Northpointe Bank Mortgage Rates, Fees & Info
Grand Rapids, MILEI: 549300UXY7OP0IC38293
Tax ID: 38-3448372
4.7 stars - Updated: 4/5/25
-
out of 5 stars, based on 75 reviews
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Northpointe Bank is a small bank specializing in 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 by origination volume include: Louisville, Denver, Providence, Miami, and Kahului among others. We have data for 398 markets. (Some data included below & more in-depth data is available with an active subscription.)Northpointe Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Northpointe Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.15% | 4/5/25 |
| 30 Year Conventional Purchase | 6.77% | 4/5/25 |
| 30 Year Conventional Refi | 6.64% | 4/5/25 |
| 30 Year Cash-out Refi | 7.32% | 4/5/25 |
| 30 Year FHA Purchase | 6.96% | 4/5/25 |
| 30 Year FHA Refi | 6.90% | 4/5/25 |
| 30 Year VA Purchase | 6.37% | 4/5/25 |
| 30 Year VA Refi | 6.16% | 4/5/25 |
| 30 Year USDA Purchase | 6.82% | 4/5/25 |
| 30 Year USDA Refi | 6.72% | 4/5/25 |
| 15 Year Conventional Purchase | 5.87% | 4/5/25 |
| 15 Year Conventional Refi | 5.93% | 4/5/25 |
| 15 Year Cash-out Refi | 5.93% | 4/5/25 |
| 15 Year FHA Purchase | 3.68% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Northpointe Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Northpointe Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
5,580Origination Dollar Volume (All Markets)
$2,150,040,000Awards
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Northpointe Bank - 2024
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For 2024, less than of lenders were eligible for this award.
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Relative Rate
Northpointe Bank's average 30 year fixed mortgage rate was
6.86%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.31%.
Relative Fees (Closing Costs)
Northpointe Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,773.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| LOUISVILLE, KY (FHA|USDA|VA) | 900 | $234,980,000 | $261,089 | $6,729 | 6.76% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 211 | $96,745,000 | $458,507 | $8,419 | 6.13% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 236 | $91,670,000 | $388,432 | $9,776 | 6.61% |
| Outside of Metro Areas | 260 | $80,270,000 | $308,731 | $6,959 | 6.68% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 171 | $75,035,000 | $438,801 | $10,104 | 7.46% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 91 | $68,985,000 | $758,077 | $15,359 | 7.32% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 127 | $66,145,000 | $520,827 | $11,017 | 7.14% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 136 | $62,630,000 | $460,515 | $8,494 | 6.84% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 197 | $61,535,000 | $312,360 | $6,275 | 6.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 104 | $48,830,000 | $469,519 | $9,020 | 6.95% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 114 | $40,680,000 | $356,842 | $7,761 | 7.17% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 72 | $37,610,000 | $522,361 | $11,109 | 6.61% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 65 | $34,205,000 | $526,231 | $7,836 | 6.65% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 46 | $32,360,000 | $703,478 | $7,041 | 6.79% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 55 | $31,725,000 | $576,818 | $8,571 | 7.06% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 53 | $31,675,000 | $597,642 | $5,636 | 6.61% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 58 | $31,670,000 | $546,034 | $6,557 | 6.67% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 59 | $30,915,000 | $523,983 | $6,850 | 7.93% |
| PROVO-OREM, UT (FHA|USDA|VA) | 62 | $30,670,000 | $494,677 | $9,982 | 6.40% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 31 | $27,515,000 | $887,581 | $7,645 | 6.93% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 65 | $27,115,000 | $417,154 | $6,558 | 7.44% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 48 | $25,640,000 | $534,167 | $5,729 | 6.45% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 48 | $25,520,000 | $531,667 | $6,341 | 6.61% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 57 | $24,855,000 | $436,053 | $8,397 | 6.62% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 96 | $23,220,000 | $241,875 | $7,472 | 6.60% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 41 | $21,765,000 | $530,854 | $8,278 | 7.02% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 67 | $21,115,000 | $315,149 | $5,560 | 7.21% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 41 | $19,715,000 | $480,854 | $7,815 | 7.04% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 77 | $18,675,000 | $242,532 | $8,534 | 6.45% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 29 | $18,625,000 | $642,241 | $12,226 | 7.27% |
| PANAMA CITY, FL (FHA|USDA|VA) | 60 | $17,720,000 | $295,333 | $9,899 | 7.60% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 30 | $17,040,000 | $568,000 | $6,052 | 7.09% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 40 | $16,840,000 | $421,000 | $6,485 | 6.63% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 33 | $16,425,000 | $497,727 | $7,822 | 6.64% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 36 | $16,210,000 | $450,278 | $7,628 | 6.81% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 77 | $15,955,000 | $207,208 | $4,901 | 6.42% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 22 | $15,840,000 | $720,000 | $5,587 | 6.26% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 28 | $13,600,000 | $485,714 | $5,339 | 6.70% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 50 | $12,650,000 | $253,000 | $5,238 | 6.79% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 20 | $12,580,000 | $629,000 | $5,744 | 6.54% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 22 | $11,750,000 | $534,091 | $3,738 | 6.42% |
| COLUMBUS, OH (FHA|USDA|VA) | 36 | $11,720,000 | $325,556 | $7,339 | 7.36% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 31 | $11,235,000 | $362,419 | $10,101 | 7.00% |
| Sevierville, TN (FHA|USDA|VA) | 19 | $11,125,000 | $585,526 | $7,980 | 7.59% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 39 | $10,895,000 | $279,359 | $6,248 | 5.08% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 30 | $9,740,000 | $324,667 | $8,611 | 6.92% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 31 | $9,605,000 | $309,839 | $10,417 | 6.81% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 20 | $9,340,000 | $467,000 | $4,041 | 6.27% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 34 | $8,940,000 | $262,941 | $7,231 | 5.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 21 | $8,615,000 | $410,238 | $9,349 | 7.34% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 14 | $8,180,000 | $584,286 | $6,207 | 6.90% |
| FRESNO, CA (FHA|USDA|VA) | 16 | $8,060,000 | $503,750 | $10,888 | 7.11% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 32 | $7,590,000 | $237,188 | $7,637 | 7.31% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 15 | $7,585,000 | $505,667 | $4,202 | 6.68% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 23 | $7,235,000 | $314,565 | $6,391 | 7.82% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 14 | $7,120,000 | $508,571 | $7,012 | 7.55% |
| SAVANNAH, GA (FHA|USDA|VA) | 17 | $6,705,000 | $394,412 | $8,308 | 6.95% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 14 | $6,520,000 | $465,714 | $10,149 | 6.54% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 19 | $6,085,000 | $320,263 | $7,879 | 6.24% |
| Bardstown, KY (FHA|USDA|VA) | 28 | $5,860,000 | $209,286 | $7,006 | 6.37% |
| MODESTO, CA (FHA|USDA|VA) | 13 | $5,855,000 | $450,385 | $10,403 | 5.92% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 9 | $5,605,000 | $622,778 | $4,504 | 7.28% |
| MADERA, CA (FHA|USDA|VA) | 9 | $5,405,000 | $600,556 | $7,143 | 8.01% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 8 | $5,300,000 | $662,500 | $10,349 | 8.38% |
| BEND, OR (FHA|USDA|VA) | 8 | $5,290,000 | $661,250 | $15,150 | 6.89% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 17 | $5,125,000 | $301,471 | $6,222 | 6.99% |
| RICHMOND, VA (FHA|USDA|VA) | 12 | $5,090,000 | $424,167 | $5,375 | 6.07% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 6 | $4,950,000 | $825,000 | $4,364 | 6.82% |
| GREELEY, CO (FHA|USDA|VA) | 17 | $4,875,000 | $286,765 | $7,890 | 4.53% |
| RENO, NV (FHA|USDA|VA) | 8 | $4,770,000 | $596,250 | $3,490 | 7.61% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $4,535,000 | $647,857 | $4,199 | 6.30% |
| Astoria, OR (FHA|USDA|VA) | 10 | $4,310,000 | $431,000 | $10,125 | 6.96% |
| MERCED, CA (FHA|USDA|VA) | 12 | $4,280,000 | $356,667 | $10,242 | 6.69% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 11 | $4,225,000 | $384,091 | $5,800 | 6.81% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 10 | $4,200,000 | $420,000 | $3,910 | 7.05% |
| Breckenridge, CO (FHA|USDA|VA) | 6 | $3,960,000 | $660,000 | $5,836 | 8.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 13 | $3,905,000 | $300,385 | $6,972 | 7.09% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 14 | $3,800,000 | $271,429 | $5,207 | 6.97% |
| BOULDER, CO (FHA|USDA|VA) | 6 | $3,760,000 | $626,667 | $5,293 | 7.04% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 15 | $3,725,000 | $248,333 | $7,011 | 7.30% |
| FORT COLLINS, CO (FHA|USDA|VA) | 7 | $3,675,000 | $525,000 | $4,423 | 6.81% |
| Somerset, KY (FHA|USDA|VA) | 18 | $3,640,000 | $202,222 | $7,794 | 6.32% |
| WILMINGTON, NC (FHA|USDA|VA) | 9 | $3,505,000 | $389,444 | $7,667 | 7.12% |
| READING, PA (FHA|USDA|VA) | 13 | $3,505,000 | $269,615 | $7,801 | 6.86% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 6 | $3,420,000 | $570,000 | $6,904 | 6.54% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 8 | $3,360,000 | $420,000 | $9,700 | 6.88% |
| ASHEVILLE, NC (FHA|USDA|VA) | 6 | $3,350,000 | $558,333 | $5,969 | 7.46% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 9 | $3,325,000 | $369,444 | $9,024 | 7.30% |
| Frankfort, KY (FHA|USDA|VA) | 16 | $3,320,000 | $207,500 | $6,711 | 6.37% |
| KNOXVILLE, TN (FHA|USDA|VA) | 8 | $3,320,000 | $415,000 | $6,241 | 6.98% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 7 | $3,315,000 | $473,571 | $7,314 | 7.27% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 6 | $3,310,000 | $551,667 | $6,403 | 6.37% |
| Heber, UT (FHA|USDA|VA) | 4 | $3,230,000 | $807,500 | $18,868 | 7.19% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $2,970,000 | $495,000 | $6,180 | 6.30% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 8 | $2,960,000 | $370,000 | $6,367 | 7.27% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 6 | $2,930,000 | $488,333 | $6,485 | 6.46% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $2,895,000 | $579,000 | $3,430 | 6.05% |
| ST. GEORGE, UT (FHA|USDA|VA) | 4 | $2,840,000 | $710,000 | $5,633 | 8.08% |
| Key West, FL (FHA|USDA|VA) | 5 | $2,765,000 | $553,000 | $14,271 | 7.69% |
| Laconia, NH (FHA|USDA|VA) | 6 | $2,750,000 | $458,333 | $4,679 | 6.46% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 13 | $2,705,000 | $208,077 | $4,506 | 7.43% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $2,680,000 | $670,000 | $5,783 | 7.56% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 6 | $2,660,000 | $443,333 | $4,984 | 7.05% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 5 | $2,615,000 | $523,000 | $12,289 | 6.86% |
| ANN ARBOR, MI (FHA|USDA|VA) | 5 | $2,595,000 | $519,000 | $5,076 | 6.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $2,490,000 | $622,500 | $6,634 | 5.91% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 5 | $2,485,000 | $497,000 | $7,104 | 6.80% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 7 | $2,485,000 | $355,000 | $5,491 | 6.66% |
| Statesboro, GA (FHA|USDA|VA) | 11 | $2,425,000 | $220,455 | $5,497 | 7.01% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 9 | $2,375,000 | $263,889 | $5,871 | 6.91% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $2,365,000 | $788,333 | $13,726 | 6.22% |
| EL PASO, TX (FHA|USDA|VA) | 3 | $2,365,000 | $788,333 | $10,848 | 7.48% |
| NILES, MI (FHA|USDA|VA) | 7 | $2,325,000 | $332,143 | $6,733 | 6.86% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 9 | $2,265,000 | $251,667 | $6,092 | 6.91% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 6 | $2,240,000 | $373,333 | $6,859 | 7.16% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 12 | $2,240,000 | $186,667 | $6,599 | 5.94% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 11 | $2,235,000 | $203,182 | $6,353 | 7.29% |
| BOISE CITY, ID (FHA|USDA|VA) | 5 | $2,225,000 | $445,000 | $7,455 | 6.84% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 6 | $2,210,000 | $368,333 | $8,152 | 7.76% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 4 | $2,100,000 | $525,000 | $6,325 | 6.09% |
| Vernal, UT (FHA|USDA|VA) | 6 | $2,080,000 | $346,667 | $12,339 | 6.68% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $2,075,000 | $691,667 | $2,800 | 7.79% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $2,035,000 | $678,333 | $8,594 | 6.74% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 4 | $1,980,000 | $495,000 | $44,819 | 7.44% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 6 | $1,980,000 | $330,000 | $3,454 | 6.54% |
| Jefferson, GA (FHA|USDA|VA) | 4 | $1,960,000 | $490,000 | $12,177 | 6.59% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,945,000 | $389,000 | $5,723 | 6.40% |
| Fort Morgan, CO (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $8,603 | 4.20% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 9 | $1,905,000 | $211,667 | $5,233 | 6.55% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 8 | $1,880,000 | $235,000 | $5,068 | 6.92% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 7 | $1,855,000 | $265,000 | $5,325 | 8.36% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 9 | $1,845,000 | $205,000 | $6,213 | 5.21% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,815,000 | $363,000 | $7,288 | 6.33% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6 | $1,790,000 | $298,333 | $4,951 | 7.08% |
| Richmond-Berea, KY (FHA|USDA|VA) | 8 | $1,740,000 | $217,500 | $5,458 | 5.78% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $5,959 | 7.48% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 5 | $1,715,000 | $343,000 | $11,012 | 6.50% |
| Glenwood Springs, CO (FHA|USDA|VA) | 2 | $1,700,000 | $850,000 | $4,493 | 7.70% |
| Hilo, HI (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $8,850 | 6.53% |
| MOBILE, AL (FHA|USDA|VA) | 6 | $1,600,000 | $266,667 | $8,452 | 8.53% |
| Taos, NM (FHA|USDA|VA) | 3 | $1,595,000 | $531,667 | $6,503 | 6.54% |
| ANCHORAGE, AK (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $6,788 | 7.42% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $1,535,000 | $511,667 | $6,625 | 6.04% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $1,450,000 | $725,000 | $18,382 | 7.19% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $8,024 | 7.99% |
| Holland, MI (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $4,692 | 6.62% |
| OCALA, FL (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $8,312 | 7.15% |
| LANCASTER, PA (FHA|USDA|VA) | 4 | $1,400,000 | $350,000 | $9,233 | 7.00% |
| SALEM, OR (FHA|USDA|VA) | 3 | $1,395,000 | $465,000 | $8,581 | 5.83% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 7 | $1,385,000 | $197,857 | $6,332 | 7.14% |
| MISSOULA, MT (FHA|USDA|VA) | 2 | $1,330,000 | $665,000 | $6,773 | 6.93% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $1,330,000 | $665,000 | $12,961 | 7.00% |
| MUSKEGON, MI (FHA|USDA|VA) | 6 | $1,310,000 | $218,333 | $4,308 | 6.46% |
| Cañon City, CO (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $8,383 | 5.50% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $7,854 | 7.95% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $4,897 | 7.74% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $1,235,000 | $1,235,000 | $13,330 | 7.88% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $5,645 | 6.58% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $8,458 | 4.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 7 | $1,175,000 | $167,857 | $7,680 | 7.52% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $18,992 | 6.31% |
| Cullowhee, NC (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $7,747 | 7.72% |
| Vidalia, GA (FHA|USDA|VA) | 7 | $1,155,000 | $165,000 | $6,679 | 6.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $10,418 | 5.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $6,079 | 6.72% |
| FORT WAYNE, IN (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $3,847 | 7.74% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $6,056 | 6.97% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $7,831 | 6.62% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $3,520 | 6.71% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 7.90% |
| Traverse City, MI (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $3,536 | 6.18% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $4,891 | 7.42% |
| FLINT, MI (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $8,027 | 6.33% |
| PUEBLO, CO (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $7,257 | 3.78% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $4,159 | 6.67% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $3,815 | 7.50% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $18,112 | 8.79% |
| Campbellsville, KY (FHA|USDA|VA) | 5 | $855,000 | $171,000 | $5,528 | 6.35% |
| Jasper, AL (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $0 | 9.10% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $8,273 | 6.94% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $14,213 | 7.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $3,841 | 5.13% |
| LUBBOCK, TX (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $7,939 | 6.33% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $8,792 | 5.71% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $2,463 | 7.50% |
| MANSFIELD, OH (FHA|USDA|VA) | 7 | $815,000 | $116,429 | $7,077 | 7.14% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $0 | 6.40% |
| Brevard, NC (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $6,183 | 7.96% |
| Sturgis, MI (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $7,682 | 6.54% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $4,874 | 6.25% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,694 | 6.93% |
| DOVER, DE (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $7,502 | 6.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $8,126 | 7.20% |
| CASPER, WY (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $12,061 | 6.13% |
| Tupelo, MS (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $8,295 | 6.67% |
| Seneca, SC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,499 | 9.16% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $6,742 | 6.31% |
| Athens, TX (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $7,980 | 8.49% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $0 | 8.28% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $8,316 | 7.25% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $14,680 | 6.99% |
| Danville, KY (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $4,397 | 5.04% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $695,000 | $695,000 | $3,640 | 7.49% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $3,689 | 9.16% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $7,573 | 7.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $3,122 | 5.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $11,503 | 6.69% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $7,709 | 7.04% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $8,227 | 6.79% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $7,495 | 6.81% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 6.88% |
| OWENSBORO, KY (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $7,775 | 8.38% |
| Cadillac, MI (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $4,261 | 6.38% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,138 | 6.56% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,982 | 7.16% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $8,699 | 8.69% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $3,848 | 5.88% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,838 | 7.50% |
| DALTON, GA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $9,952 | 5.99% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $5,984 | 8.29% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $12,892 | 5.88% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $4,348 | 6.25% |
| Big Rapids, MI (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $7,696 | 6.42% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $7,243 | 7.50% |
| Cedar City, UT (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 8.63% |
| Wilson, NC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $12,271 | 6.44% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $6,215 | 5.63% |
| Henderson, NC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $7,285 | 7.86% |
| Scottsburg, IN (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $7,788 | 6.96% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $5,276 | 7.20% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $6,060 | 8.40% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,167 | 7.87% |
| Newport, OR (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $5,289 | 8.66% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $4,929 | 5.88% |
| FARMINGTON, NM (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,087 | 6.68% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,251 | 7.12% |
| Montrose, CO (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $5,752 | 6.37% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $7,432 | 6.88% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $3,515 | 5.88% |
| Dublin, GA (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,743 | 7.04% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $7,365 | 7.59% |
| Coldwater, MI (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,120 | 7.88% |
| Centralia, WA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $19,878 | 8.94% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $9,762 | 6.88% |
| Durango, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,330 | 6.13% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,104 | 6.38% |
| Angola, IN (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,712 | 6.13% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,943 | 6.69% |
| Meadville, PA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 7.78% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $7,428 | 8.00% |
| Steamboat Springs, CO (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,944 | 5.33% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $7,682 | 7.41% |
| JACKSON, MI (FHA|USDA|VA) | 5 | $525,000 | $105,000 | $4,139 | 5.55% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $8,057 | 6.99% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,170 | 6.00% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,227 | 6.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,380 | 7.50% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 7.75% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,515 | 6.50% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,456 | 6.63% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,730 | 6.13% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $7,674 | 7.73% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $3,218 | 6.38% |
| FAIRBANKS, AK (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,773 | 9.04% |
| MADISON, WI (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,059 | 6.38% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,345 | 7.70% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $5,540 | 6.75% |
| Salina, KS (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,061 | 5.88% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $7,759 | 5.88% |
| Moscow, ID (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $9,981 | 6.75% |
| WACO, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 8.60% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,098 | 6.63% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,651 | 6.75% |
| New Castle, IN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,108 | 6.99% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 6.84% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,595 | 6.63% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $15,705 | 6.50% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,944 | 6.00% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $6,249 | 4.92% |
| Prineville, OR (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $1,030 | 4.25% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $8,223 | 7.25% |
| WALLA WALLA, WA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,486 | 3.50% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,094 | 6.50% |
| Sunbury, PA (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,812 | 4.46% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 6.99% |
| Sonora, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,988 | 6.81% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,722 | 8.69% |
| Granbury, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,022 | 5.75% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $13,136 | 6.50% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,137 | 6.50% |
| ROME, GA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $11,246 | 6.13% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,949 | 6.38% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 6.13% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,635 | 6.00% |
| REDDING, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,864 | 7.13% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,657 | 6.44% |
| ALBANY, GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,534 | 6.00% |
| Mount Sterling, KY (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $4,076 | 7.71% |
| Wabash, IN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,012 | 6.00% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,451 | 6.88% |
| Crossville, TN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,744 | 6.13% |
| London, KY (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $5,544 | 5.83% |
| AKRON, OH (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,423 | 9.22% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 7.50% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,081 | 7.63% |
| TYLER, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 9.20% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,796 | 6.50% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,185 | 6.88% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,098 | 7.63% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,221 | 5.75% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,078 | 7.38% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,703 | 6.63% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,125 | 6.99% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,838 | 6.99% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 6.90% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,004 | 6.13% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,721 | 9.25% |
| Shawano, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 8.53% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,413 | 6.88% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 7.50% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,776 | 6.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,903 | 7.56% |
| Muscatine, IA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,569 | 6.13% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 6.40% |
| RACINE, WI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 9.12% |
| Marquette, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,388 | 6.88% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,903 | 6.00% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 9.20% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,382 | 6.99% |
| Boone, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,635 | 10.95% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,887 | 6.25% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $650 | 6.00% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,451 | 6.99% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 7.63% |
| McPherson, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,502 | 6.13% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 8.50% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,672 | 6.99% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.63% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,893 | 5.88% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,550 | 6.13% |
| Adrian, MI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,979 | 7.49% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.63% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,213 | 6.13% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,104 | 8.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 8.19% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 11.25% |
| Pottsville, PA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,287 | 3.31% |
| Fallon, NV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,424 | 6.99% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,599 | 6.75% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 7.50% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,195 | 6.63% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,060 | 7.63% |
| Selma, AL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $5,808 | 6.44% |
| Jasper, IN (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,661 | 3.25% |
| Kearney, NE (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,907 | 7.13% |
| Washington, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,640 | 6.25% |
| AMES, IA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 9.10% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,227 | 6.69% |
| McAlester, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.34% |
| Centralia, IL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,783 | 6.75% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,001 | 6.63% |
| Newport, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 11.45% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 8.81% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,981 | 7.13% |
| Jesup, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.38% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 7.63% |
| Union City, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,147 | 7.13% |
| Escanaba, MI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,741 | 6.50% |
| Paris, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,767 | 6.38% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,406 | 6.49% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 7.63% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.19% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 7.75% |
| Oskaloosa, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 8.00% |
| KOKOMO, IN (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $3,180 | 3.56% |
| Shelby, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,071 | 6.49% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,092 | 6.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.40% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.50% |
| Clovis, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $8,499 | 6.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.50% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,700 | 6.00% |
| Branson, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.00% |
| Kinston, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $8,037 | 7.00% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.63% |
| Mayfield, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.13% |
| DuBois, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.63% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,237 | 6.00% |
| Washington Court House, OH (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $0 | 7.81% |
| Glasgow, KY (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $3,445 | 4.63% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.88% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,500 | 6.63% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.50% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,852 | 6.88% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,987 | 5.75% |
| Laurel, MS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,437 | 6.63% |
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Product Mix
For 2024, Northpointe Bank's most frequently originated type of loan was Conventional, with 3,806 originations. Their 2nd most popular type was FHA, with 933 originations.
Loan Reason
For 2024, Northpointe Bank's most frequently cited loan purpose was Home Purchase, with 3,986 originations. The 2nd most popular reason was Cash Out Refi, with 768 originations.
Loan Duration/Length
For 2024, Northpointe Bank's most frequently cited loan duration was 30 Year, with 5,387 originations. The 2nd most popular length was 10 Year, with 86 originations.
Origination Fees/Closing Costs
Northpointe Bank's average total fees were $7,773, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,679 originations.
Interest Rates
During 2024, Northpointe Bank's average interest rate for loans was 6.86%, while their most frequently originated rate bucket for loans was 6-7%, with 2,664 originations.
Loan Sizing
2024 saw Northpointe Bank place emphasis on $200k-400k loans with 2,072 originations, totaling $608,310,000 in origination value.
Applicant Income
Northpointe Bank lent most frequently to those with incomes in the $150k-250k range, with 1,297 originations. The second most popular income band? $100k-150k, with 1,178 originations.
Applicant Debt to Income Ratio
Northpointe Bank lent most frequently to those with DTI ratios of 30-36%, with 819 originations. The next most common DTI ratio? 20-30%, with 794 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.50%
Northpointe Bank has an average approval rate.
Pick Rate
Approvals leading to origination49.89%
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 | 5,580 | $2,150,040,000 | $385,312 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5,580 | $2,150,040,000 | $385,312 |