Northpointe Bank Mortgage Rates, Fees & Info

Grand Rapids, MI

LEI: 549300UXY7OP0IC38293

Tax ID: 38-3448372

3.4 stars - Updated: 4/14/24 - out of 5 stars, based on 99 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Northpointe Bank is a mid-sized bank specializing in Home Purchase loans. Northpointe Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Louisville, Denver, Providence, and Charlotte among others. We have data for 467 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 a high 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 relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.69% 4/14/24
30 Year Conventional Refi 6.56% 4/14/24
30 Year Cash-out Refi 6.87% 4/14/24
30 Year FHA Purchase 7.28% 4/14/24
30 Year FHA Refi 7.37% 4/14/24
30 Year VA Purchase 6.21% 4/14/24
30 Year VA Refi 5.86% 4/14/24
30 Year USDA Purchase 6.66% 4/14/24
30 Year USDA Refi 6.27% 4/14/24
15 Year Conventional Purchase 6.09% 4/14/24
15 Year Conventional Refi 5.98% 4/14/24
15 Year Cash-out Refi 5.98% 4/14/24
15 Year FHA Purchase 7.08% 4/14/24
15 Year FHA Refi 5.68% 4/14/24
15 Year VA Purchase 5.96% 4/14/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Northpointe Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Northpointe Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

9,790

Origination Dollar Volume (All Markets)

$3,228,560,000
Show all (31) awards

Relative Rate

Northpointe Bank's average 30 year fixed mortgage rate was 6.96%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.48%.

Relative Fees (Closing Costs)

Northpointe Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $9,250.

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 $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 720 $337,780,000 $469,139 $16,318 6.56%
LOUISVILLE, KY (FHA|USDA|VA) 1,149 $289,815,000 $252,232 $6,573 6.82%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 363 $151,495,000 $417,342 $9,417 6.53%
Outside of Metro Areas 415 $112,115,000 $270,157 $7,307 6.71%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 298 $110,240,000 $369,933 $10,671 6.97%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 335 $105,965,000 $316,313 $8,474 7.32%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 265 $99,045,000 $373,755 $9,844 7.27%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 261 $74,835,000 $286,724 $8,588 6.35%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 177 $72,805,000 $411,328 $8,527 7.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 137 $64,405,000 $470,109 $10,315 6.83%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 221 $57,145,000 $258,575 $6,449 7.21%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 121 $56,605,000 $467,810 $11,163 7.17%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 227 $54,805,000 $241,432 $7,945 6.51%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 154 $45,000,000 $292,208 $6,779 7.36%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 88 $42,010,000 $477,386 $8,614 8.25%
READING, PA (FHA|USDA|VA) 180 $41,200,000 $228,889 $8,690 6.24%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 115 $36,385,000 $316,391 $8,651 6.98%
MODESTO, CA (FHA|USDA|VA) 76 $33,580,000 $441,842 $10,562 5.87%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 43 $29,945,000 $696,395 $17,167 7.47%
COLUMBUS, GA-AL (FHA|USDA|VA) 136 $29,620,000 $217,794 $7,141 6.52%
PANAMA CITY, FL (FHA|USDA|VA) 79 $29,345,000 $371,456 $10,812 7.09%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 76 $29,210,000 $384,342 $11,179 7.10%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 145 $27,825,000 $191,897 $6,061 6.64%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 68 $26,960,000 $396,471 $10,627 7.82%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 58 $26,880,000 $463,448 $10,314 7.09%
SALT LAKE CITY, UT (FHA|USDA|VA) 43 $26,135,000 $607,791 $9,236 7.09%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 68 $25,730,000 $378,382 $8,934 7.44%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 53 $24,915,000 $470,094 $10,894 7.43%
PROVO-OREM, UT (FHA|USDA|VA) 48 $24,680,000 $514,167 $9,180 6.54%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 45 $23,995,000 $533,222 $14,216 7.15%
YORK-HANOVER, PA (FHA|USDA|VA) 86 $23,270,000 $270,581 $8,886 6.66%
GRAND JUNCTION, CO (FHA|USDA|VA) 91 $23,165,000 $254,560 $7,208 5.35%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 44 $22,970,000 $522,045 $11,551 6.81%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 89 $21,885,000 $245,899 $7,123 6.62%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 79 $21,815,000 $276,139 $7,733 5.81%
Sevierville, TN (FHA|USDA|VA) 40 $21,540,000 $538,500 $14,540 7.51%
RALEIGH-CARY, NC (FHA|USDA|VA) 54 $20,940,000 $387,778 $7,281 7.10%
WILMINGTON, NC (FHA|USDA|VA) 61 $19,985,000 $327,623 $7,921 7.11%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 51 $19,795,000 $388,137 $10,332 7.18%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 45 $19,315,000 $429,222 $8,731 7.23%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 52 $18,590,000 $357,500 $9,274 7.45%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 32 $17,190,000 $537,188 $10,104 7.61%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 49 $16,925,000 $345,408 $7,430 6.65%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 65 $16,405,000 $252,385 $8,258 6.28%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 50 $15,590,000 $311,800 $8,715 7.23%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 42 $15,460,000 $368,095 $11,248 7.33%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 30 $15,220,000 $507,333 $11,374 7.19%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 47 $13,995,000 $297,766 $6,707 7.26%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 30 $13,920,000 $464,000 $12,195 7.88%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 34 $13,660,000 $401,765 $10,190 7.21%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 32 $13,630,000 $425,938 $7,531 7.02%
PORT ST. LUCIE, FL (FHA|USDA|VA) 32 $13,010,000 $406,563 $10,542 7.42%
SAVANNAH, GA (FHA|USDA|VA) 38 $12,660,000 $333,158 $8,556 7.11%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 80 $12,640,000 $158,000 $4,276 6.68%
Centralia, WA (FHA|USDA|VA) 37 $12,585,000 $340,135 $8,496 6.36%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 33 $12,175,000 $368,939 $10,862 7.23%
COLUMBUS, OH (FHA|USDA|VA) 42 $11,880,000 $282,857 $9,010 7.36%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 31 $11,725,000 $378,226 $7,476 6.58%
KNOXVILLE, TN (FHA|USDA|VA) 51 $11,445,000 $224,412 $7,378 6.48%
EVANSVILLE, IN-KY (FHA|USDA|VA) 68 $10,630,000 $156,324 $4,922 6.07%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 24 $10,510,000 $437,917 $8,189 7.20%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 25 $10,315,000 $412,600 $12,951 7.43%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 22 $9,970,000 $453,182 $6,229 8.38%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 13 $9,885,000 $760,385 $17,643 8.34%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 48 $9,460,000 $197,083 $4,268 7.02%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 31 $8,805,000 $284,032 $7,989 6.46%
BOISE CITY, ID (FHA|USDA|VA) 17 $8,775,000 $516,176 $10,679 7.11%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 31 $8,535,000 $275,323 $8,081 7.27%
DOVER, DE (FHA|USDA|VA) 39 $8,395,000 $215,256 $8,661 5.84%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 38 $8,130,000 $213,947 $7,152 6.58%
Glenwood Springs, CO (FHA|USDA|VA) 40 $7,950,000 $198,750 $7,402 5.55%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 24 $7,890,000 $328,750 $8,502 7.14%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 15 $7,495,000 $499,667 $11,962 7.06%
GREELEY, CO (FHA|USDA|VA) 23 $7,255,000 $315,435 $8,399 4.91%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 21 $7,215,000 $343,571 $6,998 6.90%
Bardstown, KY (FHA|USDA|VA) 32 $7,040,000 $220,000 $7,385 6.32%
SALISBURY, MD-DE (FHA|USDA|VA) 18 $7,010,000 $389,444 $8,688 6.71%
WORCESTER, MA-CT (FHA|USDA|VA) 18 $6,520,000 $362,222 $10,334 7.13%
FAYETTEVILLE, NC (FHA|USDA|VA) 22 $6,460,000 $293,636 $9,849 6.70%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 25 $6,455,000 $258,200 $8,943 6.30%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 15 $6,235,000 $415,667 $8,964 6.63%
Frankfort, KY (FHA|USDA|VA) 32 $6,210,000 $194,063 $6,052 6.84%
LANCASTER, PA (FHA|USDA|VA) 22 $6,180,000 $280,909 $9,183 6.49%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 17 $6,175,000 $363,235 $9,237 6.58%
FRESNO, CA (FHA|USDA|VA) 13 $6,165,000 $474,231 $13,081 6.92%
EL PASO, TX (FHA|USDA|VA) 10 $6,120,000 $612,000 $35,170 7.34%
EAST STROUDSBURG, PA (FHA|USDA|VA) 21 $6,075,000 $289,286 $10,565 6.74%
Richmond-Berea, KY (FHA|USDA|VA) 19 $5,825,000 $306,579 $9,134 7.04%
ASHEVILLE, NC (FHA|USDA|VA) 16 $5,650,000 $353,125 $10,383 8.21%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 8 $5,630,000 $703,750 $4,325 7.61%
FORT WAYNE, IN (FHA|USDA|VA) 21 $5,485,000 $261,190 $6,339 6.63%
OCALA, FL (FHA|USDA|VA) 13 $5,465,000 $420,385 $10,290 7.69%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 17 $5,065,000 $297,941 $7,985 7.53%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 14 $5,040,000 $360,000 $11,475 7.04%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 6 $5,010,000 $835,000 $18,042 8.08%
KANSAS CITY, MO-KS (FHA|USDA|VA) 12 $4,990,000 $415,833 $7,626 6.77%
JACKSONVILLE, FL (FHA|USDA|VA) 13 $4,965,000 $381,923 $9,426 7.90%
ST. LOUIS, MO-IL (FHA|USDA|VA) 15 $4,805,000 $320,333 $7,200 7.51%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 20 $4,750,000 $237,500 $6,975 7.10%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 18 $4,690,000 $260,556 $8,592 6.93%
RENO, NV (FHA|USDA|VA) 14 $4,480,000 $320,000 $7,442 6.61%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 14 $4,450,000 $317,857 $8,654 7.76%
Heber, UT (FHA|USDA|VA) 7 $4,375,000 $625,000 $10,857 7.29%
WINSTON-SALEM, NC (FHA|USDA|VA) 25 $4,365,000 $174,600 $4,901 5.55%
BOULDER, CO (FHA|USDA|VA) 10 $4,330,000 $433,000 $7,677 7.44%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 21 $4,285,000 $204,048 $7,272 7.49%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 8 $4,210,000 $526,250 $9,506 7.06%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 7 $4,205,000 $600,714 $12,160 6.86%
OCEAN CITY, NJ (FHA|USDA|VA) 10 $4,200,000 $420,000 $7,443 6.21%
Truckee-Grass Valley, CA (FHA|USDA|VA) 9 $3,835,000 $426,111 $8,123 6.89%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 11 $3,765,000 $342,273 $11,047 7.62%
TUSCALOOSA, AL (FHA|USDA|VA) 12 $3,700,000 $308,333 $9,902 6.58%
COLUMBIA, SC (FHA|USDA|VA) 18 $3,630,000 $201,667 $6,490 6.40%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 8 $3,410,000 $426,250 $11,795 7.27%
PUEBLO, CO (FHA|USDA|VA) 16 $3,410,000 $213,125 $6,085 5.15%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 11 $3,325,000 $302,273 $11,434 5.77%
MERCED, CA (FHA|USDA|VA) 10 $3,260,000 $326,000 $11,211 7.43%
GETTYSBURG, PA (FHA|USDA|VA) 11 $3,175,000 $288,636 $7,759 6.60%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 17 $3,135,000 $184,412 $5,762 6.77%
LEBANON, PA (FHA|USDA|VA) 11 $3,125,000 $284,091 $11,483 6.43%
BLOOMINGTON, IN (FHA|USDA|VA) 12 $3,040,000 $253,333 $5,980 6.59%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 8 $2,920,000 $365,000 $5,687 6.08%
Hilo, HI (FHA|USDA|VA) 6 $2,900,000 $483,333 $183,527 8.01%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 10 $2,880,000 $288,000 $8,892 6.94%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 12 $2,860,000 $238,333 $5,926 7.78%
MUSKEGON, MI (FHA|USDA|VA) 11 $2,855,000 $259,545 $8,904 6.62%
WACO, TX (FHA|USDA|VA) 7 $2,795,000 $399,286 $12,211 7.23%
TUCSON, AZ (FHA|USDA|VA) 7 $2,785,000 $397,857 $9,290 6.99%
Traverse City, MI (FHA|USDA|VA) 6 $2,750,000 $458,333 $11,538 7.13%
BATTLE CREEK, MI (FHA|USDA|VA) 21 $2,745,000 $130,714 $3,071 5.04%
JACKSONVILLE, NC (FHA|USDA|VA) 13 $2,675,000 $205,769 $5,479 6.49%
Somerset, KY (FHA|USDA|VA) 18 $2,670,000 $148,333 $6,125 5.94%
Holland, MI (FHA|USDA|VA) 10 $2,660,000 $266,000 $5,708 7.09%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 6 $2,640,000 $440,000 $14,773 7.27%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $2,530,000 $421,667 $12,916 6.98%
GAINESVILLE, GA (FHA|USDA|VA) 6 $2,460,000 $410,000 $6,161 7.23%
PUNTA GORDA, FL (FHA|USDA|VA) 8 $2,320,000 $290,000 $11,057 7.02%
Statesboro, GA (FHA|USDA|VA) 10 $2,280,000 $228,000 $5,938 6.62%
Cañon City, CO (FHA|USDA|VA) 8 $2,240,000 $280,000 $9,488 7.25%
FORT COLLINS, CO (FHA|USDA|VA) 5 $2,235,000 $447,000 $10,096 6.19%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $2,220,000 $555,000 $12,035 5.72%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 8 $2,220,000 $277,500 $14,712 6.17%
Bozeman, MT (FHA|USDA|VA) 4 $2,190,000 $547,500 $5,611 7.96%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 4 $2,170,000 $542,500 $13,579 7.93%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 8 $2,150,000 $268,750 $6,277 6.41%
Port Angeles, WA (FHA|USDA|VA) 5 $2,135,000 $427,000 $12,461 7.84%
Vernal, UT (FHA|USDA|VA) 7 $2,105,000 $300,714 $12,386 6.87%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $2,095,000 $419,000 $9,493 6.40%
Albemarle, NC (FHA|USDA|VA) 9 $2,075,000 $230,556 $6,269 7.43%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 7 $2,025,000 $289,286 $9,214 6.50%
Danville, KY (FHA|USDA|VA) 11 $1,995,000 $181,364 $6,189 6.28%
Prineville, OR (FHA|USDA|VA) 2 $1,990,000 $995,000 $35,520 6.31%
Vidalia, GA (FHA|USDA|VA) 11 $1,985,000 $180,455 $6,991 6.89%
Sonora, CA (FHA|USDA|VA) 6 $1,970,000 $328,333 $7,663 7.23%
MONTGOMERY, AL (FHA|USDA|VA) 9 $1,925,000 $213,889 $8,250 7.30%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 9 $1,905,000 $211,667 $7,852 7.25%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 6 $1,890,000 $315,000 $8,298 6.75%
PITTSBURGH, PA (FHA|USDA|VA) 5 $1,885,000 $377,000 $7,098 8.17%
RICHMOND, VA (FHA|USDA|VA) 5 $1,845,000 $369,000 $4,256 7.01%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 5 $1,835,000 $367,000 $5,536 6.05%
Scottsburg, IN (FHA|USDA|VA) 12 $1,830,000 $152,500 $5,622 5.61%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $1,820,000 $303,333 $7,042 7.78%
MORRISTOWN, TN (FHA|USDA|VA) 8 $1,810,000 $226,250 $6,195 7.31%
Helena, MT (FHA|USDA|VA) 2 $1,750,000 $875,000 $7,879 8.06%
BOWLING GREEN, KY (FHA|USDA|VA) 5 $1,655,000 $331,000 $8,060 6.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 7 $1,645,000 $235,000 $6,236 7.24%
ROCHESTER, NY (FHA|USDA|VA) 4 $1,640,000 $410,000 $8,066 8.03%
SPRINGFIELD, MA (FHA|USDA|VA) 6 $1,640,000 $273,333 $7,994 7.45%
SALINAS, CA (FHA|USDA|VA) 3 $1,635,000 $545,000 $5,243 6.25%
ANCHORAGE, AK (FHA|USDA|VA) 4 $1,600,000 $400,000 $20,053 7.56%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 9 $1,595,000 $177,222 $10,244 7.00%
Fort Morgan, CO (FHA|USDA|VA) 6 $1,560,000 $260,000 $9,537 7.10%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,550,000 $775,000 $22,792 8.00%
LUBBOCK, TX (FHA|USDA|VA) 6 $1,530,000 $255,000 $7,700 7.94%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,520,000 $253,333 $8,558 7.40%
Vineyard Haven, MA (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $0 9.21%
STOCKTON, CA (FHA|USDA|VA) 3 $1,495,000 $498,333 $10,361 6.29%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,470,000 $367,500 $7,329 6.59%
SPARTANBURG, SC (FHA|USDA|VA) 6 $1,460,000 $243,333 $7,178 7.02%
Edwards, CO (FHA|USDA|VA) 2 $1,430,000 $715,000 $10,352 7.13%
Key West, FL (FHA|USDA|VA) 3 $1,425,000 $475,000 $7,813 8.42%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,410,000 $352,500 $9,736 7.72%
Breckenridge, CO (FHA|USDA|VA) 1 $1,385,000 $1,385,000 $0 8.34%
HINESVILLE, GA (FHA|USDA|VA) 4 $1,380,000 $345,000 $5,751 6.50%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $1,360,000 $340,000 $7,967 6.25%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 7 $1,345,000 $192,143 $7,780 5.95%
OKLAHOMA CITY, OK (FHA|USDA|VA) 5 $1,345,000 $269,000 $11,275 7.08%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 4 $1,340,000 $335,000 $6,902 6.31%
MISSOULA, MT (FHA|USDA|VA) 3 $1,335,000 $445,000 $8,284 6.58%
Laconia, NH (FHA|USDA|VA) 4 $1,330,000 $332,500 $8,745 7.19%
VALLEJO, CA (FHA|USDA|VA) 2 $1,330,000 $665,000 $16,505 7.43%
ANN ARBOR, MI (FHA|USDA|VA) 5 $1,325,000 $265,000 $6,348 6.45%
Fernley, NV (FHA|USDA|VA) 5 $1,305,000 $261,000 $12,097 7.28%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $1,300,000 $325,000 $7,179 6.41%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 4 $1,280,000 $320,000 $9,841 6.81%
ALBUQUERQUE, NM (FHA|USDA|VA) 4 $1,270,000 $317,500 $4,267 6.19%
NILES, MI (FHA|USDA|VA) 4 $1,230,000 $307,500 $6,261 7.49%
London, KY (FHA|USDA|VA) 7 $1,225,000 $175,000 $6,615 6.78%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $1,220,000 $305,000 $9,088 7.50%
Jasper, IN (FHA|USDA|VA) 4 $1,220,000 $305,000 $4,613 7.12%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $1,215,000 $405,000 $6,745 6.96%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $1,175,000 $391,667 $11,205 6.46%
WICHITA, KS (FHA|USDA|VA) 5 $1,175,000 $235,000 $10,895 8.25%
GREEN BAY, WI (FHA|USDA|VA) 4 $1,160,000 $290,000 $4,154 7.33%
CORPUS CHRISTI, TX (FHA|USDA|VA) 3 $1,155,000 $385,000 $11,266 7.62%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $1,155,000 $385,000 $10,257 8.42%
Shelby, NC (FHA|USDA|VA) 6 $1,150,000 $191,667 $5,534 4.90%
MADERA, CA (FHA|USDA|VA) 3 $1,145,000 $381,667 $9,005 6.54%
Cullowhee, NC (FHA|USDA|VA) 3 $1,135,000 $378,333 $10,695 6.75%
Steamboat Springs, CO (FHA|USDA|VA) 2 $1,130,000 $565,000 $7,375 7.33%
Zanesville, OH (FHA|USDA|VA) 4 $1,120,000 $280,000 $10,745 7.16%
BELLINGHAM, WA (FHA|USDA|VA) 4 $1,100,000 $275,000 $4,107 8.64%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 3 $1,095,000 $365,000 $5,406 7.03%
STATE COLLEGE, PA (FHA|USDA|VA) 3 $1,085,000 $361,667 $12,198 7.66%
HARRISONBURG, VA (FHA|USDA|VA) 2 $1,080,000 $540,000 $11,512 6.56%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 5 $1,015,000 $203,000 $6,696 6.58%
BRUNSWICK, GA (FHA|USDA|VA) 3 $1,015,000 $338,333 $3,751 8.19%
DAYTON-KETTERING, OH (FHA|USDA|VA) 7 $1,005,000 $143,571 $4,398 6.92%
Bennington, VT (FHA|USDA|VA) 2 $1,000,000 $500,000 $12,585 6.63%
Sandpoint, ID (FHA|USDA|VA) 1 $985,000 $985,000 $49,953 6.63%
Lebanon, NH-VT (FHA|USDA|VA) 3 $975,000 $325,000 $5,363 6.75%
LAS CRUCES, NM (FHA|USDA|VA) 3 $965,000 $321,667 $9,498 6.96%
GREENVILLE, NC (FHA|USDA|VA) 3 $965,000 $321,667 $10,730 5.92%
JACKSON, MI (FHA|USDA|VA) 6 $950,000 $158,333 $4,039 5.00%
WENATCHEE, WA (FHA|USDA|VA) 3 $945,000 $315,000 $10,038 6.92%
CHEYENNE, WY (FHA|USDA|VA) 3 $915,000 $305,000 $12,640 7.17%
TERRE HAUTE, IN (FHA|USDA|VA) 7 $915,000 $130,714 $3,544 6.34%
ST. CLOUD, MN (FHA|USDA|VA) 2 $910,000 $455,000 $4,163 7.00%
Granbury, TX (FHA|USDA|VA) 3 $895,000 $298,333 $7,405 6.79%
ROCKY MOUNT, NC (FHA|USDA|VA) 4 $880,000 $220,000 $10,266 7.03%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $880,000 $440,000 $16,130 8.60%
Taos, NM (FHA|USDA|VA) 1 $875,000 $875,000 $52,541 7.50%
Seneca, SC (FHA|USDA|VA) 4 $860,000 $215,000 $6,054 8.77%
DuBois, PA (FHA|USDA|VA) 2 $850,000 $425,000 $13,509 6.31%
Dublin, GA (FHA|USDA|VA) 3 $845,000 $281,667 $8,848 7.25%
Toccoa, GA (FHA|USDA|VA) 1 $845,000 $845,000 $0 7.96%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $840,000 $420,000 $8,406 6.44%
Pottsville, PA (FHA|USDA|VA) 5 $835,000 $167,000 $6,724 6.23%
Aberdeen, WA (FHA|USDA|VA) 3 $805,000 $268,333 $9,395 6.21%
Thomasville, GA (FHA|USDA|VA) 2 $800,000 $400,000 $12,280 6.56%
Cornelia, GA (FHA|USDA|VA) 2 $800,000 $400,000 $4,847 7.00%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $790,000 $395,000 $7,570 6.88%
Athens, TX (FHA|USDA|VA) 2 $790,000 $395,000 $8,446 7.00%
Fredericksburg, TX (FHA|USDA|VA) 1 $785,000 $785,000 $13,191 6.88%
Sturgis, MI (FHA|USDA|VA) 6 $770,000 $128,333 $3,481 4.63%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $755,000 $251,667 $8,114 7.40%
SANTA FE, NM (FHA|USDA|VA) 2 $750,000 $375,000 $3,384 6.06%
FLINT, MI (FHA|USDA|VA) 3 $745,000 $248,333 $6,084 8.29%
TYLER, TX (FHA|USDA|VA) 2 $740,000 $370,000 $0 9.16%
Wabash, IN (FHA|USDA|VA) 3 $725,000 $241,667 $1,890 5.14%
Moses Lake, WA (FHA|USDA|VA) 3 $725,000 $241,667 $7,366 8.11%
AKRON, OH (FHA|USDA|VA) 7 $715,000 $102,143 $4,812 6.75%
The Dalles, OR (FHA|USDA|VA) 1 $715,000 $715,000 $25,712 8.75%
Othello, WA (FHA|USDA|VA) 1 $715,000 $715,000 $34,200 8.13%
FARGO, ND-MN (FHA|USDA|VA) 2 $710,000 $355,000 $4,723 6.00%
Morehead City, NC (FHA|USDA|VA) 3 $695,000 $231,667 $6,107 8.33%
TOLEDO, OH (FHA|USDA|VA) 4 $690,000 $172,500 $6,985 7.31%
BATON ROUGE, LA (FHA|USDA|VA) 4 $680,000 $170,000 $7,831 7.09%
ST. GEORGE, UT (FHA|USDA|VA) 2 $670,000 $335,000 $6,105 7.92%
CEDAR RAPIDS, IA (FHA|USDA|VA) 3 $665,000 $221,667 $10,208 6.95%
Brevard, NC (FHA|USDA|VA) 2 $660,000 $330,000 $7,785 6.94%
SUMTER, SC (FHA|USDA|VA) 2 $660,000 $330,000 $7,299 7.13%
Burley, ID (FHA|USDA|VA) 2 $660,000 $330,000 $9,001 6.62%
Jefferson, GA (FHA|USDA|VA) 1 $655,000 $655,000 $15,017 6.88%
Okeechobee, FL (FHA|USDA|VA) 3 $655,000 $218,333 $18,049 7.25%
Bedford, IN (FHA|USDA|VA) 5 $645,000 $129,000 $4,691 6.82%
Las Vegas, NM (FHA|USDA|VA) 2 $640,000 $320,000 $5,170 6.88%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $640,000 $320,000 $6,597 6.25%
Searcy, AR (FHA|USDA|VA) 2 $640,000 $320,000 $8,660 6.25%
STAUNTON, VA (FHA|USDA|VA) 2 $630,000 $315,000 $4,268 6.38%
Spearfish, SD (FHA|USDA|VA) 1 $625,000 $625,000 $19,947 6.75%
CLEVELAND, TN (FHA|USDA|VA) 3 $625,000 $208,333 $8,719 6.04%
Seymour, IN (FHA|USDA|VA) 5 $625,000 $125,000 $3,648 4.23%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $620,000 $310,000 $10,364 6.81%
TULSA, OK (FHA|USDA|VA) 3 $615,000 $205,000 $6,998 7.01%
Durango, CO (FHA|USDA|VA) 2 $610,000 $305,000 $4,504 8.13%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $605,000 $201,667 $5,471 6.21%
Glasgow, KY (FHA|USDA|VA) 4 $600,000 $150,000 $5,269 6.81%
CHICO, CA (FHA|USDA|VA) 1 $595,000 $595,000 $2,300 5.63%
Georgetown, SC (FHA|USDA|VA) 2 $590,000 $295,000 $9,009 6.94%
Bonham, TX (FHA|USDA|VA) 1 $585,000 $585,000 $8,098 6.75%
DALTON, GA (FHA|USDA|VA) 2 $580,000 $290,000 $11,320 6.19%
Poplar Bluff, MO (FHA|USDA|VA) 1 $565,000 $565,000 $5,976 6.99%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $565,000 $565,000 $4,572 7.25%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $560,000 $140,000 $5,058 7.38%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $555,000 $185,000 $9,825 7.42%
Keene, NH (FHA|USDA|VA) 2 $550,000 $275,000 $8,586 6.81%
Newport, OR (FHA|USDA|VA) 2 $550,000 $275,000 $4,963 6.56%
Concord, NH (FHA|USDA|VA) 2 $550,000 $275,000 $3,166 6.63%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $545,000 $545,000 $0 9.21%
IDAHO FALLS, ID (FHA|USDA|VA) 2 $540,000 $270,000 $9,090 8.41%
LaGrange, GA-AL (FHA|USDA|VA) 2 $540,000 $270,000 $9,581 6.75%
Campbellsville, KY (FHA|USDA|VA) 5 $535,000 $107,000 $5,068 5.98%
NEW BERN, NC (FHA|USDA|VA) 2 $530,000 $265,000 $8,495 7.12%
MIDLAND, MI (FHA|USDA|VA) 2 $530,000 $265,000 $3,520 6.68%
HAMMOND, LA (FHA|USDA|VA) 2 $530,000 $265,000 $6,123 6.31%
Kapaa, HI (FHA|USDA|VA) 1 $525,000 $525,000 $4,413 7.38%
BINGHAMTON, NY (FHA|USDA|VA) 3 $525,000 $175,000 $9,100 7.21%
LONGVIEW, WA (FHA|USDA|VA) 2 $520,000 $260,000 $4,318 6.25%
LEWISTON, ID-WA (FHA|USDA|VA) 2 $520,000 $260,000 $13,140 6.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $515,000 $171,667 $7,683 7.63%
Mount Sterling, KY (FHA|USDA|VA) 4 $510,000 $127,500 $5,953 5.91%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $505,000 $168,333 $0 8.20%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $505,000 $505,000 $2,815 5.63%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $505,000 $505,000 $21,167 7.13%
Safford, AZ (FHA|USDA|VA) 1 $505,000 $505,000 $5,673 5.75%
RAPID CITY, SD (FHA|USDA|VA) 2 $490,000 $245,000 $8,719 7.06%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $480,000 $240,000 $5,450 6.56%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $480,000 $240,000 $6,721 7.44%
Payson, AZ (FHA|USDA|VA) 1 $475,000 $475,000 $5,347 6.75%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $475,000 $158,333 $7,872 7.71%
Ellensburg, WA (FHA|USDA|VA) 1 $475,000 $475,000 $16,926 6.75%
JACKSON, MS (FHA|USDA|VA) 2 $470,000 $235,000 $10,010 5.31%
Greeneville, TN (FHA|USDA|VA) 2 $470,000 $235,000 $6,791 6.25%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $470,000 $235,000 $4,811 6.00%
Harrison, AR (FHA|USDA|VA) 1 $465,000 $465,000 $17,235 7.13%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $465,000 $155,000 $4,914 7.29%
Wilson, NC (FHA|USDA|VA) 3 $455,000 $151,667 $7,217 6.29%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $455,000 $455,000 $8,899 7.38%
YAKIMA, WA (FHA|USDA|VA) 1 $455,000 $455,000 $3,974 6.50%
SAGINAW, MI (FHA|USDA|VA) 2 $450,000 $225,000 $4,028 7.00%
ROCKFORD, IL (FHA|USDA|VA) 4 $450,000 $112,500 $8,377 8.03%
Orangeburg, SC (FHA|USDA|VA) 3 $445,000 $148,333 $6,981 6.58%
Rutland, VT (FHA|USDA|VA) 2 $440,000 $220,000 $7,507 7.12%
Bluffton, IN (FHA|USDA|VA) 1 $425,000 $425,000 $15,161 8.00%
Calhoun, GA (FHA|USDA|VA) 2 $420,000 $210,000 $7,557 6.25%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $420,000 $210,000 $15,235 6.13%
Branson, MO (FHA|USDA|VA) 2 $420,000 $210,000 $3,382 7.79%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 3 $415,000 $138,333 $7,033 6.58%
MUNCIE, IN (FHA|USDA|VA) 1 $415,000 $415,000 $6,764 6.88%
Sanford, NC (FHA|USDA|VA) 2 $410,000 $205,000 $9,215 6.63%
UTICA-ROME, NY (FHA|USDA|VA) 2 $390,000 $195,000 $8,377 6.94%
Vincennes, IN (FHA|USDA|VA) 5 $385,000 $77,000 $3,738 6.52%
Coldwater, MI (FHA|USDA|VA) 2 $380,000 $190,000 $8,508 6.87%
Crawfordsville, IN (FHA|USDA|VA) 2 $380,000 $190,000 $6,495 8.25%
ALBANY, GA (FHA|USDA|VA) 3 $365,000 $121,667 $4,194 4.29%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $365,000 $365,000 $5,287 6.25%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 3 $365,000 $121,667 $5,128 7.83%
LYNCHBURG, VA (FHA|USDA|VA) 1 $365,000 $365,000 $4,194 7.38%
FAIRBANKS, AK (FHA|USDA|VA) 1 $355,000 $355,000 $0 6.63%
Enterprise, AL (FHA|USDA|VA) 1 $355,000 $355,000 $1,288 6.25%
Astoria, OR (FHA|USDA|VA) 1 $355,000 $355,000 $5,285 5.88%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $355,000 $355,000 $0 8.53%
WHEELING, WV-OH (FHA|USDA|VA) 2 $330,000 $165,000 $9,273 5.56%
Rock Springs, WY (FHA|USDA|VA) 1 $325,000 $325,000 $10,821 6.25%
Ontario, OR-ID (FHA|USDA|VA) 1 $315,000 $315,000 $13,037 6.63%
Brainerd, MN (FHA|USDA|VA) 1 $305,000 $305,000 $0 7.71%
Adrian, MI (FHA|USDA|VA) 1 $305,000 $305,000 $3,605 6.38%
VISALIA, CA (FHA|USDA|VA) 1 $305,000 $305,000 $5,010 6.88%
Elko, NV (FHA|USDA|VA) 1 $305,000 $305,000 $6,291 6.75%
Plainview, TX (FHA|USDA|VA) 2 $300,000 $150,000 $6,433 6.94%
THE VILLAGES, FL (FHA|USDA|VA) 1 $295,000 $295,000 $8,652 6.50%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $295,000 $98,333 $3,203 8.07%
Montrose, CO (FHA|USDA|VA) 2 $290,000 $145,000 $4,936 7.19%
Huntingdon, PA (FHA|USDA|VA) 2 $290,000 $145,000 $7,297 6.81%
GREAT FALLS, MT (FHA|USDA|VA) 1 $285,000 $285,000 $6,446 6.50%
LINCOLN, NE (FHA|USDA|VA) 1 $285,000 $285,000 $8,338 6.75%
JOPLIN, MO (FHA|USDA|VA) 1 $285,000 $285,000 $11,581 6.63%
SALEM, OR (FHA|USDA|VA) 1 $285,000 $285,000 $12,950 8.00%
St. Marys, GA (FHA|USDA|VA) 1 $285,000 $285,000 $7,941 6.63%
Sayre, PA (FHA|USDA|VA) 1 $285,000 $285,000 $3,435 5.75%
Marion, IN (FHA|USDA|VA) 2 $280,000 $140,000 $5,663 7.63%
Cadillac, MI (FHA|USDA|VA) 1 $275,000 $275,000 $3,339 6.63%
GAINESVILLE, FL (FHA|USDA|VA) 1 $275,000 $275,000 $8,669 7.63%
Hutchinson, MN (FHA|USDA|VA) 2 $270,000 $135,000 $5,751 6.94%
Shelton, WA (FHA|USDA|VA) 2 $270,000 $135,000 $5,851 3.69%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $265,000 $265,000 $9,267 7.49%
Tupelo, MS (FHA|USDA|VA) 1 $265,000 $265,000 $6,829 6.50%
LONGVIEW, TX (FHA|USDA|VA) 1 $265,000 $265,000 $10,481 6.75%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $265,000 $265,000 $14,507 6.25%
DULUTH, MN-WI (FHA|USDA|VA) 1 $265,000 $265,000 $4,714 6.63%
Martinsville, VA (FHA|USDA|VA) 2 $260,000 $130,000 $7,696 7.13%
McAlester, OK (FHA|USDA|VA) 1 $255,000 $255,000 $3,597 6.75%
Price, UT (FHA|USDA|VA) 1 $255,000 $255,000 $10,284 7.13%
PITTSFIELD, MA (FHA|USDA|VA) 1 $255,000 $255,000 $7,913 6.88%
Alma, MI (FHA|USDA|VA) 3 $255,000 $85,000 $3,309 4.84%
Washington, NC (FHA|USDA|VA) 1 $255,000 $255,000 $6,935 6.63%
Whitewater, WI (FHA|USDA|VA) 1 $255,000 $255,000 $7,303 7.63%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $245,000 $245,000 $0 9.16%
Torrington, CT (FHA|USDA|VA) 1 $245,000 $245,000 $6,194 6.75%
Murray, KY (FHA|USDA|VA) 1 $245,000 $245,000 $9,400 7.25%
Uvalde, TX (FHA|USDA|VA) 1 $245,000 $245,000 $1,614 5.75%
Elkins, WV (FHA|USDA|VA) 1 $245,000 $245,000 $3,726 8.00%
ROCHESTER, MN (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.00%
ELMIRA, NY (FHA|USDA|VA) 1 $235,000 $235,000 $3,776 6.63%
Newport, TN (FHA|USDA|VA) 1 $235,000 $235,000 $9,044 6.25%
Alexandria, MN (FHA|USDA|VA) 1 $235,000 $235,000 $9,679 5.75%
OWENSBORO, KY (FHA|USDA|VA) 2 $230,000 $115,000 $5,446 8.25%
Central City, KY (FHA|USDA|VA) 1 $225,000 $225,000 $5,973 6.25%
Madison, IN (FHA|USDA|VA) 1 $225,000 $225,000 $3,942 6.13%
FARMINGTON, NM (FHA|USDA|VA) 1 $225,000 $225,000 $7,190 5.88%
BECKLEY, WV (FHA|USDA|VA) 1 $215,000 $215,000 $5,383 6.63%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $215,000 $215,000 $2,702 6.88%
APPLETON, WI (FHA|USDA|VA) 1 $215,000 $215,000 $7,994 6.88%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 2 $210,000 $105,000 $5,386 7.38%
Nogales, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $3,497 6.63%
BURLINGTON, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,349 7.99%
COLUMBUS, IN (FHA|USDA|VA) 1 $205,000 $205,000 $5,909 6.99%
ERIE, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,572 6.13%
GOLDSBORO, NC (FHA|USDA|VA) 1 $205,000 $205,000 $11,084 6.63%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $205,000 $205,000 $3,305 6.13%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $205,000 $205,000 $4,692 6.99%
St. Marys, PA (FHA|USDA|VA) 1 $205,000 $205,000 $8,761 7.38%
Sunbury, PA (FHA|USDA|VA) 1 $205,000 $205,000 $7,216 6.25%
Greensburg, IN (FHA|USDA|VA) 1 $195,000 $195,000 $8,367 6.75%
Picayune, MS (FHA|USDA|VA) 1 $195,000 $195,000 $10,034 5.75%
Crossville, TN (FHA|USDA|VA) 1 $195,000 $195,000 $4,951 6.38%
North Wilkesboro, NC (FHA|USDA|VA) 1 $195,000 $195,000 $6,306 8.75%
Defiance, OH (FHA|USDA|VA) 1 $195,000 $195,000 $6,917 6.75%
Jasper, AL (FHA|USDA|VA) 4 $190,000 $47,500 $0 8.53%
Madisonville, KY (FHA|USDA|VA) 1 $185,000 $185,000 $550 6.38%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $185,000 $185,000 $6,183 6.99%
Parsons, KS (FHA|USDA|VA) 1 $185,000 $185,000 $11,202 5.88%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.63%
Paris, TN (FHA|USDA|VA) 1 $175,000 $175,000 $4,812 6.50%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $175,000 $175,000 $3,485 7.50%
Paris, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 11.25%
PEORIA, IL (FHA|USDA|VA) 1 $175,000 $175,000 $4,127 6.25%
Pullman, WA (FHA|USDA|VA) 2 $170,000 $85,000 $2,468 3.63%
Big Rapids, MI (FHA|USDA|VA) 1 $165,000 $165,000 $6,435 6.13%
Ruidoso, NM (FHA|USDA|VA) 1 $165,000 $165,000 $5,627 6.75%
Moscow, ID (FHA|USDA|VA) 1 $165,000 $165,000 $7,223 6.50%
Kinston, NC (FHA|USDA|VA) 1 $165,000 $165,000 $5,471 7.13%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $165,000 $165,000 $0 6.99%
Dyersburg, TN (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.50%
MORGANTOWN, WV (FHA|USDA|VA) 1 $155,000 $155,000 $5,820 6.13%
Lumberton, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,169 7.50%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $155,000 $155,000 $3,369 6.38%
Union City, TN (FHA|USDA|VA) 1 $155,000 $155,000 $8,115 6.50%
Kendallville, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,894 9.25%
Kearney, NE (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.63%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $155,000 $155,000 $4,262 6.50%
Snyder, TX (FHA|USDA|VA) 1 $155,000 $155,000 $2,883 6.38%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $145,000 $145,000 $4,923 7.00%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $135,000 $135,000 $7,380 6.25%
Gaffney, SC (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.88%
Huntington, IN (FHA|USDA|VA) 1 $135,000 $135,000 $0 9.46%
Indiana, PA (FHA|USDA|VA) 1 $135,000 $135,000 $4,550 6.25%
Atmore, AL (FHA|USDA|VA) 1 $125,000 $125,000 $3,965 6.75%
Angola, IN (FHA|USDA|VA) 1 $125,000 $125,000 $4,156 7.88%
VICTORIA, TX (FHA|USDA|VA) 2 $120,000 $60,000 $3,050 3.25%
Selma, AL (FHA|USDA|VA) 2 $120,000 $60,000 $4,126 6.75%
LAFAYETTE, LA (FHA|USDA|VA) 1 $115,000 $115,000 $5,225 7.25%
HATTIESBURG, MS (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.00%
Van Wert, OH (FHA|USDA|VA) 1 $115,000 $115,000 $7,497 5.75%
Warsaw, IN (FHA|USDA|VA) 1 $105,000 $105,000 $5,440 6.38%
ALTOONA, PA (FHA|USDA|VA) 1 $105,000 $105,000 $4,075 5.25%
MOBILE, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.25%
Middlesborough, KY (FHA|USDA|VA) 2 $100,000 $50,000 $2,742 5.13%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $95,000 $95,000 $4,415 6.00%
Altus, OK (FHA|USDA|VA) 1 $85,000 $85,000 $6,272 7.25%
Palatka, FL (FHA|USDA|VA) 1 $85,000 $85,000 $6,958 7.25%
Kirksville, MO (FHA|USDA|VA) 1 $85,000 $85,000 $4,473 6.00%
LAWTON, OK (FHA|USDA|VA) 1 $85,000 $85,000 $5,194 6.75%
Danville, VA (FHA|USDA|VA) 1 $75,000 $75,000 $0 9.12%
MANSFIELD, OH (FHA|USDA|VA) 1 $75,000 $75,000 $3,429 6.50%
Atchison, KS (FHA|USDA|VA) 1 $65,000 $65,000 $0 12.45%
Hillsdale, MI (FHA|USDA|VA) 1 $65,000 $65,000 $2,805 7.88%
Bemidji, MN (FHA|USDA|VA) 1 $65,000 $65,000 $2,008 10.88%
Berlin, NH (FHA|USDA|VA) 1 $65,000 $65,000 $4,905 7.38%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $55,000 $55,000 $3,002 11.33%
BAY CITY, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 11.70%
Olean, NY (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.13%
DANVILLE, IL (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.63%
KOKOMO, IN (FHA|USDA|VA) 1 $45,000 $45,000 $0 6.99%
Aberdeen, SD (FHA|USDA|VA) 1 $35,000 $35,000 $0 11.45%
IOWA CITY, IA (FHA|USDA|VA) 1 $25,000 $25,000 $1,950 11.88%
Northpointe Bank's top markets include New York, Louisville, Denver, Providence, and Charlotte among others.

Their top states include:
  • New Jersey (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,089 $2,048,935,000 $336,498 $8,085 6.93%
    FHA 2,186 $617,090,000 $282,292 $11,465 5.78%
    HELOC 872 $349,820,000 $401,170 n/a 9.38%
    VA 556 $196,080,000 $352,662 $9,744 6.24%
    USDA 87 $16,635,000 $191,207 $7,127 6.09%

    For 2023, Northpointe Bank's most frequently originated type of loan was Conventional, with 6,089 originations. Their 2nd most popular type was FHA, with 2,186 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 8,154 $2,728,980,000 $334,680 $9,126 6.54%
    Cash Out Refi 1,018 $319,800,000 $314,145 $9,427 8.03%
    Refi 370 $130,920,000 $353,838 $7,145 7.64%
    Other 214 $25,110,000 $117,336 $2,799 11.26%
    Home Improvement 34 $23,750,000 $698,529 $22,810 7.76%

    For 2023, Northpointe Bank's most frequently cited loan purpose was Home Purchase, with 8,154 originations. The 2nd most popular reason was Cash Out Refi, with 1,018 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 9,117 $3,022,285,000 $331,500 $9,250 6.96%
    30+ year 207 $126,215,000 $609,734 $12,709 8.11%
    10 Year 170 $2,220,000 $13,059 $95 3.72%
    15 Year 108 $20,890,000 $193,426 $5,244 4.78%
    Other 103 $35,125,000 $341,019 $10,020 3.71%
    20 Year 41 $11,485,000 $280,122 $8,224 6.20%
    5 Year 22 $330,000 $15,000 $0 0.00%
    1 Year 17 $9,975,000 $586,765 $13,892 7.49%
    3 Year 5 $35,000 $7,000 $0 0.00%

    For 2023, Northpointe Bank's most frequently cited loan duration was 30 Year, with 9,117 originations. The 2nd most popular length was 30+ year, with 207 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,753 $1,262,515,000 $458,596
    $1k-2k 1,727 $526,795,000 $305,035
    $2k-3k 1,122 $281,770,000 $251,132
    $3k-4k 1,061 $292,905,000 $276,065
    $4k-5k 841 $262,315,000 $311,908
    $<1k 752 $77,200,000 $102,660

    Northpointe Bank's average total fees were $9,250, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,753 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 4,427 $1,445,755,000 $326,577
    7-8% 1,927 $681,705,000 $353,765
    Over 8% 1,606 $584,840,000 $364,159
    5-6% 1,266 $455,320,000 $359,652
    <2.5% 307 $4,235,000 $13,795
    3-4% 143 $9,715,000 $67,937
    4-5% 113 $46,975,000 $415,708
    2.5-3% 1 $15,000 $15,000

    During 2023, Northpointe Bank's average interest rate for loans was 6.96%, while their most frequently originated rate bucket for loans was 6-7%, with 4,427 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,038 $1,177,860,000 $291,694 $8,838 6.88%
    $400k-600k 1,914 $923,900,000 $482,706 $12,196 6.87%
    $100k-200k 1,894 $293,870,000 $155,158 $5,826 7.29%
    $100,000 or less 999 $43,855,000 $43,899 $1,416 5.40%
    $600k-1MM 780 $561,210,000 $719,500 $16,247 7.10%
    $1MM+ 165 $227,865,000 $1,381,000 $27,875 8.08%

    2023 saw Northpointe Bank place emphasis on $200k-400k loans with 4,038 originations, totaling $1,177,860,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,324 $762,150,000 $327,948 $9,961 6.73%
    $150k-250k 1,920 $788,690,000 $410,776 $10,611 7.29%
    $75k-100k 1,611 $405,725,000 $251,847 $8,034 6.37%
    $50k-75k 1,590 $295,700,000 $185,975 $6,419 6.15%
    $250k+ 1,372 $798,430,000 $581,946 $12,236 7.74%
    $50k or less 622 $79,420,000 $127,685 $4,894 6.02%

    Northpointe Bank lent most frequently to those with incomes in the $100k-150k range, with 2,324 originations. The second most popular income band? $150k-250k, with 1,920 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,457 $484,255,000 $332,364 $8,084 6.88%
    20-30% 1,233 $392,345,000 $318,204 $7,377 7.06%
    50-60% 865 $307,615,000 $355,624 $13,272 6.26%
    42% 632 $233,760,000 $369,873 $8,440 7.27%
    49% 471 $163,235,000 $346,571 $10,238 6.76%
    40% 465 $148,715,000 $319,817 $7,951 6.78%
    41% 431 $145,265,000 $337,042 $8,592 6.87%
    39% 408 $128,160,000 $314,118 $8,160 6.93%
    43% 398 $127,280,000 $319,799 $8,773 6.55%
    44% 394 $117,100,000 $297,208 $8,491 6.66%
    48% 375 $137,465,000 $366,573 $10,477 6.69%
    <20% 366 $122,970,000 $335,984 $7,472 7.20%
    46% 357 $117,505,000 $329,146 $9,704 6.52%
    38% 349 $107,005,000 $306,605 $7,736 6.78%
    47% 324 $107,950,000 $333,179 $9,029 6.39%
    45% 317 $104,065,000 $328,281 $9,559 6.46%
    37% 317 $100,985,000 $318,565 $7,779 6.87%
    36% 307 $92,325,000 $300,733 $7,823 6.71%
    >60% 9 $3,335,000 $370,556 $13,382 6.15%

    Northpointe Bank lent most frequently to those with DTI ratios of 30-36%, with 1,457 originations. The next most common DTI ratio? 20-30%, with 1,233 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,633 $2,142,865,000 $323,061 $8,386 6.86%
    Not provided 1,902 $685,000,000 $360,147 $10,552 6.89%
    Black 800 $224,470,000 $280,588 $9,801 6.62%
    Asian 385 $151,085,000 $392,429 $9,502 6.91%
    American Indian 38 $13,120,000 $345,263 $8,887 6.52%
    Native Hawaiian or Islander 20 $8,470,000 $423,500 $60,284 6.49%
    Asian Indian 7 $2,385,000 $340,714 $8,216 7.15%
    Korean 1 $405,000 $405,000 $0 9.39%
    Chinese 1 $295,000 $295,000 $5,323 6.63%
    Other Asian 1 $235,000 $235,000 $0 8.97%
    Other Pacific Islander 2 $230,000 $115,000 $6,487 9.31%

    Approval Rates

    Total approvals of all applications
    94.92%

    Northpointe Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    47.30%

    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 9,790 $3,228,560,000 $329,781

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    9,790 $3,228,560,000 $329,781

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 428 $88,270,000 $206,238 $4,967 8.59%
    40-60% 701 $238,565,000 $340,321 $8,819 7.10%
    60-80% 2,600 $989,760,000 $380,677 $9,005 7.35%
    80-100% 5,164 $1,817,110,000 $351,880 $10,230 6.71%
    Over 100% 163 $60,475,000 $371,012 $14,699 6.27%
    Under 20% 734 $34,380,000 $46,839 $800 4.86%