 $4,910 2.60%
    AUBURN-OPELIKA, AL 4 $1,070,000 $267,500 $4,236 2.99%
    GREEN BAY, WI 4 $1,030,000 $257,500 $2,359 3.86%
    CLEVELAND, TN 5 $1,015,000 $203,000 $3,708 2.80%
    ST. CLOUD, MN 3 $1,015,000 $338,333 $2,859 2.92%
    MERCED, CA 4 $1,010,000 $252,500 $3,310 3.59%
    PITTSFIELD, MA 3 $1,005,000 $335,000 $3,623 2.96%
    EL PASO, TX 6 $990,000 $165,000 $2,847 2.71%
    ROME, GA 4 $990,000 $247,500 $4,548 3.41%
    HOT SPRINGS, AR 3 $965,000 $321,667 $3,988 2.82%
    CHICO, CA 3 $955,000 $318,333 $2,008 3.21%
    SCRANTON--WILKES-BARRE, PA 6 $910,000 $151,667 $4,498 3.22%
    BROWNSVILLE-HARLINGEN, TX 4 $900,000 $225,000 $4,575 3.72%
    ROCHESTER, NY 4 $880,000 $220,000 $4,193 2.84%
    ALBANY-SCHENECTADY-TROY, NY 4 $870,000 $217,500 $4,872 3.34%
    BECKLEY, WV 2 $860,000 $430,000 $3,747 2.75%
    TALLAHASSEE, FL 3 $845,000 $281,667 $11,946 3.11%
    BLACKSBURG-CHRISTIANSBURG, VA 3 $845,000 $281,667 $2,881 3.04%
    REDDING, CA 3 $835,000 $278,333 $2,472 3.11%
    BATTLE CREEK, MI 6 $810,000 $135,000 $3,428 3.00%
    TERRE HAUTE, IN 4 $810,000 $202,500 $3,272 3.33%
    NEW BERN, NC 3 $805,000 $268,333 $2,709 2.96%
    LYNCHBURG, VA 3 $805,000 $268,333 $2,897 3.00%
    BURLINGTON, NC 6 $790,000 $131,667 $2,997 2.78%
    SHREVEPORT-BOSSIER CITY, LA 4 $750,000 $187,500 $3,016 2.88%
    HOUMA-THIBODAUX, LA 4 $740,000 $185,000 $3,892 3.00%
    SEBRING-AVON PARK, FL 3 $735,000 $245,000 $4,066 5.00%
    YAKIMA, WA 3 $735,000 $245,000 $6,513 3.17%
    SPRINGFIELD, OH 3 $715,000 $238,333 $6,024 2.96%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 3 $695,000 $231,667 $2,521 2.96%
    YUBA CITY, CA 3 $695,000 $231,667 $3,945 2.98%
    VALDOSTA, GA 4 $690,000 $172,500 $5,856 3.16%
    CAPE GIRARDEAU, MO-IL 2 $680,000 $340,000 $2,264 3.06%
    ANNISTON-OXFORD, AL 3 $675,000 $225,000 $4,455 2.88%
    MOUNT VERNON-ANACORTES, WA 2 $650,000 $325,000 $10,604 3.06%
    MICHIGAN CITY-LA PORTE, IN 3 $645,000 $215,000 $2,974 3.21%
    MIDLAND, MI 4 $640,000 $160,000 $2,340 2.99%
    KINGSTON, NY 2 $630,000 $315,000 $3,980 2.88%
    CHARLESTON, WV 3 $625,000 $208,333 $3,094 2.75%
    IDAHO FALLS, ID 2 $610,000 $305,000 $4,670 3.19%
    HATTIESBURG, MS 2 $600,000 $300,000 $3,024 2.69%
    ELIZABETHTOWN-FORT KNOX, KY 3 $595,000 $198,333 $6,268 3.54%
    STAUNTON, VA 2 $590,000 $295,000 $3,419 3.06%
    LAFAYETTE-WEST LAFAYETTE, IN 3 $575,000 $191,667 $2,308 3.04%
    MANKATO, MN 2 $570,000 $285,000 $2,499 3.31%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 3 $565,000 $188,333 $5,174 2.92%
    CORVALLIS, OR 2 $560,000 $280,000 $3,259 3.00%
    ANCHORAGE, AK 2 $550,000 $275,000 $2,524 3.06%
    ROCKFORD, IL 4 $540,000 $135,000 $3,448 3.38%
    KAHULUI-WAILUKU-LAHAINA, HI 1 $535,000 $535,000 $3,351 3.00%
    COLUMBUS, IN 3 $525,000 $175,000 $2,520 2.73%
    LIMA, OH 2 $510,000 $255,000 $3,830 2.69%
    BAY CITY, MI 3 $505,000 $168,333 $2,420 2.67%
    BOWLING GREEN, KY 3 $505,000 $168,333 $3,495 3.33%
    GADSDEN, AL 2 $500,000 $250,000 $8,713 2.69%
    ERIE, PA 2 $490,000 $245,000 $7,791 2.88%
    MADERA, CA 2 $490,000 $245,000 $2,541 3.38%
    EAU CLAIRE, WI 3 $485,000 $161,667 $2,837 2.90%
    WALLA WALLA, WA 2 $480,000 $240,000 $3,891 3.31%
    WACO, TX 3 $455,000 $151,667 $8,143 3.50%
    SPRINGFIELD, IL 2 $450,000 $225,000 $1,982 3.19%
    ALBANY, GA 2 $450,000 $225,000 $4,456 3.19%
    SYRACUSE, NY 3 $445,000 $148,333 $2,791 3.08%
    LEWISTON-AUBURN, ME 2 $440,000 $220,000 $2,114 2.75%
    LAFAYETTE, LA 3 $435,000 $145,000 $4,025 3.32%
    YUMA, AZ 2 $430,000 $215,000 $2,382 2.81%
    KINGSPORT-BRISTOL, TN-VA 3 $415,000 $138,333 $2,406 2.96%
    HAMMOND, LA 1 $415,000 $415,000 $2,725 3.63%
    DULUTH, MN-WI 1 $395,000 $395,000 $2,808 2.63%
    TEXARKANA, TX-AR 1 $395,000 $395,000 $4,964 3.00%
    LAS CRUCES, NM 2 $390,000 $195,000 $2,404 2.69%
    DECATUR, AL 2 $390,000 $195,000 $7,566 3.31%
    CEDAR RAPIDS, IA 3 $385,000 $128,333 $2,383 2.75%
    PEORIA, IL 2 $380,000 $190,000 $3,463 3.19%
    MCALLEN-EDINBURG-MISSION, TX 3 $375,000 $125,000 $3,449 3.29%
    JANESVILLE-BELOIT, WI 1 $355,000 $355,000 $3,502 2.88%
    SIERRA VISTA-DOUGLAS, AZ 1 $345,000 $345,000 $7,759 3.25%
    HARRISONBURG, VA 2 $340,000 $170,000 $2,305 2.56%
    KANKAKEE, IL 1 $325,000 $325,000 $3,963 2.75%
    BEAUMONT-PORT ARTHUR, TX 3 $325,000 $108,333 $3,381 2.92%
    VINELAND-BRIDGETON, NJ 2 $320,000 $160,000 $4,723 2.81%
    BILLINGS, MT 2 $320,000 $160,000 $6,339 3.19%
    ABILENE, TX 1 $315,000 $315,000 $11,823 3.75%
    DUBUQUE, IA 1 $315,000 $315,000 $2,642 2.88%
    OWENSBORO, KY 1 $305,000 $305,000 $3,699 4.00%
    CHEYENNE, WY 1 $295,000 $295,000 $2,375 2.95%
    CASPER, WY 1 $285,000 $285,000 $5,915 3.13%
    ELKHART-GOSHEN, IN 2 $270,000 $135,000 $2,301 2.94%
    COLUMBIA, MO 1 $265,000 $265,000 $5,461 3.13%
    SUMTER, SC 1 $265,000 $265,000 $3,412 2.88%
    WATERLOO-CEDAR FALLS, IA 2 $260,000 $130,000 $2,927 2.88%
    WICHITA, KS 1 $255,000 $255,000 $2,043 2.95%
    LAKE CHARLES, LA 1 $255,000 $255,000 $3,554 3.38%
    HANFORD-CORCORAN, CA 1 $255,000 $255,000 $2,450 2.88%
    DALTON, GA 1 $245,000 $245,000 $3,949 3.13%
    ROCHESTER, MN 1 $235,000 $235,000 $8,209 2.88%
    KOKOMO, IN 1 $235,000 $235,000 $393 2.75%
    SIOUX FALLS, SD 1 $235,000 $235,000 $3,053 2.88%
    ALEXANDRIA, LA 1 $235,000 $235,000 $2,395 3.13%
    MUNCIE, IN 2 $230,000 $115,000 $2,039 3.75%
    WENATCHEE, WA 1 $225,000 $225,000 $1,650 3.63%
    MANHATTAN, KS 1 $225,000 $225,000 $4,839 2.75%
    WAUSAU-WESTON, WI 1 $225,000 $225,000 $2,572 2.88%
    BANGOR, ME 1 $225,000 $225,000 $3,832 2.95%
    EL CENTRO, CA 1 $215,000 $215,000 $1,825 3.25%
    OSHKOSH-NEENAH, WI 1 $205,000 $205,000 $2,043 2.88%
    LONGVIEW, TX 2 $200,000 $100,000 $4,769 2.75%
    LEWISTON, ID-WA 1 $195,000 $195,000 $4,825 2.50%
    CUMBERLAND, MD-WV 1 $185,000 $185,000 $6,490 3.63%
    ODESSA, TX 1 $185,000 $185,000 $3,242 3.50%
    BINGHAMTON, NY 1 $185,000 $185,000 $2,253 2.63%
    LUBBOCK, TX 1 $175,000 $175,000 $4,180 2.88%
    WATERTOWN-FORT DRUM, NY 1 $175,000 $175,000 $7,473 2.88%
    CHAMPAIGN-URBANA, IL 1 $165,000 $165,000 $2,340 2.88%
    DECATUR, IL 2 $160,000 $80,000 $0 5.69%
    FARMINGTON, NM 1 $155,000 $155,000 $3,025 2.38%
    GRAND ISLAND, NE 1 $155,000 $155,000 $2,654 2.75%
    LAREDO, TX 1 $155,000 $155,000 $3,411 3.50%
    TOPEKA, KS 1 $155,000 $155,000 $3,354 2.75%
    RACINE, WI 1 $145,000 $145,000 $3,533 2.75%
    JOHNSTOWN, PA 1 $145,000 $145,000 $4,822 4.38%
    AMARILLO, TX 1 $145,000 $145,000 $4,948 3.75%
    MONROE, LA 1 $145,000 $145,000 $3,420 3.50%
    RAPID CITY, SD 1 $135,000 $135,000 $0 5.13%
    GLENS FALLS, NY 1 $115,000 $115,000 $3,140 2.95%
    WILLIAMSPORT, PA 1 $115,000 $115,000 $0 3.88%
    UTICA-ROME, NY 1 $105,000 $105,000 $3,049 2.50%
    JEFFERSON CITY, MO 1 $105,000 $105,000 $3,564 3.25%

    Northpointe Bank's top markets include Atlanta, Denver, Colorado Springs, Grand Rapids, and Providence among others.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 11,560 $3,384,740,000 $292,798
    2.5-3% 10,424 $3,025,660,000 $290,259
    <2.5% 2,434 $666,700,000 $273,911
    4-5% 1,313 $326,795,000 $248,892
    5-6% 377 $62,295,000 $165,239
    6-7% 12 $3,710,000 $309,167
    7-8% 7 $1,515,000 $216,429

    During 2020, Northpointe Bank's average interest rate was 3.39%, while their most frequently originated rate bucket was 3-4%, with 11,560 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 13,680 $3,931,510,000 $287,391 $4,586 3.12%
    $100k-200k 6,383 $994,535,000 $155,810 $3,636 3.19%
    $400k-600k 4,317 $2,027,305,000 $469,610 $5,200 3.11%
    $100,000 or less 1,223 $89,755,000 $73,389 $2,781 3.83%
    $600k-1MM 440 $317,400,000 $721,364 $8,452 3.38%
    $1MM+ 84 $110,910,000 $1,320,357 $12,337 3.67%

    2020 saw Northpointe Bank place emphasis on $200k-400k loans with 13,680 originations, totaling $3,931,510,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 6,273 $1,907,265,000 $304,044 $4,338 3.15%
    $50k-75k 5,219 $1,153,735,000 $221,064 $4,754 3.19%
    $150k-250k 4,646 $1,648,400,000 $354,800 $4,354 3.16%
    $75k-100k 4,636 $1,236,850,000 $266,792 $4,688 3.17%
    $50k or less 2,623 $421,275,000 $160,608 $4,268 3.22%
    $250k+ 2,024 $881,570,000 $435,558 $4,690 3.24%

    Northpointe Bank lent most frequently to those with incomes in the $100k-150k range, with 6,273 originations. The second most popular income band? $50k-75k, with 5,219 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 6,152 $1,746,810,000 $283,942 $3,777 3.09%
    30-36% 4,797 $1,359,745,000 $283,457 $4,244 3.18%
    <20% 2,579 $720,675,000 $279,440 $3,364 3.01%
    42% 964 $287,300,000 $298,029 $4,923 3.32%
    44% 951 $272,925,000 $286,987 $5,297 3.28%
    50-60% 919 $268,425,000 $292,084 $8,762 3.21%
    41% 877 $258,205,000 $294,418 $4,729 3.28%
    39% 874 $254,950,000 $291,705 $4,658 3.26%
    37% 872 $247,610,000 $283,956 $4,450 3.24%
    40% 870 $246,880,000 $283,770 $4,916 3.31%
    43% 845 $241,135,000 $285,367 $5,024 3.28%
    36% 842 $234,980,000 $279,074 $4,441 3.21%
    38% 837 $239,575,000 $286,231 $4,504 3.26%
    45% 680 $197,420,000 $290,324 $5,220 3.25%
    49% 657 $187,115,000 $284,802 $5,435 3.25%
    46% 626 $176,060,000 $281,246 $5,180 3.20%
    47% 596 $168,800,000 $283,221 $5,294 3.20%
    48% 579 $167,145,000 $288,679 $5,384 3.23%
    >60% 54 $17,870,000 $330,926 $6,081 3.10%

    Northpointe Bank lent most frequently to those with DTI ratios of 20-30%, with 6,152 originations. The next most common DTI ratio? 30-36%, with 4,797 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 19,005 $5,408,945,000 $284,606 $4,442 3.17%
    Not provided 4,508 $1,325,130,000 $293,951 $4,525 3.20%
    Asian 1,183 $367,195,000 $310,393 $3,940 3.02%
    Black 1,237 $315,485,000 $255,040 $5,697 3.31%
    American Indian 139 $39,385,000 $283,345 $5,109 3.20%
    Native Hawaiian 35 $9,925,000 $283,571 $5,652 3.37%
    Asian Indian 9 $2,215,000 $246,111 $3,456 3.02%
    Vietnamese 3 $1,265,000 $421,667 $4,336 3.00%
    Other Asian 3 $865,000 $288,333 $3,807 3.40%
    Chinese 2 $470,000 $235,000 $4,275 3.00%
    Filipino 1 $225,000 $225,000 $3,143 3.00%
    Not applicable 1 $165,000 $165,000 $0 6.50%
    Other Pacific Islander 1 $145,000 $145,000 $2,588 3.13%

    Approval Rates

    Total approvals of all applications
    97.78%

    Northpointe Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    66.60%

    Northpointe Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 26,127 $7,471,415,000 $285,965

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 241 $42,385,000 $175,871
    Single Family (1-4 Units):Site-Built 25,886 $7,429,030,000 $286,990

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,023 $219,685,000 $214,746 $2,980 3.05%
    40-60% 4,207 $1,177,635,000 $279,923 $3,240 2.93%
    60-80% 10,436 $3,129,310,000 $299,857 $3,854 3.18%
    80-100% 9,872 $2,806,570,000 $284,296 $5,646 3.25%
    Over 100% 320 $106,690,000 $333,406 $11,039 3.08%
    Under 20% 267 $30,815,000 $115,412 $1,798 4.51%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Northpointe Bank 3333 Deposit Drive Ne Grand Rapids, MI 49546 Full Service B&M $1,518,305

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $92,540
    Net interest income $56,330
    Total noninterest income $362,315
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $31
    Trading account gains and fees $0
    Additional Noninterest Income $362,284
    Pre-tax net operating income $140,558
    Securities gains (or losses, -) $27
    Income before extraordinary items $110,661
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $110,661
    Minority interest net income $0
    Net income $110,661
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $110,639

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $36,210
    Provision for credit losses $6,000
    Total noninterest expense $272,087
    Salaries and employee benefits $217,379
    Premises and equipment expense $7,057
    Additional noninterest expense $47,651
    Applicable income taxes $29,924
    Net charge-offs $-6
    Cash dividends $13,500

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 2.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,681,536
    Deposits held in domestic offices $1,681,536
    Deposits by Individuals, partnerships, and corporations $1,369,188
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $1,592
    Deposits by Commercial banks and other depository institutions in U.S. $310,756
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $359,248
    Demand deposits $326,161
    Nontransaction accounts $1,322,288
    Money market deposit accounts (MMDAs) $292,648
    Other savings deposits (excluding MMDAs) $292,789
    Total time deposits $736,850
    Total time and savings deposits $1,355,375
    Noninterest-bearing deposits $388,029
    Interest-bearing deposits $1,293,507
    Retail deposits $1,307,401
    IRAs and Keogh plan accounts $19,981
    Brokered deposits $257,719
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,305,150
    Cash & Balances due from depository institutions $354,196
    Interest-bearing balances $344,490
    Total securities $1,513
    Federal funds sold & reverse repurchase $0
    Net loans and leases $2,704,960
    Loan and leases loss allowance $10,539
    Trading account assets $0
    Bank premises and fixed assets $24,038
    Other real estate owned $176
    Goodwill and other intangibles $76,355
    All other assets $143,912

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,305,150
    Total Liabilities $2,950,243
    Total deposits $1,681,536
    Interest-bearing deposits $1,293,507
    Deposits held in domestic offices $1,681,536
    % insured (estimated) $80
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $1,175,997
    Subordinated debt $14,579
    All other liabilities $78,131

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,704,960
    Loan and leases loss allowance $10,539
    Total loans and leases (domestic) $2,715,499
    All real estate loans $2,094,388
    Real estate loans in domestic offices $2,094,388
    Construction and development loans $162,783
    Residential 1-4 family construction $72,485
    Other construction, all land development and other land $90,298
    Loans secured by nonfarm nonresidential properties $4,309
    Nonfarm nonresidential secured by owner-occupied properties $4,181
    Commercial real estate & other non-farm, non-residential $128
    Multifamily residential real estate $421
    1-4 family residential loans $1,926,672
    Farmland loans $203
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $7,249
    To non-U.S. addressees $0
    Loans to individuals $549
    Credit card loans $0
    Related Plans $549
    Consumer Auto Loans $0
    Other loans to individuals $0
    All other loans & leases $613,312
    Loans to foreign governments and official institutions $0
    Other loans $613,312
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $7,374
    Non 1-4 family restructured loans & leases $2,200
    Total loans and leases (foreign) $0

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 37 $4,201 $113,541
    Nonfarm, nonresidential loans - <$100k 11 $463 $42,091
    Nonfarm, nonresidential loans - $100-250k 16 $1,720 $107,500
    Nonfarm, nonresidential loans - $250k-1MM 10 $2,018 $201,800
    Commercial & Industrial, US addressed loans - <$1MM 2 $250 $125,000
    Commercial & Industrial, US addressed loans - <$100k 1 $54 $54,000
    Commercial & Industrial, US addressed loans - $100-250k 1 $196 $196,000
    Farmland loans - <$1MM 2 $203 $101,500
    Farmland loans - <$100k 1 $72 $72,000
    Farmland loans - $100-250k 1 $131 $131,000