Northpointe Bank Mortgage Rates, Fees & Info

Grand Rapids, MI

LEI: 549300UXY7OP0IC38293

Tax ID: 38-3448372

4.1 stars - out of 5 stars, based on 155 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Northpointe Bank is a mid-sized bank specializing in Home Purchase and Refi 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 Denver, New York, Providence, Colorado Springs, and Atlanta among others. Northpointe Bank has an above average approval rate for mortages when compared nationally. 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

24,160

Origination Dollar Volume (All Markets)

$7,384,930,000

Employee count

1,233 Show all (29) awards

Relative Rate

Northpointe Bank's average 30 year fixed rate mortgage of loans were 3.21%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.06%.

Relative Fees

Northpointe Bank's average total fees for a 30 year fixed rate mortgage are $5,505.

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 $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1,494 $583,150,000 $390,328 $6,312 3.16%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1,384 $551,020,000 $398,136 $7,652 3.13%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1,240 $361,280,000 $291,355 $5,497 3.14%
COLORADO SPRINGS, CO (FHA|USDA|VA) 880 $325,860,000 $370,295 $6,257 3.12%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 925 $315,955,000 $341,573 $4,402 3.04%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1,066 $267,340,000 $250,788 $3,509 3.07%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 716 $256,320,000 $357,989 $6,523 3.11%
Outside of Metro Areas 687 $171,745,000 $249,993 $4,508 3.10%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 386 $159,780,000 $413,938 $5,126 2.81%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 668 $159,070,000 $238,129 $5,338 3.05%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 615 $157,995,000 $256,902 $5,086 3.08%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 453 $125,525,000 $277,097 $3,425 3.03%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 444 $120,930,000 $272,365 $4,480 3.21%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 211 $119,725,000 $567,417 $5,410 3.03%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 471 $118,005,000 $250,541 $3,289 3.27%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 269 $106,275,000 $395,074 $4,721 2.99%
READING, PA (FHA|USDA|VA) 485 $96,745,000 $199,474 $5,562 3.10%
RENO, NV (FHA|USDA|VA) 264 $94,710,000 $358,750 $5,659 3.22%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 260 $90,600,000 $348,462 $5,653 3.22%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 219 $80,165,000 $366,050 $5,252 3.23%
GRAND JUNCTION, CO (FHA|USDA|VA) 301 $79,315,000 $263,505 $5,554 3.05%
SALT LAKE CITY, UT (FHA|USDA|VA) 185 $76,015,000 $410,892 $7,136 3.05%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 235 $73,745,000 $313,809 $6,718 3.25%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 154 $69,430,000 $450,844 $6,182 3.10%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 327 $68,925,000 $210,780 $3,875 3.17%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 184 $67,960,000 $369,348 $6,652 3.20%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 198 $67,600,000 $341,414 $4,214 3.02%
RALEIGH-CARY, NC (FHA|USDA|VA) 182 $61,440,000 $337,582 $4,018 3.00%
PORT ST. LUCIE, FL (FHA|USDA|VA) 210 $58,880,000 $280,381 $5,218 2.95%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 194 $57,870,000 $298,299 $5,434 3.23%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 240 $57,640,000 $240,167 $3,308 3.04%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 172 $56,870,000 $330,640 $4,884 3.08%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 183 $55,625,000 $303,962 $4,362 3.18%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 254 $51,930,000 $204,449 $5,722 3.25%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 171 $50,975,000 $298,099 $6,203 3.21%
YORK-HANOVER, PA (FHA|USDA|VA) 219 $49,505,000 $226,050 $5,500 3.00%
DOVER, DE (FHA|USDA|VA) 194 $48,640,000 $250,722 $6,525 3.12%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 144 $48,490,000 $336,736 $6,694 3.12%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 198 $48,250,000 $243,687 $3,960 3.03%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 165 $47,505,000 $287,909 $4,972 3.03%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 82 $47,330,000 $577,195 $4,220 2.92%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 143 $45,775,000 $320,105 $4,102 3.15%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 150 $38,200,000 $254,667 $4,092 3.09%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 87 $37,635,000 $432,586 $5,879 3.29%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 99 $36,595,000 $369,646 $4,322 3.12%
Holland, MI (FHA|USDA|VA) 141 $36,385,000 $258,050 $3,735 3.10%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 99 $34,875,000 $352,273 $6,586 3.03%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 119 $34,555,000 $290,378 $6,163 3.17%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 67 $33,305,000 $497,090 $4,418 2.85%
SPRINGFIELD, MO (FHA|USDA|VA) 199 $33,175,000 $166,709 $2,526 2.92%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 79 $33,055,000 $418,418 $3,928 2.88%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 100 $31,960,000 $319,600 $3,947 2.89%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 106 $31,530,000 $297,453 $3,606 3.12%
WILMINGTON, NC (FHA|USDA|VA) 102 $29,790,000 $292,059 $3,899 3.02%
GREELEY, CO (FHA|USDA|VA) 79 $29,495,000 $373,354 $8,278 3.18%
SALISBURY, MD-DE (FHA|USDA|VA) 106 $29,000,000 $273,585 $5,261 3.07%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 112 $28,580,000 $255,179 $4,362 3.05%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 91 $26,945,000 $296,099 $4,991 3.08%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 87 $26,115,000 $300,172 $4,750 3.10%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 83 $25,945,000 $312,590 $2,879 2.82%
WORCESTER, MA-CT (FHA|USDA|VA) 87 $25,865,000 $297,299 $5,244 3.06%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 123 $24,505,000 $199,228 $5,480 2.91%
PROVO-OREM, UT (FHA|USDA|VA) 64 $24,450,000 $382,031 $7,198 2.95%
COLUMBUS, OH (FHA|USDA|VA) 93 $24,225,000 $260,484 $4,298 3.29%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 95 $23,985,000 $252,474 $7,452 3.03%
Glenwood Springs, CO (FHA|USDA|VA) 60 $20,280,000 $338,000 $4,297 3.12%
PUEBLO, CO (FHA|USDA|VA) 70 $17,660,000 $252,286 $5,602 3.15%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 98 $17,600,000 $179,592 $3,888 3.23%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 106 $16,810,000 $158,585 $4,969 3.31%
KANSAS CITY, MO-KS (FHA|USDA|VA) 54 $15,770,000 $292,037 $3,893 3.18%
BOULDER, CO (FHA|USDA|VA) 35 $15,375,000 $439,286 $4,309 3.17%
KNOXVILLE, TN (FHA|USDA|VA) 55 $15,255,000 $277,364 $3,660 3.26%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 52 $14,630,000 $281,346 $3,377 2.89%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 35 $14,495,000 $414,143 $5,520 3.57%
MUSKEGON, MI (FHA|USDA|VA) 85 $14,375,000 $169,118 $2,919 3.24%
Sevierville, TN (FHA|USDA|VA) 36 $13,760,000 $382,222 $6,268 3.37%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 32 $13,710,000 $428,438 $7,403 3.12%
Jefferson, GA (FHA|USDA|VA) 50 $13,230,000 $264,600 $4,194 3.03%
JACKSONVILLE, FL (FHA|USDA|VA) 47 $13,115,000 $279,043 $4,633 3.18%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 40 $12,920,000 $323,000 $5,856 3.27%
OCALA, FL (FHA|USDA|VA) 45 $12,785,000 $284,111 $5,824 3.35%
RICHMOND, VA (FHA|USDA|VA) 38 $11,920,000 $313,684 $4,540 2.88%
FAYETTEVILLE, NC (FHA|USDA|VA) 49 $11,735,000 $239,490 $6,338 3.11%
Fernley, NV (FHA|USDA|VA) 45 $11,615,000 $258,111 $5,791 3.22%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 52 $11,550,000 $222,115 $5,284 3.09%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 37 $11,375,000 $307,432 $4,639 2.93%
Breckenridge, CO (FHA|USDA|VA) 22 $10,920,000 $496,364 $4,966 3.15%
FORT COLLINS, CO (FHA|USDA|VA) 31 $10,825,000 $349,194 $6,275 3.06%
PITTSBURGH, PA (FHA|USDA|VA) 46 $10,560,000 $229,565 $4,502 3.09%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 44 $10,470,000 $237,955 $5,099 2.98%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 17 $10,275,000 $604,412 $4,847 2.63%
STOCKTON, CA (FHA|USDA|VA) 25 $10,195,000 $407,800 $3,726 3.18%
WINSTON-SALEM, NC (FHA|USDA|VA) 35 $9,855,000 $281,571 $4,350 3.27%
LANCASTER, PA (FHA|USDA|VA) 44 $9,850,000 $223,864 $5,216 2.99%
TUCSON, AZ (FHA|USDA|VA) 34 $9,830,000 $289,118 $3,316 3.03%
ST. LOUIS, MO-IL (FHA|USDA|VA) 50 $9,660,000 $193,200 $3,476 3.31%
BOISE CITY, ID (FHA|USDA|VA) 25 $9,075,000 $363,000 $4,833 2.92%
LEBANON, PA (FHA|USDA|VA) 40 $8,990,000 $224,750 $5,651 3.05%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 31 $8,925,000 $287,903 $3,554 3.23%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 34 $8,630,000 $253,824 $3,350 3.19%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 14 $8,400,000 $600,000 $8,055 2.99%
DAYTON-KETTERING, OH (FHA|USDA|VA) 39 $8,265,000 $211,923 $4,120 2.99%
VALLEJO, CA (FHA|USDA|VA) 22 $8,220,000 $373,636 $5,241 3.01%
GAINESVILLE, GA (FHA|USDA|VA) 26 $8,120,000 $312,308 $4,090 3.11%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 39 $8,005,000 $205,256 $4,606 3.24%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 41 $7,835,000 $191,098 $5,271 3.25%
FORT WAYNE, IN (FHA|USDA|VA) 30 $7,690,000 $256,333 $3,222 3.10%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 15 $7,675,000 $511,667 $4,502 2.95%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 34 $7,640,000 $224,706 $4,163 3.11%
Gardnerville Ranchos, NV (FHA|USDA|VA) 18 $7,500,000 $416,667 $6,682 3.21%
PUNTA GORDA, FL (FHA|USDA|VA) 28 $7,500,000 $267,857 $5,203 3.39%
GETTYSBURG, PA (FHA|USDA|VA) 33 $7,475,000 $226,515 $5,192 3.02%
COLUMBIA, SC (FHA|USDA|VA) 31 $6,925,000 $223,387 $4,230 3.22%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 25 $6,835,000 $273,400 $5,450 3.23%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 18 $6,780,000 $376,667 $4,227 3.04%
Heber, UT (FHA|USDA|VA) 9 $6,595,000 $732,778 $8,403 3.07%
ALBUQUERQUE, NM (FHA|USDA|VA) 22 $6,580,000 $299,091 $4,939 2.78%
ASHEVILLE, NC (FHA|USDA|VA) 18 $6,560,000 $364,444 $4,652 3.13%
HUNTSVILLE, AL (FHA|USDA|VA) 30 $6,540,000 $218,000 $4,712 3.26%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 25 $6,485,000 $259,400 $2,821 2.81%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 13 $6,455,000 $496,538 $4,825 2.91%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 20 $6,220,000 $311,000 $3,587 2.81%
CARSON CITY, NV (FHA|USDA|VA) 20 $6,130,000 $306,500 $5,285 3.47%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 19 $6,065,000 $319,211 $5,407 2.93%
TUSCALOOSA, AL (FHA|USDA|VA) 26 $5,970,000 $229,615 $6,199 3.26%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 21 $5,965,000 $284,048 $5,821 3.10%
Outside of Metro Areas 17 $5,775,000 $339,706 $4,499 3.30%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 24 $5,760,000 $240,000 $4,609 3.08%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 17 $5,685,000 $334,412 $4,631 2.95%
FRESNO, CA (FHA|USDA|VA) 16 $5,650,000 $353,125 $4,331 3.29%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 16 $5,540,000 $346,250 $5,041 3.12%
ANN ARBOR, MI (FHA|USDA|VA) 18 $5,380,000 $298,889 $3,135 2.94%
Cañon City, CO (FHA|USDA|VA) 17 $5,375,000 $316,176 $5,188 3.28%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 10 $5,250,000 $525,000 $7,628 3.15%
DuBois, PA (FHA|USDA|VA) 35 $5,145,000 $147,000 $5,718 3.35%
SAVANNAH, GA (FHA|USDA|VA) 19 $5,125,000 $269,737 $7,514 3.34%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 18 $5,080,000 $282,222 $4,869 3.49%
JOPLIN, MO (FHA|USDA|VA) 30 $5,080,000 $169,333 $2,705 2.83%
LOGAN, UT-ID (FHA|USDA|VA) 17 $5,055,000 $297,353 $5,414 2.96%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 15 $4,965,000 $331,000 $3,318 2.84%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 17 $4,835,000 $284,412 $5,481 2.80%
AKRON, OH (FHA|USDA|VA) 27 $4,585,000 $169,815 $3,205 3.41%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 21 $4,585,000 $218,333 $6,543 3.21%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 23 $4,465,000 $194,130 $4,281 3.10%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 10 $4,440,000 $444,000 $3,362 2.85%
Traverse City, MI (FHA|USDA|VA) 13 $4,345,000 $334,231 $4,011 2.96%
PANAMA CITY, FL (FHA|USDA|VA) 12 $4,150,000 $345,833 $7,316 3.95%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 14 $4,110,000 $293,571 $5,643 3.34%
IOWA CITY, IA (FHA|USDA|VA) 14 $4,040,000 $288,571 $3,633 3.05%
OCEAN CITY, NJ (FHA|USDA|VA) 12 $4,030,000 $335,833 $4,624 2.95%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 13 $3,995,000 $307,308 $2,581 2.68%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 18 $3,950,000 $219,444 $4,131 3.15%
Lebanon, MO (FHA|USDA|VA) 19 $3,915,000 $206,053 $2,518 3.05%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 10 $3,910,000 $391,000 $8,461 3.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 14 $3,840,000 $274,286 $6,752 3.13%
NAPA, CA (FHA|USDA|VA) 6 $3,810,000 $635,000 $7,132 2.71%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 14 $3,760,000 $268,571 $4,142 3.13%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 14 $3,710,000 $265,000 $6,109 3.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 9 $3,605,000 $400,556 $7,064 3.00%
Morehead City, NC (FHA|USDA|VA) 9 $3,555,000 $395,000 $3,212 2.82%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 10 $3,540,000 $354,000 $3,000 3.15%
Vernal, UT (FHA|USDA|VA) 16 $3,460,000 $216,250 $7,044 3.03%
Edwards, CO (FHA|USDA|VA) 6 $3,390,000 $565,000 $5,069 3.35%
Corsicana, TX (FHA|USDA|VA) 16 $3,340,000 $208,750 $8,493 2.97%
MONTGOMERY, AL (FHA|USDA|VA) 26 $3,310,000 $127,308 $5,635 3.68%
URBAN HONOLULU, HI (FHA|USDA|VA) 6 $3,310,000 $551,667 $7,158 3.17%
SANTA FE, NM (FHA|USDA|VA) 11 $3,295,000 $299,545 $4,612 2.89%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 16 $3,170,000 $198,125 $3,538 3.29%
FLAGSTAFF, AZ (FHA|USDA|VA) 8 $3,120,000 $390,000 $4,936 2.99%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 15 $3,065,000 $204,333 $3,814 2.87%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 9 $2,975,000 $330,556 $4,508 2.73%
Pottsville, PA (FHA|USDA|VA) 15 $2,975,000 $198,333 $5,130 3.19%
GREENVILLE, NC (FHA|USDA|VA) 15 $2,955,000 $197,000 $4,277 3.17%
ROANOKE, VA (FHA|USDA|VA) 9 $2,905,000 $322,778 $3,022 2.79%
FLINT, MI (FHA|USDA|VA) 17 $2,885,000 $169,706 $3,205 2.90%
SPRINGFIELD, MA (FHA|USDA|VA) 11 $2,875,000 $261,364 $4,825 3.37%
TULSA, OK (FHA|USDA|VA) 15 $2,835,000 $189,000 $4,224 3.37%
SALINAS, CA (FHA|USDA|VA) 5 $2,785,000 $557,000 $6,888 2.88%
Lebanon, NH-VT (FHA|USDA|VA) 10 $2,760,000 $276,000 $4,054 3.15%
GAINESVILLE, FL (FHA|USDA|VA) 11 $2,725,000 $247,727 $4,657 3.04%
Richmond-Berea, KY (FHA|USDA|VA) 13 $2,705,000 $208,077 $4,756 3.18%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $2,530,000 $421,667 $8,524 3.10%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $2,525,000 $505,000 $6,779 3.33%
SALEM, OR (FHA|USDA|VA) 6 $2,460,000 $410,000 $5,898 2.94%
NILES, MI (FHA|USDA|VA) 11 $2,455,000 $223,182 $3,342 2.79%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 8 $2,430,000 $303,750 $4,001 3.22%
ANCHORAGE, AK (FHA|USDA|VA) 9 $2,335,000 $259,444 $4,817 3.54%
JACKSON, MI (FHA|USDA|VA) 15 $2,295,000 $153,000 $3,633 3.22%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 5 $2,275,000 $455,000 $3,681 2.98%
Fallon, NV (FHA|USDA|VA) 9 $2,265,000 $251,667 $6,644 3.50%
THE VILLAGES, FL (FHA|USDA|VA) 8 $2,260,000 $282,500 $5,601 3.05%
EL PASO, TX (FHA|USDA|VA) 15 $2,235,000 $149,000 $5,408 2.87%
Kalispell, MT (FHA|USDA|VA) 4 $2,220,000 $555,000 $7,395 3.06%
Truckee-Grass Valley, CA (FHA|USDA|VA) 6 $2,200,000 $366,667 $3,049 2.48%
BATON ROUGE, LA (FHA|USDA|VA) 8 $2,190,000 $273,750 $5,842 3.03%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 9 $2,175,000 $241,667 $5,740 2.82%
Kill Devil Hills, NC (FHA|USDA|VA) 7 $2,165,000 $309,286 $3,798 3.21%
Bennington, VT (FHA|USDA|VA) 5 $2,145,000 $429,000 $7,817 3.03%
MISSOULA, MT (FHA|USDA|VA) 7 $2,125,000 $303,571 $3,909 3.23%
MODESTO, CA (FHA|USDA|VA) 7 $2,085,000 $297,857 $3,444 2.71%
MOBILE, AL (FHA|USDA|VA) 9 $2,065,000 $229,444 $4,205 3.11%
HINESVILLE, GA (FHA|USDA|VA) 11 $2,045,000 $185,909 $6,912 3.00%
Bardstown, KY (FHA|USDA|VA) 8 $2,040,000 $255,000 $3,210 2.91%
Cullowhee, NC (FHA|USDA|VA) 5 $2,015,000 $403,000 $6,133 3.93%
Sandpoint, ID (FHA|USDA|VA) 7 $1,995,000 $285,000 $6,460 3.07%
VISALIA, CA (FHA|USDA|VA) 8 $1,980,000 $247,500 $4,611 2.60%
Montrose, CO (FHA|USDA|VA) 7 $1,975,000 $282,143 $4,077 3.07%
COLUMBUS, GA-AL (FHA|USDA|VA) 9 $1,965,000 $218,333 $4,064 3.29%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 9 $1,965,000 $218,333 $4,053 3.10%
CEDAR RAPIDS, IA (FHA|USDA|VA) 8 $1,950,000 $243,750 $3,851 2.95%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 12 $1,950,000 $162,500 $3,264 3.11%
DOTHAN, AL (FHA|USDA|VA) 10 $1,940,000 $194,000 $4,087 2.90%
MORRISTOWN, TN (FHA|USDA|VA) 7 $1,905,000 $272,143 $4,551 3.31%
BLOOMINGTON, IN (FHA|USDA|VA) 8 $1,900,000 $237,500 $3,551 3.58%
Georgetown, SC (FHA|USDA|VA) 7 $1,855,000 $265,000 $3,234 2.88%
Hilo, HI (FHA|USDA|VA) 5 $1,825,000 $365,000 $11,084 3.63%
SPARTANBURG, SC (FHA|USDA|VA) 10 $1,820,000 $182,000 $3,329 3.12%
BATTLE CREEK, MI (FHA|USDA|VA) 8 $1,810,000 $226,250 $3,461 3.30%
RAPID CITY, SD (FHA|USDA|VA) 5 $1,795,000 $359,000 $5,528 3.33%
BEND, OR (FHA|USDA|VA) 5 $1,745,000 $349,000 $6,372 4.28%
Key West, FL (FHA|USDA|VA) 4 $1,730,000 $432,500 $6,328 3.06%
Fort Morgan, CO (FHA|USDA|VA) 8 $1,710,000 $213,750 $4,655 3.06%
BAKERSFIELD, CA (FHA|USDA|VA) 6 $1,710,000 $285,000 $4,775 2.81%
Steamboat Springs, CO (FHA|USDA|VA) 5 $1,685,000 $337,000 $3,051 3.67%
JACKSONVILLE, NC (FHA|USDA|VA) 7 $1,665,000 $237,857 $4,225 3.09%
Durango, CO (FHA|USDA|VA) 5 $1,635,000 $327,000 $4,350 3.55%
Lewisburg, TN (FHA|USDA|VA) 6 $1,590,000 $265,000 $4,362 3.37%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 10 $1,590,000 $159,000 $3,818 3.69%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 7 $1,575,000 $225,000 $4,131 2.75%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 9 $1,575,000 $175,000 $2,863 3.29%
Cadillac, MI (FHA|USDA|VA) 8 $1,540,000 $192,500 $2,618 2.98%
Frankfort, KY (FHA|USDA|VA) 8 $1,510,000 $188,750 $5,036 3.20%
Bedford, IN (FHA|USDA|VA) 9 $1,485,000 $165,000 $3,311 3.12%
IDAHO FALLS, ID (FHA|USDA|VA) 5 $1,455,000 $291,000 $5,594 3.25%
Warsaw, IN (FHA|USDA|VA) 5 $1,445,000 $289,000 $2,298 3.25%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 8 $1,430,000 $178,750 $4,782 3.42%
LAS CRUCES, NM (FHA|USDA|VA) 8 $1,430,000 $178,750 $3,950 2.77%
EAST STROUDSBURG, PA (FHA|USDA|VA) 7 $1,415,000 $202,143 $4,646 3.37%
Oak Harbor, WA (FHA|USDA|VA) 4 $1,400,000 $350,000 $4,118 3.11%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 11 $1,395,000 $126,818 $4,065 3.35%
MIDLAND, MI (FHA|USDA|VA) 7 $1,395,000 $199,286 $2,904 2.84%
Tullahoma-Manchester, TN (FHA|USDA|VA) 4 $1,380,000 $345,000 $4,885 3.72%
Torrington, CT (FHA|USDA|VA) 7 $1,375,000 $196,429 $4,713 3.45%
LINCOLN, NE (FHA|USDA|VA) 7 $1,365,000 $195,000 $6,310 3.11%
Rockport, TX (FHA|USDA|VA) 4 $1,360,000 $340,000 $6,971 3.13%
Danville, KY (FHA|USDA|VA) 6 $1,350,000 $225,000 $5,101 3.04%
BANGOR, ME (FHA|USDA|VA) 5 $1,345,000 $269,000 $4,331 3.15%
LONGVIEW, WA (FHA|USDA|VA) 5 $1,345,000 $269,000 $6,662 2.99%
North Wilkesboro, NC (FHA|USDA|VA) 7 $1,335,000 $190,714 $4,781 3.58%
Granbury, TX (FHA|USDA|VA) 5 $1,335,000 $267,000 $5,855 3.48%
SHERMAN-DENISON, TX (FHA|USDA|VA) 6 $1,330,000 $221,667 $4,249 2.79%
BOWLING GREEN, KY (FHA|USDA|VA) 5 $1,315,000 $263,000 $3,482 3.13%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 6 $1,310,000 $218,333 $2,161 3.06%
MADISON, WI (FHA|USDA|VA) 4 $1,310,000 $327,500 $3,388 3.16%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 3 $1,295,000 $431,667 $6,553 3.11%
WICHITA, KS (FHA|USDA|VA) 8 $1,290,000 $161,250 $3,233 3.31%
TALLAHASSEE, FL (FHA|USDA|VA) 8 $1,280,000 $160,000 $3,762 3.44%
JACKSON, MS (FHA|USDA|VA) 8 $1,270,000 $158,750 $3,781 3.42%
WENATCHEE, WA (FHA|USDA|VA) 3 $1,265,000 $421,667 $5,127 3.29%
HAMMOND, LA (FHA|USDA|VA) 6 $1,260,000 $210,000 $3,996 2.90%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 9 $1,255,000 $139,444 $5,793 3.14%
LYNCHBURG, VA (FHA|USDA|VA) 5 $1,255,000 $251,000 $5,182 3.55%
Laconia, NH (FHA|USDA|VA) 5 $1,245,000 $249,000 $3,982 3.32%
Cornelia, GA (FHA|USDA|VA) 4 $1,220,000 $305,000 $4,246 2.69%
FLORENCE, SC (FHA|USDA|VA) 4 $1,220,000 $305,000 $7,293 3.25%
MONROE, MI (FHA|USDA|VA) 6 $1,220,000 $203,333 $2,672 3.09%
STAUNTON, VA (FHA|USDA|VA) 4 $1,210,000 $302,500 $2,290 2.44%
MERCED, CA (FHA|USDA|VA) 3 $1,205,000 $401,667 $4,692 2.90%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 5 $1,195,000 $239,000 $4,079 2.85%
BELLINGHAM, WA (FHA|USDA|VA) 3 $1,195,000 $398,333 $2,968 2.67%
CLEVELAND, TN (FHA|USDA|VA) 4 $1,190,000 $297,500 $4,927 3.50%
MIDLAND, TX (FHA|USDA|VA) 4 $1,180,000 $295,000 $4,155 2.84%
WINCHESTER, VA-WV (FHA|USDA|VA) 4 $1,170,000 $292,500 $4,752 3.03%
Angola, IN (FHA|USDA|VA) 4 $1,170,000 $292,500 $3,067 2.65%
ST. GEORGE, UT (FHA|USDA|VA) 5 $1,165,000 $233,000 $4,942 3.04%
Gainesville, TX (FHA|USDA|VA) 3 $1,155,000 $385,000 $4,916 3.42%
Whitewater, WI (FHA|USDA|VA) 5 $1,145,000 $229,000 $2,934 3.13%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 4 $1,140,000 $285,000 $4,185 3.49%
Ukiah, CA (FHA|USDA|VA) 3 $1,135,000 $378,333 $2,447 2.96%
CORPUS CHRISTI, TX (FHA|USDA|VA) 6 $1,130,000 $188,333 $4,194 4.17%
JOHNSON CITY, TN (FHA|USDA|VA) 5 $1,125,000 $225,000 $4,342 2.88%
EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $1,125,000 $375,000 $1,904 4.00%
Kerrville, TX (FHA|USDA|VA) 5 $1,095,000 $219,000 $7,048 3.00%
TERRE HAUTE, IN (FHA|USDA|VA) 9 $1,095,000 $121,667 $2,914 3.47%
LUBBOCK, TX (FHA|USDA|VA) 3 $1,075,000 $358,333 $4,745 3.46%
Rexburg, ID (FHA|USDA|VA) 2 $1,050,000 $525,000 $4,419 2.88%
CANTON-MASSILLON, OH (FHA|USDA|VA) 7 $1,045,000 $149,286 $4,475 2.89%
ROCHESTER, MN (FHA|USDA|VA) 4 $1,040,000 $260,000 $2,760 2.84%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 4 $1,040,000 $260,000 $2,493 3.06%
Cambridge, MD (FHA|USDA|VA) 3 $1,025,000 $341,667 $6,044 2.88%
Seneca, SC (FHA|USDA|VA) 2 $1,020,000 $510,000 $3,746 2.81%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 4 $1,010,000 $252,500 $5,779 2.97%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 8 $1,000,000 $125,000 $5,842 3.85%
Branson, MO (FHA|USDA|VA) 5 $995,000 $199,000 $3,275 3.62%
TOLEDO, OH (FHA|USDA|VA) 4 $980,000 $245,000 $5,452 3.31%
Toccoa, GA (FHA|USDA|VA) 3 $975,000 $325,000 $4,042 2.96%
Selma, AL (FHA|USDA|VA) 7 $965,000 $137,857 $6,259 3.34%
Elko, NV (FHA|USDA|VA) 4 $960,000 $240,000 $7,281 2.97%
Boone, NC (FHA|USDA|VA) 2 $950,000 $475,000 $4,522 3.06%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 4 $950,000 $237,500 $3,424 3.13%
COLUMBUS, IN (FHA|USDA|VA) 3 $925,000 $308,333 $3,097 3.13%
EAU CLAIRE, WI (FHA|USDA|VA) 3 $905,000 $301,667 $4,109 2.58%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 5 $895,000 $179,000 $3,544 3.50%
Ellensburg, WA (FHA|USDA|VA) 2 $890,000 $445,000 $3,707 3.31%
GADSDEN, AL (FHA|USDA|VA) 4 $890,000 $222,500 $5,488 3.13%
LAWTON, OK (FHA|USDA|VA) 5 $885,000 $177,000 $6,393 3.10%
MANHATTAN, KS (FHA|USDA|VA) 3 $875,000 $291,667 $6,278 3.00%
Taos, NM (FHA|USDA|VA) 3 $875,000 $291,667 $7,025 3.46%
WARNER ROBINS, GA (FHA|USDA|VA) 9 $875,000 $97,222 $4,254 3.81%
MANSFIELD, OH (FHA|USDA|VA) 4 $870,000 $217,500 $9,980 2.89%
Washington, NC (FHA|USDA|VA) 3 $865,000 $288,333 $3,533 2.92%
Mount Sterling, KY (FHA|USDA|VA) 5 $865,000 $173,000 $3,665 2.98%
TYLER, TX (FHA|USDA|VA) 3 $855,000 $285,000 $5,849 3.33%
Sanford, NC (FHA|USDA|VA) 4 $850,000 $212,500 $3,786 3.34%
CHEYENNE, WY (FHA|USDA|VA) 3 $835,000 $278,333 $5,753 3.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $820,000 $410,000 $3,913 2.94%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 4 $820,000 $205,000 $5,117 2.75%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 4 $810,000 $202,500 $4,850 2.44%
Mount Airy, NC (FHA|USDA|VA) 2 $810,000 $405,000 $7,403 2.88%
Big Rapids, MI (FHA|USDA|VA) 3 $805,000 $268,333 $3,707 3.04%
BRUNSWICK, GA (FHA|USDA|VA) 3 $805,000 $268,333 $3,211 2.71%
DULUTH, MN-WI (FHA|USDA|VA) 3 $795,000 $265,000 $3,483 2.54%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $790,000 $395,000 $5,638 3.25%
ROCKFORD, IL (FHA|USDA|VA) 5 $775,000 $155,000 $3,156 2.95%
LONGVIEW, TX (FHA|USDA|VA) 5 $775,000 $155,000 $5,593 3.27%
BURLINGTON, NC (FHA|USDA|VA) 6 $770,000 $128,333 $2,922 3.06%
FAIRBANKS, AK (FHA|USDA|VA) 4 $760,000 $190,000 $6,378 3.22%
Port Angeles, WA (FHA|USDA|VA) 3 $745,000 $248,333 $2,607 2.38%
GREEN BAY, WI (FHA|USDA|VA) 2 $740,000 $370,000 $2,167 2.94%
Astoria, OR (FHA|USDA|VA) 3 $735,000 $245,000 $4,811 3.08%
Talladega-Sylacauga, AL (FHA|USDA|VA) 5 $735,000 $147,000 $4,983 4.00%
Scottsburg, IN (FHA|USDA|VA) 5 $735,000 $147,000 $5,086 3.03%
Concord, NH (FHA|USDA|VA) 2 $730,000 $365,000 $3,672 2.63%
Sonora, CA (FHA|USDA|VA) 2 $730,000 $365,000 $4,173 2.81%
MEDFORD, OR (FHA|USDA|VA) 3 $725,000 $241,667 $8,086 3.63%
COLUMBIA, MO (FHA|USDA|VA) 3 $725,000 $241,667 $3,675 2.92%
Shelton, WA (FHA|USDA|VA) 3 $705,000 $235,000 $5,346 3.04%
REDDING, CA (FHA|USDA|VA) 2 $700,000 $350,000 $4,211 3.19%
HOT SPRINGS, AR (FHA|USDA|VA) 3 $695,000 $231,667 $3,236 3.07%
Findlay, OH (FHA|USDA|VA) 2 $690,000 $345,000 $4,027 3.50%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 4 $690,000 $172,500 $3,845 3.25%
Cedar City, UT (FHA|USDA|VA) 2 $680,000 $340,000 $2,855 2.88%
Craig, CO (FHA|USDA|VA) 3 $665,000 $221,667 $6,167 3.04%
Show Low, AZ (FHA|USDA|VA) 2 $640,000 $320,000 $2,770 3.44%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 4 $640,000 $160,000 $5,680 2.90%
Bozeman, MT (FHA|USDA|VA) 2 $640,000 $320,000 $4,259 2.94%
BAY CITY, MI (FHA|USDA|VA) 4 $640,000 $160,000 $2,759 2.87%
Athens, TN (FHA|USDA|VA) 3 $635,000 $211,667 $3,818 2.96%
Carlsbad-Artesia, NM (FHA|USDA|VA) 4 $620,000 $155,000 $6,455 3.13%
SPRINGFIELD, OH (FHA|USDA|VA) 4 $620,000 $155,000 $4,350 2.91%
Vineyard Haven, MA (FHA|USDA|VA) 1 $615,000 $615,000 $19,346 4.25%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 5 $615,000 $123,000 $4,130 4.00%
Cullman, AL (FHA|USDA|VA) 2 $610,000 $305,000 $12,587 2.69%
Hudson, NY (FHA|USDA|VA) 1 $605,000 $605,000 $5,243 4.25%
Shelby, NC (FHA|USDA|VA) 4 $600,000 $150,000 $4,836 3.13%
Orangeburg, SC (FHA|USDA|VA) 1 $595,000 $595,000 $4,451 3.38%
MADERA, CA (FHA|USDA|VA) 2 $590,000 $295,000 $3,416 3.06%
SIOUX FALLS, SD (FHA|USDA|VA) 3 $575,000 $191,667 $2,716 2.69%
Hutchinson, KS (FHA|USDA|VA) 3 $575,000 $191,667 $3,545 2.58%
Sandusky, OH (FHA|USDA|VA) 2 $570,000 $285,000 $4,749 3.23%
CASPER, WY (FHA|USDA|VA) 2 $570,000 $285,000 $4,666 3.06%
Wilson, NC (FHA|USDA|VA) 2 $570,000 $285,000 $3,546 3.19%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $565,000 $188,333 $5,174 3.25%
Natchitoches, LA (FHA|USDA|VA) 2 $550,000 $275,000 $4,455 3.19%
Payson, AZ (FHA|USDA|VA) 2 $550,000 $275,000 $4,383 3.75%
Milledgeville, GA (FHA|USDA|VA) 2 $540,000 $270,000 $3,494 3.43%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $540,000 $270,000 $5,919 2.63%
Price, UT (FHA|USDA|VA) 2 $530,000 $265,000 $4,680 2.44%
Shelbyville, TN (FHA|USDA|VA) 3 $525,000 $175,000 $4,286 3.50%
Waycross, GA (FHA|USDA|VA) 3 $525,000 $175,000 $5,676 3.33%
DECATUR, AL (FHA|USDA|VA) 5 $525,000 $105,000 $4,645 3.75%
Lewistown, PA (FHA|USDA|VA) 4 $520,000 $130,000 $4,884 3.13%
Aberdeen, WA (FHA|USDA|VA) 2 $520,000 $260,000 $4,754 3.00%
APPLETON, WI (FHA|USDA|VA) 2 $520,000 $260,000 $3,094 2.69%
Brainerd, MN (FHA|USDA|VA) 1 $515,000 $515,000 $2,914 3.25%
Jasper, AL (FHA|USDA|VA) 3 $515,000 $171,667 $7,808 3.67%
Klamath Falls, OR (FHA|USDA|VA) 1 $505,000 $505,000 $4,905 4.38%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 2 $490,000 $245,000 $5,538 2.56%
FOND DU LAC, WI (FHA|USDA|VA) 2 $490,000 $245,000 $3,277 3.44%
Española, NM (FHA|USDA|VA) 1 $485,000 $485,000 $2,537 3.25%
Huntingdon, PA (FHA|USDA|VA) 4 $480,000 $120,000 $4,399 3.47%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $480,000 $240,000 $3,400 3.19%
JOHNSTOWN, PA (FHA|USDA|VA) 4 $480,000 $120,000 $4,014 3.38%
AMARILLO, TX (FHA|USDA|VA) 2 $470,000 $235,000 $6,572 3.13%
FARMINGTON, NM (FHA|USDA|VA) 2 $470,000 $235,000 $2,355 3.00%
Lake City, FL (FHA|USDA|VA) 2 $460,000 $230,000 $6,322 2.69%
Columbus, MS (FHA|USDA|VA) 2 $460,000 $230,000 $8,124 3.19%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $455,000 $455,000 $5,268 3.25%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $455,000 $455,000 $2,039 1.88%
Nacogdoches, TX (FHA|USDA|VA) 1 $455,000 $455,000 $5,324 2.25%
Marion, OH (FHA|USDA|VA) 3 $445,000 $148,333 $5,118 3.42%
Riverton, WY (FHA|USDA|VA) 2 $440,000 $220,000 $4,316 3.38%
Laramie, WY (FHA|USDA|VA) 2 $440,000 $220,000 $2,284 2.81%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $440,000 $220,000 $3,289 3.56%
Muscatine, IA (FHA|USDA|VA) 1 $435,000 $435,000 $7,477 2.88%
SUMTER, SC (FHA|USDA|VA) 2 $430,000 $215,000 $6,870 3.13%
DALTON, GA (FHA|USDA|VA) 3 $425,000 $141,667 $4,226 2.54%
MORGANTOWN, WV (FHA|USDA|VA) 1 $425,000 $425,000 $2,513 2.75%
Somerset, KY (FHA|USDA|VA) 3 $415,000 $138,333 $0 3.71%
Enterprise, AL (FHA|USDA|VA) 3 $415,000 $138,333 $3,847 3.67%
MUNCIE, IN (FHA|USDA|VA) 3 $415,000 $138,333 $2,743 3.67%
Marion, NC (FHA|USDA|VA) 2 $410,000 $205,000 $4,116 2.44%
Ottawa, KS (FHA|USDA|VA) 1 $405,000 $405,000 $3,819 3.25%
Albemarle, NC (FHA|USDA|VA) 2 $400,000 $200,000 $5,283 2.63%
Beaver Dam, WI (FHA|USDA|VA) 1 $395,000 $395,000 $1,873 2.95%
Mount Pleasant, MI (FHA|USDA|VA) 3 $395,000 $131,667 $3,095 2.79%
FARGO, ND-MN (FHA|USDA|VA) 2 $390,000 $195,000 $5,785 3.06%
YAKIMA, WA (FHA|USDA|VA) 2 $390,000 $195,000 $4,478 2.69%
BLOOMINGTON, IL (FHA|USDA|VA) 2 $390,000 $195,000 $3,991 3.31%
Butte-Silver Bow, MT (FHA|USDA|VA) 2 $380,000 $190,000 $3,284 3.31%
St. Marys, GA (FHA|USDA|VA) 1 $375,000 $375,000 $8,885 2.88%
Searcy, AR (FHA|USDA|VA) 1 $375,000 $375,000 $3,675 2.88%
DUBUQUE, IA (FHA|USDA|VA) 1 $375,000 $375,000 $2,955 2.88%
Tupelo, MS (FHA|USDA|VA) 2 $370,000 $185,000 $6,547 3.63%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $370,000 $185,000 $1,690 2.93%
ALTOONA, PA (FHA|USDA|VA) 2 $370,000 $185,000 $5,634 2.63%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $370,000 $185,000 $4,232 3.81%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 2 $370,000 $185,000 $6,241 3.31%
Easton, MD (FHA|USDA|VA) 1 $365,000 $365,000 $4,024 2.75%
Bellefontaine, OH (FHA|USDA|VA) 2 $360,000 $180,000 $4,801 3.25%
Newport, TN (FHA|USDA|VA) 2 $360,000 $180,000 $3,137 2.94%
CHICO, CA (FHA|USDA|VA) 1 $355,000 $355,000 $3,468 2.63%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $350,000 $175,000 $2,939 3.13%
HARRISONBURG, VA (FHA|USDA|VA) 2 $350,000 $175,000 $2,646 2.88%
Frankfort, IN (FHA|USDA|VA) 1 $345,000 $345,000 $3,908 2.38%
Starkville, MS (FHA|USDA|VA) 1 $345,000 $345,000 $500 3.13%
Rolla, MO (FHA|USDA|VA) 1 $345,000 $345,000 $1,962 2.88%
Picayune, MS (FHA|USDA|VA) 2 $340,000 $170,000 $6,189 2.81%
Campbellsville, KY (FHA|USDA|VA) 3 $335,000 $111,667 $3,242 2.88%
Pahrump, NV (FHA|USDA|VA) 1 $335,000 $335,000 $4,540 2.25%
Lawrenceburg, TN (FHA|USDA|VA) 2 $330,000 $165,000 $3,806 3.06%
Lock Haven, PA (FHA|USDA|VA) 1 $325,000 $325,000 $4,114 3.25%
Brevard, NC (FHA|USDA|VA) 1 $325,000 $325,000 $2,684 2.50%
Statesboro, GA (FHA|USDA|VA) 1 $325,000 $325,000 $3,628 2.50%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $325,000 $325,000 $2,181 3.25%
WACO, TX (FHA|USDA|VA) 1 $325,000 $325,000 $5,568 3.25%
Kearney, NE (FHA|USDA|VA) 2 $320,000 $160,000 $4,901 2.94%
SAN ANGELO, TX (FHA|USDA|VA) 2 $320,000 $160,000 $4,114 2.69%
Hood River, OR (FHA|USDA|VA) 1 $315,000 $315,000 $2,952 2.00%
Cambridge, OH (FHA|USDA|VA) 3 $315,000 $105,000 $4,801 3.29%
Ludington, MI (FHA|USDA|VA) 2 $310,000 $155,000 $3,996 2.87%
Andrews, TX (FHA|USDA|VA) 2 $310,000 $155,000 $4,407 2.75%
TWIN FALLS, ID (FHA|USDA|VA) 2 $310,000 $155,000 $4,779 3.44%
Columbus, NE (FHA|USDA|VA) 1 $305,000 $305,000 $3,141 3.38%
Bartlesville, OK (FHA|USDA|VA) 1 $305,000 $305,000 $11,052 2.50%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $305,000 $305,000 $2,478 3.25%
GRANTS PASS, OR (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.38%
GLENS FALLS, NY (FHA|USDA|VA) 1 $305,000 $305,000 $4,414 3.38%
Norwalk, OH (FHA|USDA|VA) 2 $300,000 $150,000 $4,032 3.31%
ERIE, PA (FHA|USDA|VA) 2 $300,000 $150,000 $4,683 3.50%
Crawfordsville, IN (FHA|USDA|VA) 1 $295,000 $295,000 $1,951 2.50%
Roseburg, OR (FHA|USDA|VA) 1 $295,000 $295,000 $7,354 2.00%
Prineville, OR (FHA|USDA|VA) 1 $295,000 $295,000 $3,420 3.38%
Sterling, CO (FHA|USDA|VA) 1 $295,000 $295,000 $8,413 3.13%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $290,000 $145,000 $5,639 3.00%
NEW BERN, NC (FHA|USDA|VA) 2 $290,000 $145,000 $2,303 2.63%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $290,000 $145,000 $2,971 3.44%
CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $290,000 $145,000 $5,131 3.31%
JACKSON, TN (FHA|USDA|VA) 1 $285,000 $285,000 $4,057 3.63%
Alma, MI (FHA|USDA|VA) 3 $285,000 $95,000 $4,825 4.00%
Malvern, AR (FHA|USDA|VA) 1 $285,000 $285,000 $5,097 2.63%
Thomaston, GA (FHA|USDA|VA) 1 $285,000 $285,000 $3,972 2.38%
LAFAYETTE, LA (FHA|USDA|VA) 2 $280,000 $140,000 $4,667 2.69%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $275,000 $275,000 $3,737 3.25%
Evanston, WY (FHA|USDA|VA) 1 $275,000 $275,000 $12,731 2.50%
Burlington, IA-IL (FHA|USDA|VA) 1 $275,000 $275,000 $2,660 2.95%
SAGINAW, MI (FHA|USDA|VA) 2 $270,000 $135,000 $3,355 3.18%
Americus, GA (FHA|USDA|VA) 1 $265,000 $265,000 $5,939 2.88%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $265,000 $265,000 $0 3.38%
New Castle, IN (FHA|USDA|VA) 1 $265,000 $265,000 $2,720 3.38%
Vicksburg, MS (FHA|USDA|VA) 1 $265,000 $265,000 $2,802 3.50%
The Dalles, OR (FHA|USDA|VA) 1 $265,000 $265,000 $17,499 3.13%
Fort Payne, AL (FHA|USDA|VA) 1 $265,000 $265,000 $3,293 3.00%
DECATUR, IL (FHA|USDA|VA) 2 $260,000 $130,000 $2,605 2.94%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $255,000 $255,000 $2,939 2.13%
SYRACUSE, NY (FHA|USDA|VA) 2 $250,000 $125,000 $3,889 2.93%
Bogalusa, LA (FHA|USDA|VA) 1 $245,000 $245,000 $4,263 3.25%
Kendallville, IN (FHA|USDA|VA) 1 $245,000 $245,000 $2,845 2.50%
Rutland, VT (FHA|USDA|VA) 1 $245,000 $245,000 $3,890 2.88%
POCATELLO, ID (FHA|USDA|VA) 1 $245,000 $245,000 $4,478 3.25%
Madisonville, KY (FHA|USDA|VA) 1 $245,000 $245,000 $3,086 3.50%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 2 $240,000 $120,000 $6,299 2.81%
Oneonta, NY (FHA|USDA|VA) 2 $240,000 $120,000 $3,941 2.81%
Cedartown, GA (FHA|USDA|VA) 1 $235,000 $235,000 $7,381 3.25%
Del Rio, TX (FHA|USDA|VA) 1 $235,000 $235,000 $8,071 2.63%
Ashland, OH (FHA|USDA|VA) 1 $235,000 $235,000 $6,279 2.88%
Scottsbluff, NE (FHA|USDA|VA) 1 $235,000 $235,000 $7,655 2.63%
Forest City, NC (FHA|USDA|VA) 1 $235,000 $235,000 $3,883 3.25%
Martin, TN (FHA|USDA|VA) 1 $235,000 $235,000 $3,688 4.50%
CHARLESTON, WV (FHA|USDA|VA) 1 $235,000 $235,000 $8,318 2.88%
Richmond, IN (FHA|USDA|VA) 2 $230,000 $115,000 $10,501 3.88%
Stevens Point, WI (FHA|USDA|VA) 1 $225,000 $225,000 $2,275 2.63%
LAWRENCE, KS (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.00%
Vermillion, SD (FHA|USDA|VA) 1 $225,000 $225,000 $3,097 2.25%
Ozark, AL (FHA|USDA|VA) 1 $225,000 $225,000 $1,165 2.88%
Minot, ND (FHA|USDA|VA) 1 $225,000 $225,000 $11,026 3.25%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,845 3.25%
Sunbury, PA (FHA|USDA|VA) 2 $220,000 $110,000 $3,657 3.06%
Zanesville, OH (FHA|USDA|VA) 1 $215,000 $215,000 $6,648 2.75%
Marietta, OH (FHA|USDA|VA) 1 $215,000 $215,000 $4,976 3.38%
MONROE, LA (FHA|USDA|VA) 1 $205,000 $205,000 $7,594 3.25%
UTICA-ROME, NY (FHA|USDA|VA) 2 $200,000 $100,000 $3,547 3.50%
Dixon, IL (FHA|USDA|VA) 1 $195,000 $195,000 $5,988 3.75%
BINGHAMTON, NY (FHA|USDA|VA) 1 $195,000 $195,000 $4,623 2.63%
Dublin, GA (FHA|USDA|VA) 2 $190,000 $95,000 $2,383 3.56%
Sturgis, MI (FHA|USDA|VA) 2 $190,000 $95,000 $4,877 3.38%
Clearlake, CA (FHA|USDA|VA) 1 $185,000 $185,000 $3,261 2.99%
OWENSBORO, KY (FHA|USDA|VA) 1 $185,000 $185,000 $4,479 2.88%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $185,000 $185,000 $3,371 3.13%
EL CENTRO, CA (FHA|USDA|VA) 1 $185,000 $185,000 $2,839 3.50%
Pittsburg, KS (FHA|USDA|VA) 1 $185,000 $185,000 $2,786 3.38%
Brownsville, TN (FHA|USDA|VA) 2 $180,000 $90,000 $3,978 3.81%
Ontario, OR-ID (FHA|USDA|VA) 1 $175,000 $175,000 $2,633 2.75%
Hays, KS (FHA|USDA|VA) 1 $175,000 $175,000 $4,440 3.25%
Batesville, AR (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.63%
Clewiston, FL (FHA|USDA|VA) 1 $175,000 $175,000 $6,464 3.63%
Atchison, KS (FHA|USDA|VA) 1 $175,000 $175,000 $4,456 3.25%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $175,000 $175,000 $2,318 3.25%
Red Bluff, CA (FHA|USDA|VA) 1 $175,000 $175,000 $3,746 3.38%
Harrison, AR (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.75%
Elizabeth City, NC (FHA|USDA|VA) 2 $170,000 $85,000 $4,187 3.38%
LaGrange, GA-AL (FHA|USDA|VA) 1 $165,000 $165,000 $4,607 3.38%
Salina, KS (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.13%
Brookings, OR (FHA|USDA|VA) 1 $165,000 $165,000 $2,748 2.88%
Wilmington, OH (FHA|USDA|VA) 1 $165,000 $165,000 $2,578 3.38%
Mount Vernon, OH (FHA|USDA|VA) 1 $165,000 $165,000 $4,792 3.13%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $165,000 $165,000 $4,202 3.63%
PEORIA, IL (FHA|USDA|VA) 2 $160,000 $80,000 $3,359 3.63%
Warren, PA (FHA|USDA|VA) 1 $155,000 $155,000 $5,207 4.88%
Baraboo, WI (FHA|USDA|VA) 1 $155,000 $155,000 $3,918 2.63%
Wooster, OH (FHA|USDA|VA) 1 $155,000 $155,000 $6,967 2.88%
Adrian, MI (FHA|USDA|VA) 1 $145,000 $145,000 $3,022 2.95%
Madison, IN (FHA|USDA|VA) 1 $145,000 $145,000 $5,201 3.00%
Glasgow, KY (FHA|USDA|VA) 1 $145,000 $145,000 $3,043 3.13%
Plattsburgh, NY (FHA|USDA|VA) 1 $145,000 $145,000 $3,461 2.75%
Grenada, MS (FHA|USDA|VA) 1 $145,000 $145,000 $2,313 2.63%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $145,000 $145,000 $2,497 2.63%
Tahlequah, OK (FHA|USDA|VA) 1 $145,000 $145,000 $6,620 2.63%
Fairfield, IA (FHA|USDA|VA) 1 $135,000 $135,000 $3,344 3.00%
Maysville, KY (FHA|USDA|VA) 1 $135,000 $135,000 $5,522 2.88%
Centralia, WA (FHA|USDA|VA) 1 $135,000 $135,000 $9,783 2.88%
Troy, AL (FHA|USDA|VA) 1 $135,000 $135,000 $2,764 3.38%
Washington, IN (FHA|USDA|VA) 1 $135,000 $135,000 $4,983 3.25%
KOKOMO, IN (FHA|USDA|VA) 2 $130,000 $65,000 $0 4.56%
Houghton, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,782 3.49%
Ruidoso, NM (FHA|USDA|VA) 1 $125,000 $125,000 $3,182 2.13%
Pullman, WA (FHA|USDA|VA) 1 $125,000 $125,000 $5,479 3.13%
Cookeville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $3,221 2.25%
Muskogee, OK (FHA|USDA|VA) 1 $125,000 $125,000 $2,738 2.95%
Aberdeen, SD (FHA|USDA|VA) 1 $125,000 $125,000 $3,713 3.25%
La Grande, OR (FHA|USDA|VA) 1 $125,000 $125,000 $3,784 3.13%
PITTSFIELD, MA (FHA|USDA|VA) 1 $125,000 $125,000 $2,253 2.25%
Vincennes, IN (FHA|USDA|VA) 2 $120,000 $60,000 $2,202 3.10%
North Vernon, IN (FHA|USDA|VA) 1 $115,000 $115,000 $3,573 3.25%
Beeville, TX (FHA|USDA|VA) 1 $115,000 $115,000 $7,449 2.25%
GREAT FALLS, MT (FHA|USDA|VA) 1 $115,000 $115,000 $2,704 2.63%
Norfolk, NE (FHA|USDA|VA) 1 $115,000 $115,000 $4,159 3.75%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $115,000 $115,000 $2,621 3.25%
Salem, OH (FHA|USDA|VA) 1 $115,000 $115,000 $4,067 3.88%
Mount Vernon, IL (FHA|USDA|VA) 1 $115,000 $115,000 $4,579 2.88%
ROCHESTER, NY (FHA|USDA|VA) 1 $105,000 $105,000 $2,632 3.25%
McMinnville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $2,057 3.25%
Selinsgrove, PA (FHA|USDA|VA) 1 $105,000 $105,000 $4,643 2.88%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.25%
Jennings, LA (FHA|USDA|VA) 1 $105,000 $105,000 $6,411 3.25%
Manitowoc, WI (FHA|USDA|VA) 1 $105,000 $105,000 $3,050 3.38%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $105,000 $105,000 $3,033 2.38%
Bennettsville, SC (FHA|USDA|VA) 1 $105,000 $105,000 $2,795 3.25%
Kingsville, TX (FHA|USDA|VA) 1 $105,000 $105,000 $3,133 2.38%
Clinton, IA (FHA|USDA|VA) 1 $105,000 $105,000 $2,488 2.88%
Fremont, OH (FHA|USDA|VA) 1 $95,000 $95,000 $4,694 3.50%
Platteville, WI (FHA|USDA|VA) 1 $95,000 $95,000 $2,883 2.75%
ENID, OK (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.25%
Sidney, OH (FHA|USDA|VA) 1 $95,000 $95,000 $4,884 3.50%
Grand Rapids, MN (FHA|USDA|VA) 1 $95,000 $95,000 $3,347 3.88%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $85,000 $85,000 $2,790 3.25%
Tiffin, OH (FHA|USDA|VA) 1 $85,000 $85,000 $5,010 2.88%
Ottumwa, IA (FHA|USDA|VA) 1 $85,000 $85,000 $3,442 3.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $75,000 $75,000 $2,225 3.25%
Newberry, SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.50%
Athens, TX (FHA|USDA|VA) 1 $75,000 $75,000 $4,028 3.38%
Meridian, MS (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.63%
Winfield, KS (FHA|USDA|VA) 1 $65,000 $65,000 $2,722 2.88%
Freeport, IL (FHA|USDA|VA) 1 $65,000 $65,000 $0 4.25%
McAlester, OK (FHA|USDA|VA) 1 $65,000 $65,000 $3,027 2.75%
VALDOSTA, GA (FHA|USDA|VA) 2 $60,000 $30,000 $0 4.50%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $45,000 $45,000 $2,799 3.25%

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

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 20,177 $6,187,485,000 $306,660 $4,446 3.14%
FHA 2,287 $646,685,000 $282,766 $9,660 3.07%
VA 1,421 $497,225,000 $349,912 $7,334 2.75%
USDA 275 $53,535,000 $194,673 $5,804 2.73%

For the 2021 period, Northpointe Bank's most frequently originated loan type of loans were Conventional, with 20,177 originations. Their 2nd most popular type is FHA, with 2,287 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 12,022 $3,831,870,000 $318,738 $6,237 3.23%
Refi 7,363 $2,142,265,000 $290,950 $3,707 2.86%
Cash Out Refi 4,775 $1,410,795,000 $295,454 $4,818 3.19%

For the 2021, Northpointe Bank's most frequently cited loan purpose of loans were Home Purchase, with 12,022 originations. The 2nd most popular reason of loans were Refi, with 7,363 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 20,372 $6,425,180,000 $315,393 $5,505 3.21%
15 Year 2,777 $700,235,000 $252,155 $3,415 2.47%
20 Year 559 $143,015,000 $255,841 $3,675 2.93%
10 Year 229 $42,315,000 $184,782 $2,916 2.31%
Other 212 $61,700,000 $291,038 $3,181 2.95%
30+ year 7 $11,045,000 $1,577,857 $24,530 4.43%
1 Year 3 $1,325,000 $441,667 $13,390 5.08%
5 Year 1 $115,000 $115,000 $1,799 2.13%

For the 2021, Northpointe Bank's most frequently cited loan length of loans were 30 Year, with 20,372 originations. The 2nd most popular length of loans were 15 Year, with 2,777 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 11,921 $3,625,435,000 $304,122
$<1k 3,830 $1,033,710,000 $269,898
$2k-3k 2,477 $730,035,000 $294,725
$3k-4k 2,423 $811,505,000 $334,917
$5k+ 1,584 $770,870,000 $486,660

$5,505 of loans were Northpointe Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 11,921 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 10,392 $3,221,430,000 $309,991
2.5-3% 9,221 $2,896,625,000 $314,133
<2.5% 3,112 $872,050,000 $280,222
4-5% 1,229 $350,245,000 $284,984
5-6% 201 $40,695,000 $202,463
6-7% 4 $3,500,000 $875,000
7-8% 1 $385,000 $385,000

During 2021, Northpointe Bank's average interest rate of loans were 3.21%, while their most frequently originated rate bucket of loans were 3-4%, with 10,392 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 11,743 $3,394,235,000 $289,043 $5,162 3.07%
$100k-200k 5,793 $895,935,000 $154,658 $3,788 3.12%
$400k-600k 4,405 $2,110,915,000 $479,209 $6,268 3.05%
$100,000 or less 1,195 $88,505,000 $74,063 $2,930 3.48%
$600k-1MM 796 $582,370,000 $731,621 $8,776 3.27%
$1MM+ 228 $312,970,000 $1,372,675 $13,244 3.42%

2021 saw Northpointe Bank place emphasis on $200k-400k loans with 11,743 originations, totaling $3,394,235,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 5,605 $1,795,015,000 $320,252 $5,119 3.10%
$50k-75k 4,945 $1,165,895,000 $235,772 $5,280 3.08%
$75k-100k 4,240 $1,191,400,000 $280,991 $5,529 3.09%
$150k-250k 4,071 $1,541,725,000 $378,709 $5,015 3.11%
$50k or less 2,588 $424,300,000 $163,949 $4,415 3.12%
$250k+ 1,974 $1,039,350,000 $526,520 $6,253 3.20%

Northpointe Bank lent most frequently to those with incomes in the $100k-150k range, with 5,605 originations. The second most popular income band? $50k-75k, with 4,945 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 5,101 $1,494,965,000 $293,073 $4,376 3.04%
30-36% 4,244 $1,304,240,000 $307,314 $4,786 3.12%
<20% 2,038 $579,450,000 $284,323 $3,939 2.97%
42% 957 $329,545,000 $344,352 $5,738 3.19%
44% 933 $282,365,000 $302,642 $5,633 3.18%
50-60% 931 $294,735,000 $316,579 $9,256 3.01%
40% 925 $291,795,000 $315,454 $5,412 3.17%
41% 905 $289,895,000 $320,326 $5,287 3.20%
38% 896 $274,580,000 $306,451 $5,236 3.16%
43% 885 $268,425,000 $303,305 $5,695 3.19%
39% 864 $279,870,000 $323,924 $5,666 3.17%
37% 829 $260,535,000 $314,276 $5,265 3.17%
36% 810 $240,560,000 $296,988 $4,956 3.14%
49% 705 $227,715,000 $323,000 $6,370 3.14%
46% 684 $208,880,000 $305,380 $5,945 3.13%
45% 663 $207,305,000 $312,677 $5,844 3.15%
47% 644 $198,910,000 $308,866 $5,941 3.14%
48% 584 $181,430,000 $310,668 $5,763 3.10%
>60% 17 $5,915,000 $347,941 $6,292 3.06%

Northpointe Bank lent most frequently to those with DTI ratios of 20-30%, with 5,101 originations. The next most common DTI ratio? 30-36%, with 4,244 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 16,792 $5,052,090,000 $300,863 $5,020 3.09%
Not provided 4,624 $1,511,530,000 $326,888 $5,409 3.14%
Black 1,424 $395,770,000 $277,928 $6,493 3.18%
Asian 1,110 $360,760,000 $325,009 $4,908 3.13%
American Indian 142 $39,700,000 $279,577 $5,949 3.16%
Asian Indian 21 $9,425,000 $448,810 $5,149 3.00%
Native Hawaiian 25 $8,825,000 $353,000 $7,570 3.09%
Other Asian 15 $4,115,000 $274,333 $3,911 3.22%
Other Pacific Islander 3 $1,305,000 $435,000 $4,891 3.13%
Native Hawiian 2 $700,000 $350,000 $7,651 3.19%
Filipino 1 $465,000 $465,000 $8,915 2.95%
Chinese 1 $245,000 $245,000 $2,969 3.49%

Approval Rates

Total approvals of all applications
97.82%

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
66.32%

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 24,160 $7,384,930,000 $305,668

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
24,160 $7,384,930,000 $305,668

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,126 $227,110,000 $201,696 $3,396 2.89%
40-60% 3,751 $1,077,345,000 $287,215 $3,767 2.89%
60-80% 9,486 $3,022,710,000 $318,650 $4,618 3.18%
80-100% 9,265 $2,913,325,000 $314,444 $6,216 3.14%
Over 100% 337 $121,435,000 $360,341 $12,754 2.88%
Under 20% 195 $23,005,000 $117,974 $2,059 4.25%

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 $2,106,345

For 2021, Northpointe Bank had 1 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $118,078
Net interest income $91,780
Total noninterest income $309,348
Gross Fiduciary activities income $0
Service charges on deposit accounts $31
Trading account gains and fees $0
Additional Noninterest Income $309,317
Pre-tax net operating income $124,265
Securities gains (or losses, -) $-43
Income before extraordinary items $92,171
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $92,171
Minority interest net income $0
Net income $92,171
Sale, conversion, retirement of capital stock, net $0
Net operating income $92,204

Northpointe Bank's gross interest income from loans was $118,078,000.
Northpointe Bank's net interest income from loans was $91,780,000.
Northpointe Bank's fee based income from loans was $31,000.
Northpointe Bank's net income from loans was $92,171,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $26,298
Provision for credit losses $-7,184
Total noninterest expense $284,047
Salaries and employee benefits $228,416
Premises and equipment expense $8,471
Additional noninterest expense $47,160
Applicable income taxes $32,051
Net charge-offs $-531
Cash dividends $26,800

Northpointe Bank's interest expense for loans was $26,298,000.
Northpointe Bank's payroll and benefits expense were $228,416,000.
Northpointe Bank's property, plant and equipment expenses $8,471,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 1.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
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 $2,948,987
Deposits held in domestic offices $2,948,987
Deposits by Individuals, partnerships, and corporations $2,674,396
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $1,100
Deposits by Commercial banks and other depository institutions in U.S. $273,491
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $321,835
Demand deposits $294,951
Nontransaction accounts $2,627,152
Money market deposit accounts (MMDAs) $188,994
Other savings deposits (excluding MMDAs) $219,623
Total time deposits $2,218,535
Total time and savings deposits $2,654,036
Noninterest-bearing deposits $353,162
Interest-bearing deposits $2,595,825
Retail deposits $1,010,061
IRAs and Keogh plan accounts $19,095
Brokered deposits $1,843,985
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $4,728,459
Cash & Balances due from depository institutions $452,603
Interest-bearing balances $444,044
Total securities $11,733
Federal funds sold & reverse repurchase $0
Net loans and leases $3,980,765
Loan and leases loss allowance $3,886
Trading account assets $0
Bank premises and fixed assets $33,440
Other real estate owned $206
Goodwill and other intangibles $79,105
All other assets $170,607

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $4,728,459
Total Liabilities $4,283,882
Total deposits $2,948,987
Interest-bearing deposits $2,595,825
Deposits held in domestic offices $2,948,987
% insured (estimated) $94
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $1,255,275
Subordinated debt $14,633
All other liabilities $64,987

Issued Loan Types

Type Value (in 000's)
Net loans and leases $3,980,765
Loan and leases loss allowance $3,886
Total loans and leases (domestic) $3,984,651
All real estate loans $2,939,439
Real estate loans in domestic offices $2,939,439
Construction and development loans $246,865
Residential 1-4 family construction $102,856
Other construction, all land development and other land $144,009
Loans secured by nonfarm nonresidential properties $2,498
Nonfarm nonresidential secured by owner-occupied properties $2,458
Commercial real estate & other non-farm, non-residential $40
Multifamily residential real estate $112
1-4 family residential loans $2,689,767
Farmland loans $197
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $3,176
To non-U.S. addressees $0
Loans to individuals $599
Credit card loans $0
Related Plans $599
Consumer Auto Loans $0
Other loans to individuals $0
All other loans & leases $1,041,437
Loans to foreign governments and official institutions $0
Other loans $1,041,437
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 $6,161
Non 1-4 family restructured loans & leases $1,427
Total loans and leases (foreign) $0

Northpointe Bank had $3,980,765,000 of loans outstanding in 2021. $2,939,439,000 of loans were in real estate loans. $246,865,000 of loans were in development loans. $112,000 of loans were in multifamily mortgage loans. $2,689,767,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 27 $2,498 $92,519
Nonfarm, nonresidential loans - <$100k 15 $389 $25,933
Nonfarm, nonresidential loans - $100-250k 10 $1,568 $156,800
Nonfarm, nonresidential loans - $250k-1MM 2 $541 $270,500
Commercial & Industrial, US addressed loans - <$1MM 2 $176 $88,000
Commercial & Industrial, US addressed loans - <$100k 1 $51 $51,000
Commercial & Industrial, US addressed loans - $100-250k 1 $125 $125,000
Farmland loans - <$1MM 2 $197 $98,500
Farmland loans - <$100k 1 $71 $71,000
Farmland loans - $100-250k 1 $126 $126,000