Northpointe Bank Mortgage Rates, Fees & Info

Grand Rapids, MI

LEI: 549300UXY7OP0IC38293

Tax ID: 38-3448372

2.5 stars - Updated: 12/1/23 - out of 5 stars, based on 120 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Review & Overview

Northpointe Bank is a mid-sized 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: New York, Denver, Louisville, Providence, and Miami among others. We have data for 565 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
30 Year Conventional Purchase 6.69% 12/1/23
30 Year Conventional Refi 6.56% 12/1/23
30 Year Cash-out Refi 6.87% 12/1/23
30 Year FHA Purchase 7.28% 12/1/23
30 Year FHA Refi 7.37% 12/1/23
30 Year VA Purchase 6.21% 12/1/23
30 Year VA Refi 5.86% 12/1/23
30 Year USDA Purchase 6.66% 12/1/23
30 Year USDA Refi 6.27% 12/1/23
15 Year Conventional Purchase 6.09% 12/1/23
15 Year Conventional Refi 5.98% 12/1/23
15 Year Cash-out Refi 5.98% 12/1/23
15 Year FHA Purchase 7.08% 12/1/23
15 Year FHA Refi 5.68% 12/1/23
15 Year VA Purchase 5.96% 12/1/23
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

14,500

Origination Dollar Volume (All Markets)

$5,231,560,000
Show all (29) awards

Relative Rate

Northpointe Bank's average 30 year fixed mortgage rate was 5.05%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.29%.

Relative Fees (Closing Costs)

Northpointe Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $8,101.

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 $4,750.

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
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1,123 $504,845,000 $449,550 $12,491 4.90%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 559 $270,455,000 $483,819 $9,475 4.88%
LOUISVILLE, KY (FHA|USDA|VA) 1,025 $252,855,000 $246,688 $5,946 4.97%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 604 $203,370,000 $336,705 $8,328 4.96%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 418 $170,710,000 $408,397 $8,783 5.11%
COLORADO SPRINGS, CO (FHA|USDA|VA) 322 $149,310,000 $463,696 $8,828 4.81%
Outside of Metro Areas 449 $134,105,000 $298,675 $7,215 5.22%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 311 $133,725,000 $429,984 $7,567 4.88%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 342 $117,980,000 $344,971 $7,289 5.30%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 357 $98,215,000 $275,112 $4,224 4.65%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 208 $98,060,000 $471,442 $8,738 4.84%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 388 $96,460,000 $248,608 $7,290 5.05%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 341 $95,265,000 $279,370 $7,652 4.96%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 107 $82,165,000 $767,897 $12,371 5.09%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 100 $79,080,000 $790,800 $10,313 4.48%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 266 $72,150,000 $271,241 $5,845 5.49%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 143 $60,475,000 $422,902 $9,076 4.84%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 133 $59,775,000 $449,436 $6,847 5.07%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 120 $56,850,000 $473,750 $8,610 4.42%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 110 $53,000,000 $481,818 $9,551 6.36%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 105 $52,905,000 $503,857 $7,039 4.74%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 155 $52,285,000 $337,323 $5,795 4.74%
READING, PA (FHA|USDA|VA) 203 $50,265,000 $247,611 $8,070 4.92%
Sevierville, TN (FHA|USDA|VA) 77 $48,635,000 $631,623 $11,754 5.64%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 121 $48,105,000 $397,562 $10,380 4.99%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 70 $47,200,000 $674,286 $9,759 4.85%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 195 $46,375,000 $237,821 $8,069 5.06%
RENO, NV (FHA|USDA|VA) 119 $45,325,000 $380,882 $7,517 5.02%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 121 $45,165,000 $373,264 $8,292 5.11%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 126 $44,700,000 $354,762 $8,566 5.12%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 109 $43,045,000 $394,908 $7,533 5.05%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 117 $42,785,000 $365,684 $8,824 5.16%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 48 $42,720,000 $890,000 $8,837 4.06%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 45 $41,265,000 $917,000 $10,130 4.17%
GRAND JUNCTION, CO (FHA|USDA|VA) 134 $39,930,000 $297,985 $7,723 4.88%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 101 $39,475,000 $390,842 $6,621 5.17%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 94 $38,890,000 $413,723 $7,267 4.82%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 82 $35,910,000 $437,927 $8,316 4.53%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 127 $35,265,000 $277,677 $6,247 4.82%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 63 $34,005,000 $539,762 $7,642 4.61%
DOVER, DE (FHA|USDA|VA) 124 $33,770,000 $272,339 $10,118 4.95%
PORT ST. LUCIE, FL (FHA|USDA|VA) 104 $32,930,000 $316,635 $7,368 4.53%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 114 $32,470,000 $284,825 $7,160 5.25%
YORK-HANOVER, PA (FHA|USDA|VA) 129 $31,225,000 $242,054 $7,014 5.03%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 32 $30,670,000 $958,438 $9,111 4.71%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 59 $29,545,000 $500,763 $10,331 4.46%
SALT LAKE CITY, UT (FHA|USDA|VA) 53 $26,665,000 $503,113 $9,629 4.82%
KNOXVILLE, TN (FHA|USDA|VA) 83 $26,465,000 $318,855 $8,032 4.84%
RALEIGH-CARY, NC (FHA|USDA|VA) 70 $26,390,000 $377,000 $6,038 4.96%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 66 $25,730,000 $389,848 $8,677 4.84%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 53 $25,305,000 $477,453 $9,140 5.14%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 69 $24,625,000 $356,884 $8,330 5.01%
WILMINGTON, NC (FHA|USDA|VA) 60 $23,240,000 $387,333 $6,799 5.33%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 60 $23,140,000 $385,667 $6,885 4.86%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 92 $22,570,000 $245,326 $4,522 5.13%
PROVO-OREM, UT (FHA|USDA|VA) 40 $20,540,000 $513,500 $10,154 4.87%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 47 $19,555,000 $416,064 $8,638 4.91%
COLUMBUS, GA-AL (FHA|USDA|VA) 76 $18,950,000 $249,342 $6,881 4.73%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 80 $18,290,000 $228,625 $5,036 5.14%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 60 $18,190,000 $303,167 $9,881 4.39%
GREELEY, CO (FHA|USDA|VA) 40 $17,320,000 $433,000 $10,745 4.67%
PANAMA CITY, FL (FHA|USDA|VA) 46 $16,630,000 $361,522 $6,569 6.42%
SALISBURY, MD-DE (FHA|USDA|VA) 57 $16,445,000 $288,509 $8,065 4.87%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 76 $15,760,000 $207,368 $5,884 5.00%
WORCESTER, MA-CT (FHA|USDA|VA) 42 $15,260,000 $363,333 $8,307 5.30%
FRESNO, CA (FHA|USDA|VA) 30 $14,940,000 $498,000 $7,970 5.35%
JACKSONVILLE, FL (FHA|USDA|VA) 41 $14,565,000 $355,244 $8,646 5.12%
MODESTO, CA (FHA|USDA|VA) 30 $14,170,000 $472,333 $8,114 5.57%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 46 $13,870,000 $301,522 $8,522 5.47%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 34 $13,080,000 $384,706 $9,483 4.95%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 54 $13,070,000 $242,037 $6,532 5.22%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 32 $12,990,000 $405,938 $10,946 5.02%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 29 $12,665,000 $436,724 $8,873 5.11%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 49 $12,575,000 $256,633 $4,820 4.77%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 65 $12,485,000 $192,077 $4,039 5.31%
Holland, MI (FHA|USDA|VA) 45 $12,165,000 $270,333 $5,299 4.25%
COLUMBUS, OH (FHA|USDA|VA) 41 $10,535,000 $256,951 $7,371 5.70%
PUEBLO, CO (FHA|USDA|VA) 33 $10,365,000 $314,091 $8,656 4.61%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 30 $10,160,000 $338,667 $7,049 5.02%
FORT COLLINS, CO (FHA|USDA|VA) 19 $10,025,000 $527,632 $8,552 5.24%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 36 $9,990,000 $277,500 $8,019 5.15%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 39 $9,665,000 $247,821 $6,841 5.20%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 11 $9,305,000 $845,909 $7,204 5.28%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 23 $9,285,000 $403,696 $6,441 4.83%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 26 $9,240,000 $355,385 $6,701 4.78%
Fernley, NV (FHA|USDA|VA) 30 $9,220,000 $307,333 $8,245 4.89%
Glenwood Springs, CO (FHA|USDA|VA) 24 $8,580,000 $357,500 $6,250 4.42%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 23 $8,445,000 $367,174 $6,390 5.37%
OCALA, FL (FHA|USDA|VA) 23 $8,375,000 $364,130 $8,469 5.01%
FAYETTEVILLE, NC (FHA|USDA|VA) 35 $7,975,000 $227,857 $8,255 5.06%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 15 $7,795,000 $519,667 $5,289 5.53%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 26 $7,610,000 $292,692 $6,920 4.80%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 18 $7,270,000 $403,889 $9,511 5.23%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 39 $7,245,000 $185,769 $8,487 5.42%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 25 $7,185,000 $287,400 $9,672 5.10%
WINSTON-SALEM, NC (FHA|USDA|VA) 32 $7,180,000 $224,375 $6,543 5.28%
ST. LOUIS, MO-IL (FHA|USDA|VA) 33 $7,165,000 $217,121 $5,812 5.46%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 25 $7,125,000 $285,000 $7,955 5.54%
Jefferson, GA (FHA|USDA|VA) 19 $7,015,000 $369,211 $5,806 5.10%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 22 $6,960,000 $316,364 $8,285 5.32%
SAVANNAH, GA (FHA|USDA|VA) 23 $6,915,000 $300,652 $8,175 5.51%
TUCSON, AZ (FHA|USDA|VA) 21 $6,875,000 $327,381 $8,295 5.46%
BOISE CITY, ID (FHA|USDA|VA) 11 $6,595,000 $599,545 $8,560 4.81%
STOCKTON, CA (FHA|USDA|VA) 13 $6,575,000 $505,769 $7,830 4.44%
PITTSBURGH, PA (FHA|USDA|VA) 27 $6,515,000 $241,296 $8,218 4.99%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 34 $6,480,000 $190,588 $7,335 5.00%
Heber, UT (FHA|USDA|VA) 10 $6,470,000 $647,000 $9,480 6.28%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 21 $6,425,000 $305,952 $8,218 5.66%
CARSON CITY, NV (FHA|USDA|VA) 19 $6,425,000 $338,158 $6,818 4.69%
ALBUQUERQUE, NM (FHA|USDA|VA) 16 $6,170,000 $385,625 $5,172 4.54%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 18 $6,070,000 $337,222 $7,509 5.12%
MUSKEGON, MI (FHA|USDA|VA) 30 $6,040,000 $201,333 $3,663 4.50%
LANCASTER, PA (FHA|USDA|VA) 21 $5,985,000 $285,000 $7,668 4.71%
ST. GEORGE, UT (FHA|USDA|VA) 10 $5,930,000 $593,000 $6,157 4.17%
PUNTA GORDA, FL (FHA|USDA|VA) 18 $5,830,000 $323,889 $6,253 5.17%
Bardstown, KY (FHA|USDA|VA) 28 $5,820,000 $207,857 $5,625 5.01%
LEBANON, PA (FHA|USDA|VA) 19 $5,675,000 $298,684 $8,081 4.45%
RICHMOND, VA (FHA|USDA|VA) 16 $5,590,000 $349,375 $6,537 5.21%
BOULDER, CO (FHA|USDA|VA) 8 $5,580,000 $697,500 $7,307 5.59%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 8 $5,380,000 $672,500 $12,172 3.50%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $5,275,000 $1,055,000 $7,292 3.43%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 8 $5,190,000 $648,750 $7,350 4.37%
ASHEVILLE, NC (FHA|USDA|VA) 15 $5,175,000 $345,000 $6,578 6.12%
COLUMBIA, SC (FHA|USDA|VA) 22 $5,040,000 $229,091 $6,785 5.31%
MERCED, CA (FHA|USDA|VA) 13 $4,985,000 $383,462 $7,927 5.53%
OCEAN CITY, NJ (FHA|USDA|VA) 12 $4,920,000 $410,000 $6,347 4.99%
GETTYSBURG, PA (FHA|USDA|VA) 18 $4,900,000 $272,222 $7,382 5.33%
FORT WAYNE, IN (FHA|USDA|VA) 18 $4,890,000 $271,667 $5,087 5.04%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 16 $4,770,000 $298,125 $8,662 4.79%
OKLAHOMA CITY, OK (FHA|USDA|VA) 22 $4,730,000 $215,000 $7,465 5.49%
GAINESVILLE, GA (FHA|USDA|VA) 11 $4,695,000 $426,818 $6,796 4.71%
MORRISTOWN, TN (FHA|USDA|VA) 13 $4,635,000 $356,538 $8,290 5.01%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 11 $4,585,000 $416,818 $15,332 5.66%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 5 $4,465,000 $893,000 $10,724 5.35%
SALINAS, CA (FHA|USDA|VA) 4 $4,340,000 $1,085,000 $5,463 3.50%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 3 $4,265,000 $1,421,667 $12,942 4.00%
KANSAS CITY, MO-KS (FHA|USDA|VA) 16 $4,170,000 $260,625 $7,204 5.10%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 15 $4,125,000 $275,000 $7,244 5.28%
JACKSONVILLE, NC (FHA|USDA|VA) 13 $3,985,000 $306,538 $6,804 5.03%
EVANSVILLE, IN-KY (FHA|USDA|VA) 17 $3,945,000 $232,059 $5,605 5.37%
VISALIA, CA (FHA|USDA|VA) 8 $3,690,000 $461,250 $5,238 3.61%
Hilo, HI (FHA|USDA|VA) 5 $3,675,000 $735,000 $8,625 5.60%
Kapaa, HI (FHA|USDA|VA) 4 $3,640,000 $910,000 $12,753 6.13%
SPRINGFIELD, MO (FHA|USDA|VA) 14 $3,530,000 $252,143 $5,818 4.83%
ANN ARBOR, MI (FHA|USDA|VA) 9 $3,475,000 $386,111 $3,785 4.97%
Boone, NC (FHA|USDA|VA) 4 $3,440,000 $860,000 $13,195 5.16%
Richmond-Berea, KY (FHA|USDA|VA) 13 $3,435,000 $264,231 $6,742 4.59%
EAST STROUDSBURG, PA (FHA|USDA|VA) 15 $3,405,000 $227,000 $7,842 5.07%
Montrose, CO (FHA|USDA|VA) 10 $3,400,000 $340,000 $7,357 5.45%
FLAGSTAFF, AZ (FHA|USDA|VA) 6 $3,390,000 $565,000 $6,487 4.63%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 9 $3,315,000 $368,333 $4,772 4.66%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 7 $3,295,000 $470,714 $11,672 4.46%
TULSA, OK (FHA|USDA|VA) 11 $3,275,000 $297,727 $7,061 5.65%
Breckenridge, CO (FHA|USDA|VA) 5 $3,225,000 $645,000 $10,454 5.18%
Truckee-Grass Valley, CA (FHA|USDA|VA) 5 $3,195,000 $639,000 $7,519 4.65%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 13 $3,195,000 $245,769 $8,250 4.76%
Sonora, CA (FHA|USDA|VA) 11 $3,175,000 $288,636 $10,410 5.24%
MISSOULA, MT (FHA|USDA|VA) 8 $3,140,000 $392,500 $4,937 4.94%
Outside of Metro Areas 8 $3,140,000 $392,500 $9,470 5.81%
Cañon City, CO (FHA|USDA|VA) 10 $3,090,000 $309,000 $6,383 4.66%
TUSCALOOSA, AL (FHA|USDA|VA) 11 $3,055,000 $277,727 $8,267 4.93%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 9 $3,055,000 $339,444 $8,432 4.39%
DAYTON-KETTERING, OH (FHA|USDA|VA) 12 $3,050,000 $254,167 $7,941 5.08%
Seneca, SC (FHA|USDA|VA) 5 $3,045,000 $609,000 $12,220 4.73%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 12 $3,030,000 $252,500 $7,908 5.27%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 5 $2,995,000 $599,000 $7,005 4.87%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 9 $2,995,000 $332,778 $8,085 4.22%
Forest City, NC (FHA|USDA|VA) 8 $2,910,000 $363,750 $9,541 6.52%
Morehead City, NC (FHA|USDA|VA) 6 $2,870,000 $478,333 $10,513 5.63%
LOGAN, UT-ID (FHA|USDA|VA) 9 $2,815,000 $312,778 $9,130 4.39%
SPARTANBURG, SC (FHA|USDA|VA) 12 $2,810,000 $234,167 $5,769 5.85%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 5 $2,785,000 $557,000 $9,907 5.20%
SPRINGFIELD, MA (FHA|USDA|VA) 13 $2,745,000 $211,154 $7,454 5.12%
Torrington, CT (FHA|USDA|VA) 7 $2,695,000 $385,000 $6,419 4.41%
SALEM, OR (FHA|USDA|VA) 4 $2,610,000 $652,500 $10,435 4.69%
BLOOMINGTON, IN (FHA|USDA|VA) 10 $2,560,000 $256,000 $5,781 4.37%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 8 $2,540,000 $317,500 $4,618 4.64%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 10 $2,520,000 $252,000 $7,948 5.29%
THE VILLAGES, FL (FHA|USDA|VA) 7 $2,495,000 $356,429 $6,887 4.23%
Vernal, UT (FHA|USDA|VA) 8 $2,470,000 $308,750 $11,018 4.80%
TYLER, TX (FHA|USDA|VA) 8 $2,440,000 $305,000 $9,020 6.37%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 9 $2,425,000 $269,444 $5,593 4.85%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $2,425,000 $269,444 $6,320 3.81%
Pottsville, PA (FHA|USDA|VA) 10 $2,420,000 $242,000 $8,629 4.94%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 8 $2,410,000 $301,250 $7,260 4.75%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $2,385,000 $795,000 $7,566 5.33%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 8 $2,380,000 $297,500 $9,970 4.58%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 7 $2,365,000 $337,857 $13,052 4.75%
CLEVELAND, TN (FHA|USDA|VA) 8 $2,360,000 $295,000 $5,634 4.94%
Shelby, NC (FHA|USDA|VA) 12 $2,350,000 $195,833 $5,912 6.14%
Fallon, NV (FHA|USDA|VA) 7 $2,325,000 $332,143 $9,597 4.89%
VALLEJO, CA (FHA|USDA|VA) 4 $2,320,000 $580,000 $10,798 3.06%
Lebanon, NH-VT (FHA|USDA|VA) 7 $2,315,000 $330,714 $6,806 5.52%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 9 $2,295,000 $255,000 $7,377 4.63%
Key West, FL (FHA|USDA|VA) 5 $2,265,000 $453,000 $11,981 4.10%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 9 $2,235,000 $248,333 $5,447 5.25%
MEDFORD, OR (FHA|USDA|VA) 4 $2,230,000 $557,500 $8,370 3.81%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 9 $2,225,000 $247,222 $5,998 4.81%
EL PASO, TX (FHA|USDA|VA) 9 $2,205,000 $245,000 $8,175 4.64%
BEND, OR (FHA|USDA|VA) 5 $2,195,000 $439,000 $8,190 4.77%
MONTGOMERY, AL (FHA|USDA|VA) 12 $2,190,000 $182,500 $6,512 4.67%
BELLINGHAM, WA (FHA|USDA|VA) 5 $2,175,000 $435,000 $7,353 4.30%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 8 $2,170,000 $271,250 $6,199 4.73%
Brevard, NC (FHA|USDA|VA) 6 $2,150,000 $358,333 $9,685 5.29%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 9 $2,145,000 $238,333 $9,391 5.19%
Fort Morgan, CO (FHA|USDA|VA) 7 $2,135,000 $305,000 $10,497 5.00%
CANTON-MASSILLON, OH (FHA|USDA|VA) 5 $2,085,000 $417,000 $6,777 4.62%
TWIN FALLS, ID (FHA|USDA|VA) 4 $2,080,000 $520,000 $6,975 4.03%
Kill Devil Hills, NC (FHA|USDA|VA) 5 $2,075,000 $415,000 $5,265 3.45%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 5 $2,045,000 $409,000 $7,227 4.48%
DuBois, PA (FHA|USDA|VA) 10 $2,030,000 $203,000 $6,274 4.59%
Traverse City, MI (FHA|USDA|VA) 7 $1,985,000 $283,571 $4,523 5.10%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 8 $1,980,000 $247,500 $6,635 5.45%
JOHNSON CITY, TN (FHA|USDA|VA) 5 $1,945,000 $389,000 $9,259 4.80%
Albemarle, NC (FHA|USDA|VA) 7 $1,935,000 $276,429 $8,755 4.78%
Shelton, WA (FHA|USDA|VA) 4 $1,920,000 $480,000 $13,185 4.59%
BATTLE CREEK, MI (FHA|USDA|VA) 9 $1,895,000 $210,556 $4,792 5.84%
Steamboat Springs, CO (FHA|USDA|VA) 3 $1,845,000 $615,000 $8,186 3.67%
GAINESVILLE, FL (FHA|USDA|VA) 6 $1,800,000 $300,000 $9,066 5.71%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 9 $1,795,000 $199,444 $3,729 5.71%
Durango, CO (FHA|USDA|VA) 4 $1,780,000 $445,000 $7,421 4.97%
Statesboro, GA (FHA|USDA|VA) 8 $1,770,000 $221,250 $5,645 6.14%
Keene, NH (FHA|USDA|VA) 4 $1,750,000 $437,500 $5,462 4.06%
LAS CRUCES, NM (FHA|USDA|VA) 5 $1,695,000 $339,000 $5,332 4.30%
URBAN HONOLULU, HI (FHA|USDA|VA) 3 $1,685,000 $561,667 $7,329 5.75%
Corsicana, TX (FHA|USDA|VA) 8 $1,670,000 $208,750 $7,369 4.28%
DOTHAN, AL (FHA|USDA|VA) 6 $1,670,000 $278,333 $10,536 5.44%
LYNCHBURG, VA (FHA|USDA|VA) 5 $1,655,000 $331,000 $5,212 6.14%
Port Angeles, WA (FHA|USDA|VA) 3 $1,635,000 $545,000 $11,155 5.42%
Centralia, WA (FHA|USDA|VA) 4 $1,610,000 $402,500 $8,994 5.18%
JACKSON, MS (FHA|USDA|VA) 13 $1,605,000 $123,462 $5,068 5.57%
BATON ROUGE, LA (FHA|USDA|VA) 7 $1,595,000 $227,857 $8,944 5.43%
Enterprise, AL (FHA|USDA|VA) 6 $1,590,000 $265,000 $4,273 4.90%
Scottsburg, IN (FHA|USDA|VA) 8 $1,550,000 $193,750 $6,245 5.55%
CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $1,520,000 $380,000 $7,902 6.13%
GREENVILLE, NC (FHA|USDA|VA) 10 $1,510,000 $151,000 $4,900 5.88%
Athens, TX (FHA|USDA|VA) 4 $1,510,000 $377,500 $16,919 5.34%
AKRON, OH (FHA|USDA|VA) 13 $1,505,000 $115,769 $4,356 6.02%
Big Rapids, MI (FHA|USDA|VA) 7 $1,505,000 $215,000 $4,017 5.16%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $1,500,000 $375,000 $5,818 5.69%
Laconia, NH (FHA|USDA|VA) 5 $1,465,000 $293,000 $6,500 6.58%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $1,415,000 $471,667 $3,839 4.21%
MADERA, CA (FHA|USDA|VA) 3 $1,405,000 $468,333 $7,064 4.70%
Rockport, TX (FHA|USDA|VA) 4 $1,390,000 $347,500 $8,742 6.38%
Ludington, MI (FHA|USDA|VA) 2 $1,390,000 $695,000 $9,228 3.94%
Oak Harbor, WA (FHA|USDA|VA) 2 $1,390,000 $695,000 $23,699 4.25%
CHEYENNE, WY (FHA|USDA|VA) 5 $1,385,000 $277,000 $8,502 6.53%
BURLINGTON, NC (FHA|USDA|VA) 7 $1,325,000 $189,286 $6,327 4.80%
Cullowhee, NC (FHA|USDA|VA) 3 $1,305,000 $435,000 $7,163 5.29%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 5 $1,305,000 $261,000 $9,008 4.30%
HINESVILLE, GA (FHA|USDA|VA) 5 $1,305,000 $261,000 $9,361 4.95%
Elko, NV (FHA|USDA|VA) 3 $1,295,000 $431,667 $14,492 4.00%
ROCHESTER, MN (FHA|USDA|VA) 3 $1,265,000 $421,667 $5,140 4.00%
Laramie, WY (FHA|USDA|VA) 3 $1,265,000 $421,667 $3,814 4.83%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $1,265,000 $421,667 $5,310 5.17%
Clewiston, FL (FHA|USDA|VA) 4 $1,260,000 $315,000 $9,691 3.88%
Frankfort, KY (FHA|USDA|VA) 7 $1,225,000 $175,000 $3,854 4.82%
NILES, MI (FHA|USDA|VA) 5 $1,225,000 $245,000 $6,994 4.38%
BOWLING GREEN, KY (FHA|USDA|VA) 4 $1,210,000 $302,500 $6,628 5.50%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 4 $1,200,000 $300,000 $8,286 4.72%
TOLEDO, OH (FHA|USDA|VA) 4 $1,200,000 $300,000 $10,421 4.59%
Granbury, TX (FHA|USDA|VA) 4 $1,190,000 $297,500 $6,996 4.56%
JACKSON, MI (FHA|USDA|VA) 6 $1,170,000 $195,000 $9,935 4.71%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 7 $1,165,000 $166,429 $5,466 5.57%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 5 $1,155,000 $231,000 $4,225 4.47%
Bozeman, MT (FHA|USDA|VA) 2 $1,120,000 $560,000 $6,740 5.31%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $1,110,000 $555,000 $11,330 5.19%
FLINT, MI (FHA|USDA|VA) 6 $1,110,000 $185,000 $3,685 4.53%
WACO, TX (FHA|USDA|VA) 3 $1,105,000 $368,333 $15,629 5.41%
NAPA, CA (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $7,601 3.38%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $1,100,000 $550,000 $13,979 5.44%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 3 $1,095,000 $365,000 $5,709 5.79%
ROANOKE, VA (FHA|USDA|VA) 3 $1,075,000 $358,333 $5,892 4.63%
BLOOMINGTON, IL (FHA|USDA|VA) 3 $1,075,000 $358,333 $9,077 4.33%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $1,075,000 $358,333 $12,708 8.15%
GRANTS PASS, OR (FHA|USDA|VA) 2 $1,060,000 $530,000 $12,092 5.13%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,055,000 $211,000 $7,235 5.65%
MADISON, WI (FHA|USDA|VA) 3 $1,045,000 $348,333 $6,084 6.17%
YAKIMA, WA (FHA|USDA|VA) 3 $1,045,000 $348,333 $8,168 4.88%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $1,045,000 $348,333 $5,312 4.88%
AMARILLO, TX (FHA|USDA|VA) 3 $1,025,000 $341,667 $6,354 4.71%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $1,025,000 $1,025,000 $11,266 4.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $1,015,000 $338,333 $2,530 4.99%
LINCOLN, NE (FHA|USDA|VA) 2 $1,010,000 $505,000 $15,581 6.44%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $1,005,000 $335,000 $5,088 4.50%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 4 $1,000,000 $250,000 $6,371 5.47%
CHICO, CA (FHA|USDA|VA) 2 $1,000,000 $500,000 $4,588 6.38%
MANSFIELD, OH (FHA|USDA|VA) 5 $995,000 $199,000 $6,688 4.55%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 3 $995,000 $331,667 $6,021 5.00%
Vineyard Haven, MA (FHA|USDA|VA) 1 $975,000 $975,000 $9,416 7.25%
Mount Sterling, KY (FHA|USDA|VA) 6 $970,000 $161,667 $5,631 4.81%
WARNER ROBINS, GA (FHA|USDA|VA) 6 $970,000 $161,667 $7,853 5.67%
IOWA CITY, IA (FHA|USDA|VA) 3 $965,000 $321,667 $7,416 3.79%
Pullman, WA (FHA|USDA|VA) 4 $950,000 $237,500 $8,313 4.66%
Rexburg, ID (FHA|USDA|VA) 1 $945,000 $945,000 $0 5.00%
Sturgis, MI (FHA|USDA|VA) 4 $940,000 $235,000 $5,044 5.72%
LONGVIEW, TX (FHA|USDA|VA) 1 $925,000 $925,000 $26,038 8.88%
Lawrenceburg, TN (FHA|USDA|VA) 4 $920,000 $230,000 $7,671 4.53%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 5 $915,000 $183,000 $3,840 5.43%
KINGSTON, NY (FHA|USDA|VA) 4 $910,000 $227,500 $7,714 4.34%
Safford, AZ (FHA|USDA|VA) 1 $905,000 $905,000 $10,735 5.38%
FLORENCE, SC (FHA|USDA|VA) 5 $905,000 $181,000 $8,246 6.30%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 3 $895,000 $298,333 $5,509 5.25%
ALBANY, GA (FHA|USDA|VA) 2 $890,000 $445,000 $11,367 5.56%
St. Marys, GA (FHA|USDA|VA) 3 $885,000 $295,000 $9,876 4.63%
Somerset, KY (FHA|USDA|VA) 5 $885,000 $177,000 $5,457 6.08%
BRUNSWICK, GA (FHA|USDA|VA) 4 $880,000 $220,000 $6,199 5.56%
REDDING, CA (FHA|USDA|VA) 1 $855,000 $855,000 $5,221 3.00%
LONGVIEW, WA (FHA|USDA|VA) 2 $840,000 $420,000 $15,359 4.69%
Whitewater, WI (FHA|USDA|VA) 2 $830,000 $415,000 $12,596 4.38%
ANCHORAGE, AK (FHA|USDA|VA) 3 $825,000 $275,000 $6,184 5.17%
Mount Vernon, OH (FHA|USDA|VA) 2 $820,000 $410,000 $14,576 6.38%
Danville, VA (FHA|USDA|VA) 3 $805,000 $268,333 $3,310 4.58%
YUMA, AZ (FHA|USDA|VA) 3 $795,000 $265,000 $8,961 4.29%
Lewisburg, TN (FHA|USDA|VA) 3 $795,000 $265,000 $6,897 6.17%
MIDLAND, TX (FHA|USDA|VA) 2 $790,000 $395,000 $22,319 7.38%
Newport, OR (FHA|USDA|VA) 2 $790,000 $395,000 $8,262 7.79%
Talladega-Sylacauga, AL (FHA|USDA|VA) 4 $780,000 $195,000 $7,638 5.78%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 4 $770,000 $192,500 $4,423 5.50%
McMinnville, TN (FHA|USDA|VA) 3 $745,000 $248,333 $7,444 4.46%
CORVALLIS, OR (FHA|USDA|VA) 1 $745,000 $745,000 $5,369 3.75%
Edwards, CO (FHA|USDA|VA) 1 $745,000 $745,000 $0 4.63%
ROCHESTER, NY (FHA|USDA|VA) 4 $740,000 $185,000 $7,590 4.96%
HATTIESBURG, MS (FHA|USDA|VA) 4 $740,000 $185,000 $6,083 4.44%
JOPLIN, MO (FHA|USDA|VA) 2 $730,000 $365,000 $5,740 3.68%
MIDLAND, MI (FHA|USDA|VA) 3 $725,000 $241,667 $4,594 4.00%
TERRE HAUTE, IN (FHA|USDA|VA) 5 $715,000 $143,000 $2,921 4.52%
Georgetown, SC (FHA|USDA|VA) 2 $710,000 $355,000 $1,954 5.25%
Baraboo, WI (FHA|USDA|VA) 2 $690,000 $345,000 $6,571 5.75%
Rutland, VT (FHA|USDA|VA) 1 $685,000 $685,000 $28,947 6.25%
Sanford, NC (FHA|USDA|VA) 2 $670,000 $335,000 $4,712 4.31%
SIOUX FALLS, SD (FHA|USDA|VA) 3 $665,000 $221,667 $3,353 3.71%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $665,000 $221,667 $6,474 5.38%
Calhoun, GA (FHA|USDA|VA) 3 $665,000 $221,667 $6,463 4.04%
Price, UT (FHA|USDA|VA) 1 $655,000 $655,000 $4,084 3.38%
MONROE, LA (FHA|USDA|VA) 4 $650,000 $162,500 $3,968 3.56%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $645,000 $215,000 $10,019 4.50%
SYRACUSE, NY (FHA|USDA|VA) 2 $640,000 $320,000 $3,722 4.00%
LUBBOCK, TX (FHA|USDA|VA) 3 $635,000 $211,667 $8,900 5.00%
Albertville, AL (FHA|USDA|VA) 2 $630,000 $315,000 $10,252 3.81%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 2 $630,000 $315,000 $10,165 4.06%
WHEELING, WV-OH (FHA|USDA|VA) 3 $625,000 $208,333 $4,371 4.12%
Seymour, IN (FHA|USDA|VA) 2 $620,000 $310,000 $7,872 7.25%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $620,000 $310,000 $7,327 4.69%
Shelbyville, TN (FHA|USDA|VA) 2 $620,000 $310,000 $4,236 5.13%
STATE COLLEGE, PA (FHA|USDA|VA) 3 $615,000 $205,000 $5,754 6.58%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $610,000 $305,000 $8,318 4.63%
Danville, KY (FHA|USDA|VA) 4 $610,000 $152,500 $3,434 5.59%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $605,000 $605,000 $3,092 4.00%
GREEN BAY, WI (FHA|USDA|VA) 2 $600,000 $300,000 $6,583 5.75%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $595,000 $198,333 $2,563 4.92%
Coos Bay, OR (FHA|USDA|VA) 2 $590,000 $295,000 $10,568 4.81%
Mountain Home, ID (FHA|USDA|VA) 1 $585,000 $585,000 $21,082 5.88%
Ukiah, CA (FHA|USDA|VA) 1 $585,000 $585,000 $10,225 3.75%
Vidalia, GA (FHA|USDA|VA) 4 $570,000 $142,500 $7,241 5.41%
Olean, NY (FHA|USDA|VA) 2 $570,000 $285,000 $11,437 5.81%
ST. CLOUD, MN (FHA|USDA|VA) 2 $570,000 $285,000 $3,209 3.87%
Newberry, SC (FHA|USDA|VA) 1 $565,000 $565,000 $12,071 4.63%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $555,000 $555,000 $3,294 3.75%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $555,000 $185,000 $6,347 4.29%
MOBILE, AL (FHA|USDA|VA) 3 $555,000 $185,000 $9,742 6.42%
MUNCIE, IN (FHA|USDA|VA) 3 $545,000 $181,667 $2,480 6.33%
Mount Airy, NC (FHA|USDA|VA) 2 $540,000 $270,000 $5,158 4.63%
ALTOONA, PA (FHA|USDA|VA) 2 $540,000 $270,000 $5,916 5.13%
Snyder, TX (FHA|USDA|VA) 2 $540,000 $270,000 $11,591 7.29%
BANGOR, ME (FHA|USDA|VA) 2 $520,000 $260,000 $3,703 5.63%
Greeneville, TN (FHA|USDA|VA) 2 $510,000 $255,000 $9,776 4.81%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $510,000 $255,000 $6,031 4.25%
Fredericksburg, TX (FHA|USDA|VA) 1 $505,000 $505,000 $8,974 6.38%
Prineville, OR (FHA|USDA|VA) 2 $500,000 $250,000 $5,182 5.13%
North Wilkesboro, NC (FHA|USDA|VA) 3 $495,000 $165,000 $4,738 5.04%
Campbellsville, KY (FHA|USDA|VA) 2 $490,000 $245,000 $3,129 3.31%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $490,000 $245,000 $4,173 4.93%
LAFAYETTE, LA (FHA|USDA|VA) 2 $490,000 $245,000 $6,176 4.69%
Brainerd, MN (FHA|USDA|VA) 1 $485,000 $485,000 $3,777 7.00%
Clarksburg, WV (FHA|USDA|VA) 1 $485,000 $485,000 $1,195 2.63%
Jasper, AL (FHA|USDA|VA) 1 $485,000 $485,000 $14,009 5.13%
Watertown, SD (FHA|USDA|VA) 1 $485,000 $485,000 $872 3.00%
Starkville, MS (FHA|USDA|VA) 2 $480,000 $240,000 $9,926 3.44%
GADSDEN, AL (FHA|USDA|VA) 2 $480,000 $240,000 $8,817 5.94%
Aberdeen, WA (FHA|USDA|VA) 1 $475,000 $475,000 $14,518 4.88%
RACINE, WI (FHA|USDA|VA) 2 $470,000 $235,000 $2,453 5.56%
OWENSBORO, KY (FHA|USDA|VA) 3 $465,000 $155,000 $2,975 5.12%
Sunbury, PA (FHA|USDA|VA) 2 $460,000 $230,000 $6,893 4.00%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $455,000 $455,000 $4,069 3.50%
Adrian, MI (FHA|USDA|VA) 1 $455,000 $455,000 $1,228 5.25%
YUBA CITY, CA (FHA|USDA|VA) 1 $455,000 $455,000 $4,454 4.63%
Mountain Home, AR (FHA|USDA|VA) 2 $450,000 $225,000 $2,858 4.50%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $445,000 $445,000 $5,893 5.99%
Lumberton, NC (FHA|USDA|VA) 2 $440,000 $220,000 $10,608 4.75%
HARRISONBURG, VA (FHA|USDA|VA) 2 $440,000 $220,000 $0 5.44%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $440,000 $220,000 $4,394 3.50%
ROCKFORD, IL (FHA|USDA|VA) 5 $435,000 $87,000 $3,921 4.93%
Orangeburg, SC (FHA|USDA|VA) 2 $430,000 $215,000 $2,418 5.50%
Rochelle, IL (FHA|USDA|VA) 1 $425,000 $425,000 $6,813 4.75%
Warsaw, IN (FHA|USDA|VA) 1 $425,000 $425,000 $2,203 3.88%
Newport, TN (FHA|USDA|VA) 1 $425,000 $425,000 $12,154 4.25%
Sandpoint, ID (FHA|USDA|VA) 2 $420,000 $210,000 $7,439 5.12%
Concord, NH (FHA|USDA|VA) 2 $420,000 $210,000 $5,450 4.94%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $420,000 $210,000 $5,020 5.69%
Cedar City, UT (FHA|USDA|VA) 2 $420,000 $210,000 $5,246 5.69%
POCATELLO, ID (FHA|USDA|VA) 1 $415,000 $415,000 $16,869 4.25%
BILLINGS, MT (FHA|USDA|VA) 1 $405,000 $405,000 $15,899 5.13%
Wooster, OH (FHA|USDA|VA) 1 $405,000 $405,000 $11,264 3.13%
WICHITA, KS (FHA|USDA|VA) 3 $405,000 $135,000 $4,369 4.37%
RAPID CITY, SD (FHA|USDA|VA) 1 $405,000 $405,000 $14,463 5.75%
SANTA FE, NM (FHA|USDA|VA) 1 $405,000 $405,000 $4,122 3.88%
GLENS FALLS, NY (FHA|USDA|VA) 2 $400,000 $200,000 $5,793 5.25%
CEDAR RAPIDS, IA (FHA|USDA|VA) 3 $395,000 $131,667 $4,103 3.25%
Marquette, MI (FHA|USDA|VA) 1 $385,000 $385,000 $673 2.88%
Alexander City, AL (FHA|USDA|VA) 1 $385,000 $385,000 $3,786 6.50%
Batavia, NY (FHA|USDA|VA) 1 $385,000 $385,000 $27,795 4.75%
APPLETON, WI (FHA|USDA|VA) 1 $375,000 $375,000 $10,080 4.50%
Nogales, AZ (FHA|USDA|VA) 1 $375,000 $375,000 $16,425 4.50%
Indiana, PA (FHA|USDA|VA) 1 $375,000 $375,000 $5,606 5.13%
Athens, TN (FHA|USDA|VA) 1 $375,000 $375,000 $9,094 5.63%
Cadillac, MI (FHA|USDA|VA) 1 $375,000 $375,000 $2,862 2.63%
MANHATTAN, KS (FHA|USDA|VA) 3 $375,000 $125,000 $7,748 5.92%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $375,000 $125,000 $4,815 4.17%
Kerrville, TX (FHA|USDA|VA) 1 $375,000 $375,000 $20,392 6.25%
SUMTER, SC (FHA|USDA|VA) 3 $365,000 $121,667 $7,266 5.42%
Hutchinson, KS (FHA|USDA|VA) 1 $365,000 $365,000 $4,923 3.00%
NEW BERN, NC (FHA|USDA|VA) 2 $360,000 $180,000 $5,471 4.06%
PITTSFIELD, MA (FHA|USDA|VA) 2 $360,000 $180,000 $8,394 4.87%
Ogdensburg-Massena, NY (FHA|USDA|VA) 2 $360,000 $180,000 $0 6.56%
Red Bluff, CA (FHA|USDA|VA) 1 $355,000 $355,000 $4,234 5.63%
Bonham, TX (FHA|USDA|VA) 1 $355,000 $355,000 $29,491 5.63%
Auburn, NY (FHA|USDA|VA) 1 $355,000 $355,000 $4,961 3.49%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $355,000 $355,000 $1,750 5.25%
Searcy, AR (FHA|USDA|VA) 1 $355,000 $355,000 $3,043 4.88%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $345,000 $115,000 $7,349 5.96%
Minot, ND (FHA|USDA|VA) 1 $345,000 $345,000 $7,777 2.63%
MONROE, MI (FHA|USDA|VA) 3 $345,000 $115,000 $3,933 4.50%
Grenada, MS (FHA|USDA|VA) 1 $335,000 $335,000 $6,436 2.88%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $335,000 $335,000 $8,312 8.00%
Rockingham, NC (FHA|USDA|VA) 2 $330,000 $165,000 $5,388 5.69%
Marion, NC (FHA|USDA|VA) 2 $330,000 $165,000 $3,234 6.25%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $330,000 $165,000 $6,983 5.50%
DULUTH, MN-WI (FHA|USDA|VA) 1 $325,000 $325,000 $2,637 5.99%
Warrensburg, MO (FHA|USDA|VA) 1 $325,000 $325,000 $2,122 3.75%
Elizabeth City, NC (FHA|USDA|VA) 1 $325,000 $325,000 $11,107 5.50%
Waycross, GA (FHA|USDA|VA) 1 $325,000 $325,000 $9,254 4.75%
Show Low, AZ (FHA|USDA|VA) 1 $325,000 $325,000 $4,646 5.75%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $320,000 $160,000 $4,126 7.54%
LEWISTON, ID-WA (FHA|USDA|VA) 2 $320,000 $160,000 $6,428 4.62%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $310,000 $155,000 $4,291 3.88%
Dayton, TN (FHA|USDA|VA) 2 $310,000 $155,000 $3,165 5.13%
Moscow, ID (FHA|USDA|VA) 1 $305,000 $305,000 $4,975 5.25%
Beeville, TX (FHA|USDA|VA) 1 $305,000 $305,000 $8,797 8.25%
Ashland, OH (FHA|USDA|VA) 1 $305,000 $305,000 $6,925 5.38%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $305,000 $305,000 $3,639 5.50%
Sweetwater, TX (FHA|USDA|VA) 1 $305,000 $305,000 $10,421 3.63%
Ashtabula, OH (FHA|USDA|VA) 2 $300,000 $150,000 $6,857 5.13%
Sandusky, OH (FHA|USDA|VA) 2 $300,000 $150,000 $0 7.88%
Ontario, OR-ID (FHA|USDA|VA) 1 $295,000 $295,000 $9,550 4.25%
Lufkin, TX (FHA|USDA|VA) 1 $295,000 $295,000 $7,985 5.88%
Cornelia, GA (FHA|USDA|VA) 1 $295,000 $295,000 $10,182 3.75%
GOLDSBORO, NC (FHA|USDA|VA) 2 $290,000 $145,000 $7,212 5.50%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $285,000 $285,000 $7,568 4.75%
Williston, ND (FHA|USDA|VA) 1 $285,000 $285,000 $3,172 4.88%
HAMMOND, LA (FHA|USDA|VA) 1 $285,000 $285,000 $13,683 6.75%
Farmington, MO (FHA|USDA|VA) 1 $285,000 $285,000 $6,325 4.75%
DALTON, GA (FHA|USDA|VA) 1 $285,000 $285,000 $8,517 5.50%
Paragould, AR (FHA|USDA|VA) 1 $285,000 $285,000 $5,138 3.25%
Spearfish, SD (FHA|USDA|VA) 1 $285,000 $285,000 $0 8.88%
Coffeyville, KS (FHA|USDA|VA) 1 $275,000 $275,000 $4,876 5.38%
Lake City, FL (FHA|USDA|VA) 1 $275,000 $275,000 $16,706 5.13%
DUBUQUE, IA (FHA|USDA|VA) 1 $275,000 $275,000 $8,441 5.00%
Selma, AL (FHA|USDA|VA) 3 $275,000 $91,667 $4,655 4.25%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $265,000 $265,000 $5,009 2.88%
DeRidder, LA (FHA|USDA|VA) 1 $265,000 $265,000 $5,915 5.75%
Marion, IN (FHA|USDA|VA) 2 $260,000 $130,000 $3,887 5.25%
Scottsboro, AL (FHA|USDA|VA) 1 $255,000 $255,000 $2,692 3.63%
Atmore, AL (FHA|USDA|VA) 1 $255,000 $255,000 $6,396 4.75%
Mason City, IA (FHA|USDA|VA) 1 $255,000 $255,000 $5,876 3.38%
Indianola, MS (FHA|USDA|VA) 1 $255,000 $255,000 $15,618 5.75%
ROME, GA (FHA|USDA|VA) 1 $245,000 $245,000 $10,050 3.75%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $245,000 $245,000 $9,364 6.63%
Del Rio, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,159 3.75%
ENID, OK (FHA|USDA|VA) 1 $245,000 $245,000 $0 3.88%
Red Wing, MN (FHA|USDA|VA) 1 $245,000 $245,000 $4,245 4.75%
Easton, MD (FHA|USDA|VA) 1 $235,000 $235,000 $12,652 5.75%
WILLIAMSPORT, PA (FHA|USDA|VA) 2 $230,000 $115,000 $0 6.13%
Brookings, OR (FHA|USDA|VA) 2 $230,000 $115,000 $2,582 5.63%
Ruston, LA (FHA|USDA|VA) 1 $225,000 $225,000 $12,340 3.00%
LAWRENCE, KS (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.63%
Laurinburg, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,339 3.88%
LAREDO, TX (FHA|USDA|VA) 1 $225,000 $225,000 $12,906 5.75%
New Castle, PA (FHA|USDA|VA) 1 $225,000 $225,000 $5,133 5.13%
MANKATO, MN (FHA|USDA|VA) 1 $225,000 $225,000 $2,088 2.25%
Salem, OH (FHA|USDA|VA) 2 $220,000 $110,000 $4,990 5.00%
ITHACA, NY (FHA|USDA|VA) 1 $215,000 $215,000 $0 7.50%
Sedalia, MO (FHA|USDA|VA) 1 $205,000 $205,000 $3,575 3.49%
Washington, NC (FHA|USDA|VA) 1 $205,000 $205,000 $8,883 7.00%
Morgan City, LA (FHA|USDA|VA) 1 $205,000 $205,000 $4,033 2.49%
Klamath Falls, OR (FHA|USDA|VA) 1 $205,000 $205,000 $3,083 4.88%
Lebanon, MO (FHA|USDA|VA) 1 $205,000 $205,000 $2,214 3.25%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,592 3.25%
Portales, NM (FHA|USDA|VA) 1 $205,000 $205,000 $6,889 3.50%
Scottsbluff, NE (FHA|USDA|VA) 1 $195,000 $195,000 $3,577 3.99%
Norwalk, OH (FHA|USDA|VA) 1 $195,000 $195,000 $8,625 4.49%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $195,000 $195,000 $6,373 4.25%
COLUMBUS, IN (FHA|USDA|VA) 2 $190,000 $95,000 $3,770 7.75%
Fairmont, WV (FHA|USDA|VA) 1 $185,000 $185,000 $9,243 4.50%
Mount Pleasant, MI (FHA|USDA|VA) 1 $185,000 $185,000 $8,244 5.75%
Coshocton, OH (FHA|USDA|VA) 1 $185,000 $185,000 $6,081 5.00%
MORGANTOWN, WV (FHA|USDA|VA) 1 $185,000 $185,000 $8,056 5.99%
Taos, NM (FHA|USDA|VA) 1 $175,000 $175,000 $5,193 4.25%
Crossville, TN (FHA|USDA|VA) 1 $165,000 $165,000 $6,477 5.13%
Connersville, IN (FHA|USDA|VA) 1 $165,000 $165,000 $6,119 6.75%
Susanville, CA (FHA|USDA|VA) 1 $165,000 $165,000 $7,855 4.75%
North Vernon, IN (FHA|USDA|VA) 2 $160,000 $80,000 $3,635 7.72%
Craig, CO (FHA|USDA|VA) 1 $155,000 $155,000 $3,285 3.75%
St. Marys, PA (FHA|USDA|VA) 1 $155,000 $155,000 $5,238 5.25%
Huntingdon, PA (FHA|USDA|VA) 1 $155,000 $155,000 $5,621 5.25%
KOKOMO, IN (FHA|USDA|VA) 2 $150,000 $75,000 $2,204 5.50%
Freeport, IL (FHA|USDA|VA) 1 $145,000 $145,000 $5,440 5.25%
Oxford, MS (FHA|USDA|VA) 1 $145,000 $145,000 $4,977 6.75%
Logansport, IN (FHA|USDA|VA) 1 $145,000 $145,000 $6,344 4.75%
Barre, VT (FHA|USDA|VA) 1 $145,000 $145,000 $6,517 3.25%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $145,000 $145,000 $0 6.13%
STAUNTON, VA (FHA|USDA|VA) 1 $145,000 $145,000 $4,868 5.50%
Ozark, AL (FHA|USDA|VA) 1 $145,000 $145,000 $5,920 4.75%
Grand Rapids, MN (FHA|USDA|VA) 1 $135,000 $135,000 $6,524 5.25%
Bluffton, IN (FHA|USDA|VA) 1 $135,000 $135,000 $3,752 3.75%
Tupelo, MS (FHA|USDA|VA) 1 $135,000 $135,000 $3,706 4.13%
Sidney, OH (FHA|USDA|VA) 1 $135,000 $135,000 $4,927 5.13%
Branson, MO (FHA|USDA|VA) 1 $135,000 $135,000 $4,583 6.50%
Harrison, AR (FHA|USDA|VA) 1 $135,000 $135,000 $3,327 6.88%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $125,000 $125,000 $5,769 5.25%
Paris, TN (FHA|USDA|VA) 1 $125,000 $125,000 $5,166 3.50%
Aberdeen, SD (FHA|USDA|VA) 1 $125,000 $125,000 $4,530 3.38%
Oil City, PA (FHA|USDA|VA) 1 $125,000 $125,000 $4,561 5.25%
Auburn, IN (FHA|USDA|VA) 1 $125,000 $125,000 $10,456 6.63%
TOPEKA, KS (FHA|USDA|VA) 1 $125,000 $125,000 $5,035 3.13%
CHARLESTON, WV (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.88%
Pahrump, NV (FHA|USDA|VA) 1 $125,000 $125,000 $4,254 4.88%
Fort Polk South, LA (FHA|USDA|VA) 1 $125,000 $125,000 $5,967 5.13%
Bay City, TX (FHA|USDA|VA) 1 $115,000 $115,000 $5,479 5.99%
BINGHAMTON, NY (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.00%
Toccoa, GA (FHA|USDA|VA) 1 $115,000 $115,000 $4,305 7.00%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $115,000 $115,000 $7,507 7.38%
Martinsville, VA (FHA|USDA|VA) 1 $115,000 $115,000 $8,206 4.13%
SAGINAW, MI (FHA|USDA|VA) 2 $110,000 $55,000 $3,546 4.06%
Vicksburg, MS (FHA|USDA|VA) 1 $105,000 $105,000 $6,262 5.38%
Cookeville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $2,883 3.25%
Owatonna, MN (FHA|USDA|VA) 1 $105,000 $105,000 $2,432 4.25%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $105,000 $105,000 $4,440 6.13%
Bedford, IN (FHA|USDA|VA) 1 $95,000 $95,000 $6,983 4.75%
McPherson, KS (FHA|USDA|VA) 1 $95,000 $95,000 $2,215 4.38%
DANVILLE, IL (FHA|USDA|VA) 2 $90,000 $45,000 $0 5.25%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $85,000 $85,000 $4,275 3.75%
Wilson, NC (FHA|USDA|VA) 1 $85,000 $85,000 $3,949 4.50%
Berlin, NH (FHA|USDA|VA) 1 $75,000 $75,000 $3,593 5.49%
Meridian, MS (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.13%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $65,000 $65,000 $4,398 5.99%
Fort Dodge, IA (FHA|USDA|VA) 1 $65,000 $65,000 $5,809 5.99%
Crawfordsville, IN (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.13%
Ponca City, OK (FHA|USDA|VA) 1 $55,000 $55,000 $0 4.25%
Decatur, IN (FHA|USDA|VA) 1 $55,000 $55,000 $2,490 3.63%
London, KY (FHA|USDA|VA) 1 $55,000 $55,000 $4,662 6.25%
Palestine, TX (FHA|USDA|VA) 1 $55,000 $55,000 $4,273 4.99%
Coldwater, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.38%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $45,000 $45,000 $2,426 4.25%
Kearney, NE (FHA|USDA|VA) 1 $25,000 $25,000 $1,009 9.20%
Northpointe Bank's top markets include New York, Denver, Louisville, Providence, and Miami among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Northpointe Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Foote Capital Mortgage Company
    Similarity Rank: 133
    Liberty Mortgage Corporation
    Similarity Rank: 315
    SUMMIT MORTGAGE BANKERS INC.
    Similarity Rank: 384
    Ridgewood Savings Bank
    Similarity Rank: 394
    SIKORSKY FINANCIAL
    Similarity Rank: 448
    LUSO-AMERICAN CREDIT UNION
    Similarity Rank: 474
    Piscataqua Savings Bank
    Similarity Rank: 526
    VISIONS
    Similarity Rank: 528
    POINT BREEZE
    Similarity Rank: 540

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 11,291 $4,171,575,000 $369,460 $6,922 5.06%
    FHA 2,122 $665,490,000 $313,615 $12,078 4.90%
    VA 953 $367,045,000 $385,147 $10,177 4.54%
    USDA 134 $27,450,000 $204,851 $6,699 4.39%

    For 2022, Northpointe Bank's most frequently originated type of loan was Conventional, with 11,291 originations. Their 2nd most popular type was FHA, with 2,122 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 11,280 $4,251,290,000 $376,887 $8,500 5.09%
    Cash Out Refi 2,278 $669,220,000 $293,775 $6,544 4.81%
    Refi 916 $308,360,000 $336,638 $5,584 4.18%
    Other 26 $2,690,000 $103,462 $2,015 8.45%

    For 2022, Northpointe Bank's most frequently cited loan purpose was Home Purchase, with 11,280 originations. The 2nd most popular reason was Cash Out Refi, with 2,278 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 13,624 $4,955,280,000 $363,717 $8,101 5.05%
    15 Year 589 $144,875,000 $245,968 $5,088 3.68%
    20 Year 107 $30,745,000 $287,336 $6,079 4.27%
    30+ year 80 $50,470,000 $630,875 $11,724 6.88%
    10 Year 36 $8,250,000 $229,167 $3,466 3.13%
    Other 34 $19,030,000 $559,706 $13,807 4.85%
    1 Year 30 $22,910,000 $763,667 $15,537 5.49%

    For 2022, Northpointe Bank's most frequently cited loan duration was 30 Year, with 13,624 originations. The 2nd most popular length was 15 Year, with 589 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 4,848 $1,736,720,000 $358,234
    $5k+ 3,192 $1,528,950,000 $478,994
    $2k-3k 1,771 $534,695,000 $301,917
    $3k-4k 1,441 $483,325,000 $335,409
    $4k-5k 1,037 $367,855,000 $354,730
    $<1k 727 $175,455,000 $241,341

    Northpointe Bank's average total fees were $8,101, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 4,848 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 4,096 $1,364,000,000 $333,008
    4-5% 3,646 $1,319,230,000 $361,829
    3-4% 3,339 $1,326,005,000 $397,126
    6-7% 1,780 $600,450,000 $337,331
    2.5-3% 604 $287,460,000 $475,927
    7-8% 539 $170,605,000 $316,521
    Over 8% 367 $111,955,000 $305,054
    <2.5% 129 $51,855,000 $401,977

    During 2022, Northpointe Bank's average interest rate for loans was 5.05%, while their most frequently originated rate bucket for loans was 5-6%, with 4,096 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 6,447 $1,886,415,000 $292,604 $7,402 4.96%
    $400k-600k 2,911 $1,408,035,000 $483,695 $9,947 4.86%
    $100k-200k 2,769 $427,165,000 $154,267 $5,091 5.19%
    $600k-1MM 1,303 $941,185,000 $722,322 $11,829 4.78%
    $100,000 or less 703 $50,115,000 $71,287 $2,991 5.73%
    $1MM+ 367 $518,645,000 $1,413,202 $15,536 4.49%

    2022 saw Northpointe Bank place emphasis on $200k-400k loans with 6,447 originations, totaling $1,886,415,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 3,327 $1,193,095,000 $358,610 $8,455 4.95%
    $50k-75k 2,639 $621,885,000 $235,652 $6,861 4.84%
    $150k-250k 2,626 $1,157,050,000 $440,613 $8,537 4.99%
    $75k-100k 2,414 $719,290,000 $297,966 $8,119 4.95%
    $250k+ 1,704 $1,157,400,000 $679,225 $9,891 5.00%
    $50k or less 1,143 $185,175,000 $162,008 $5,530 4.74%

    Northpointe Bank lent most frequently to those with incomes in the $100k-150k range, with 3,327 originations. The second most popular income band? $50k-75k, with 2,639 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 2,333 $849,925,000 $364,306 $7,016 4.87%
    20-30% 2,129 $764,835,000 $359,246 $6,553 4.77%
    50-60% 1,047 $376,485,000 $359,585 $12,527 4.85%
    42% 728 $298,070,000 $409,437 $8,158 5.09%
    49% 668 $233,880,000 $350,120 $8,900 5.13%
    <20% 639 $231,005,000 $361,510 $6,608 4.70%
    41% 612 $237,790,000 $388,546 $7,696 5.05%
    44% 606 $209,640,000 $345,941 $8,169 4.97%
    43% 588 $205,630,000 $349,711 $7,892 4.96%
    40% 584 $215,480,000 $368,973 $7,723 4.96%
    39% 569 $208,595,000 $366,599 $7,476 4.96%
    48% 522 $183,290,000 $351,130 $9,110 5.05%
    45% 517 $181,745,000 $351,538 $8,708 5.02%
    38% 514 $200,920,000 $390,895 $7,598 4.92%
    47% 491 $170,605,000 $347,464 $8,575 5.06%
    37% 488 $178,380,000 $365,533 $7,702 5.05%
    46% 462 $159,010,000 $344,177 $8,611 5.07%
    36% 437 $157,555,000 $360,538 $7,203 4.92%
    >60% 9 $4,245,000 $471,667 $17,031 4.39%

    Northpointe Bank lent most frequently to those with DTI ratios of 30-36%, with 2,333 originations. The next most common DTI ratio? 20-30%, with 2,129 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 9,460 $3,310,150,000 $349,910 $7,543 4.97%
    Not provided 2,719 $1,077,445,000 $396,265 $9,082 4.95%
    Asian 907 $379,225,000 $418,109 $7,913 4.84%
    Black 1,067 $345,915,000 $324,194 $9,268 5.11%
    Not applicable 172 $51,330,000 $298,430 $7,822 6.81%
    American Indian 88 $30,860,000 $350,682 $7,778 4.84%
    Asian Indian 28 $14,780,000 $527,857 $13,896 5.44%
    Native Hawaiian or Islander 28 $10,910,000 $389,643 $9,143 5.15%
    Other Asian 11 $3,575,000 $325,000 $7,000 4.92%
    Vietnamese 6 $2,410,000 $401,667 $9,924 5.94%
    Filipino 4 $1,900,000 $475,000 $25,987 7.53%
    Chinese 5 $1,485,000 $297,000 $10,732 5.05%
    Other Pacific Islander 3 $885,000 $295,000 $2,981 5.75%
    Korean 1 $425,000 $425,000 $5,131 5.13%
    Japanese 1 $265,000 $265,000 $5,279 3.25%

    Approval Rates

    Total approvals of all applications
    96.80%

    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
    48.10%

    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 14,500 $5,231,560,000 $360,797

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    14,500 $5,231,560,000 $360,797

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 560 $119,600,000 $213,571 $4,392 5.14%
    40-60% 1,363 $437,745,000 $321,163 $5,892 4.68%
    60-80% 4,585 $1,653,165,000 $360,559 $7,680 5.08%
    80-100% 7,431 $2,881,635,000 $387,786 $8,716 4.93%
    Over 100% 270 $109,770,000 $406,556 $15,628 4.55%
    Under 20% 291 $29,645,000 $101,873 $2,066 6.75%