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

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & 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 by origination volume include: Denver, New York, Providence, Colorado Springs, and Atlanta among others. We have data for 587 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 6.75% 10/3/22
    30 Year Conventional Refi 6.51% 10/3/22
    30 Year Cash-out Refi 6.76% 10/3/22
    30 Year FHA Purchase 7.46% 10/3/22
    30 Year FHA Refi 7.11% 10/3/22
    30 Year VA Purchase 6.37% 10/3/22
    30 Year VA Refi 5.97% 10/3/22
    30 Year USDA Purchase 6.60% 10/3/22
    30 Year USDA Refi 6.45% 10/3/22
    15 Year Conventional Purchase 6.19% 10/3/22
    15 Year Conventional Refi 6.12% 10/3/22
    15 Year Cash-out Refi 6.12% 10/3/22
    15 Year FHA Purchase 7.48% 10/3/22
    15 Year FHA Refi 7.23% 10/3/22
    15 Year VA Purchase 6.31% 10/3/22
    15 Year VA Refi 6.27% 10/3/22
    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.


    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 mortgage rate was 3.21%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.06%.

    Relative Fees (Closing Costs)

    Northpointe Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,505.

    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
    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.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Northpointe Bank's most frequently originated type of loan was Conventional, with 20,177 originations. Their 2nd most popular type was FHA, with 2,287 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Northpointe Bank's most frequently cited loan purpose was Home Purchase, with 12,022 originations. The 2nd most popular reason was 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 2021, Northpointe Bank's most frequently cited loan duration was 30 Year, with 20,372 originations. The 2nd most popular length was 15 Year, with 2,777 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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
    $5k+ 1,584 $770,870,000 $486,660
    $3k-4k 1,499 $485,995,000 $324,213
    $4k-5k 924 $325,510,000 $352,284

    Northpointe Bank's average total fees were $5,505, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.21%, while their most frequently originated rate bucket for loans was 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 or Islander 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 Hawaiian 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
    97.93%

    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
    65.80%

    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