Northpointe Bank Mortgage Rates, Fees & Info
Grand Rapids, MILEI: 549300UXY7OP0IC38293
Tax ID: 38-3448372
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Review & Overview
Northpointe Bank is a small bank specializing in Home Purchase loans. Northpointe Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Colorado Springs, Atlanta, Grand Rapids, Denver, and Detroit among others. We have data for 294 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.69% | 4/22/24 |
| 30 Year Conventional Refi | 6.56% | 4/22/24 |
| 30 Year Cash-out Refi | 6.87% | 4/22/24 |
| 30 Year FHA Purchase | 7.28% | 4/22/24 |
| 30 Year FHA Refi | 7.37% | 4/22/24 |
| 30 Year VA Purchase | 6.21% | 4/22/24 |
| 30 Year VA Refi | 5.86% | 4/22/24 |
| 30 Year USDA Purchase | 6.66% | 4/22/24 |
| 30 Year USDA Refi | 6.27% | 4/22/24 |
| 15 Year Conventional Purchase | 6.09% | 4/22/24 |
| 15 Year Conventional Refi | 5.98% | 4/22/24 |
| 15 Year Cash-out Refi | 5.98% | 4/22/24 |
| 15 Year FHA Purchase | 7.08% | 4/22/24 |
| 15 Year FHA Refi | 5.68% | 4/22/24 |
| 15 Year VA Purchase | 5.96% | 4/22/24 |
| 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
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This is not an official calculator from Northpointe Bank. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,599Origination Dollar Volume (All Markets)
$1,234,865,000Employee count
711Awards
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Northpointe Bank - 2018
Northpointe Bank is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 693 | $198,265,000 | $286,097 | $6,645 | 4.61% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 627 | $193,125,000 | $308,014 | $5,122 | 4.62% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 322 | $65,600,000 | $203,727 | $3,705 | 4.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 170 | $56,100,000 | $330,000 | $6,358 | 4.73% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 196 | $53,220,000 | $271,531 | $4,479 | 4.43% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 135 | $40,905,000 | $303,000 | $4,365 | 4.66% |
| Outside of Metro Areas | 151 | $32,665,000 | $216,325 | $4,741 | 4.68% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 86 | $31,380,000 | $364,884 | $6,503 | 4.79% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 118 | $21,700,000 | $183,898 | $5,840 | 4.72% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 47 | $19,255,000 | $409,681 | $5,229 | 4.43% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 93 | $19,165,000 | $206,075 | $5,905 | 4.80% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 73 | $18,745,000 | $256,781 | $5,193 | 4.87% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 42 | $18,650,000 | $444,048 | $5,798 | 4.70% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 98 | $18,310,000 | $186,837 | $3,126 | 4.82% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 45 | $16,505,000 | $366,778 | $3,879 | 4.35% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 61 | $15,855,000 | $259,918 | $4,778 | 4.46% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 53 | $15,615,000 | $294,623 | $4,805 | 4.42% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 56 | $14,850,000 | $265,179 | $3,477 | 4.60% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 37 | $13,785,000 | $372,568 | $4,255 | 4.33% |
| Holland, MI (FHA|USDA|VA) | 61 | $11,865,000 | $194,508 | $3,574 | 4.70% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 40 | $8,950,000 | $223,750 | $4,689 | 4.66% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 34 | $8,810,000 | $259,118 | $5,176 | 4.64% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 28 | $8,530,000 | $304,643 | $4,736 | 4.85% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 22 | $8,510,000 | $386,818 | $6,068 | 4.42% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 31 | $8,455,000 | $272,742 | $3,349 | 4.53% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 34 | $8,240,000 | $242,353 | $5,949 | 4.76% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 24 | $7,880,000 | $328,333 | $3,892 | 4.54% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 27 | $7,855,000 | $290,926 | $4,461 | 4.51% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 26 | $7,600,000 | $292,308 | $3,537 | 4.50% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 26 | $7,300,000 | $280,769 | $7,151 | 4.70% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 23 | $6,995,000 | $304,130 | $3,433 | 4.23% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 19 | $6,795,000 | $357,632 | $5,221 | 4.36% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 20 | $6,280,000 | $314,000 | $5,313 | 4.36% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 11 | $5,885,000 | $535,000 | $6,096 | 4.77% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 23 | $5,855,000 | $254,565 | $3,925 | 4.45% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 23 | $5,775,000 | $251,087 | $4,665 | 4.51% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 24 | $5,750,000 | $239,583 | $4,315 | 4.74% |
| MUSKEGON, MI (FHA|USDA|VA) | 40 | $5,640,000 | $141,000 | $3,477 | 4.87% |
| GREELEY, CO (FHA|USDA|VA) | 19 | $5,435,000 | $286,053 | $6,045 | 4.73% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 12 | $4,980,000 | $415,000 | $4,631 | 4.52% |
| FORT COLLINS, CO (FHA|USDA|VA) | 14 | $4,810,000 | $343,571 | $6,383 | 4.80% |
| PUEBLO, CO (FHA|USDA|VA) | 24 | $4,400,000 | $183,333 | $5,253 | 5.05% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 15 | $4,135,000 | $275,667 | $4,312 | 4.48% |
| COLUMBUS, OH (FHA|USDA|VA) | 17 | $3,975,000 | $233,824 | $4,409 | 4.32% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 12 | $3,890,000 | $324,167 | $3,592 | 4.47% |
| RICHMOND, VA (FHA|USDA|VA) | 13 | $3,885,000 | $298,846 | $3,826 | 4.40% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 16 | $3,850,000 | $240,625 | $4,220 | 4.70% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 14 | $3,830,000 | $273,571 | $4,845 | 4.52% |
| OCALA, FL (FHA|USDA|VA) | 21 | $3,505,000 | $166,905 | $4,919 | 4.44% |
| BOISE CITY, ID (FHA|USDA|VA) | 12 | $3,450,000 | $287,500 | $3,655 | 4.31% |
| RENO, NV (FHA|USDA|VA) | 10 | $3,360,000 | $336,000 | $3,288 | 4.35% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 10 | $3,270,000 | $327,000 | $6,179 | 4.54% |
| LOUISVILLE, KY (FHA|USDA|VA) | 13 | $3,225,000 | $248,077 | $3,488 | 4.53% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 23 | $3,215,000 | $139,783 | $2,973 | 4.89% |
| TUCSON, AZ (FHA|USDA|VA) | 11 | $3,145,000 | $285,909 | $5,614 | 4.58% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 9 | $3,145,000 | $349,444 | $4,166 | 4.40% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 21 | $3,095,000 | $147,381 | $3,675 | 4.95% |
| GAINESVILLE, GA (FHA|USDA|VA) | 11 | $3,085,000 | $280,455 | $5,483 | 4.46% |
| PROVO-OREM, UT (FHA|USDA|VA) | 9 | $2,985,000 | $331,667 | $3,730 | 4.33% |
| VALDOSTA, GA (FHA|USDA|VA) | 18 | $2,870,000 | $159,444 | $4,707 | 4.49% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 11 | $2,775,000 | $252,273 | $4,113 | 4.48% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 9 | $2,575,000 | $286,111 | $4,880 | 4.74% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 31 | $2,485,000 | $80,161 | $3,448 | 5.26% |
| COLUMBIA, SC (FHA|USDA|VA) | 14 | $2,480,000 | $177,143 | $3,795 | 4.98% |
| WILMINGTON, NC (FHA|USDA|VA) | 9 | $2,435,000 | $270,556 | $3,637 | 4.74% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 13 | $2,385,000 | $183,462 | $3,747 | 4.77% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $2,225,000 | $317,857 | $5,019 | 4.68% |
| FLINT, MI (FHA|USDA|VA) | 16 | $2,220,000 | $138,750 | $3,572 | 4.86% |
| BOULDER, CO (FHA|USDA|VA) | 6 | $2,180,000 | $363,333 | $5,792 | 4.48% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $2,060,000 | $257,500 | $4,357 | 4.78% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 6 | $2,040,000 | $340,000 | $4,148 | 4.21% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 6 | $1,970,000 | $328,333 | $5,535 | 4.77% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 6 | $1,970,000 | $328,333 | $6,239 | 4.38% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 9 | $1,965,000 | $218,333 | $4,367 | 4.61% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $1,845,000 | $615,000 | $6,414 | 5.13% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 4 | $1,830,000 | $457,500 | $5,421 | 4.34% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 9 | $1,765,000 | $196,111 | $4,658 | 4.86% |
| Breckenridge, CO (FHA|USDA|VA) | 4 | $1,750,000 | $437,500 | $9,763 | 4.84% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 3 | $1,745,000 | $581,667 | $18,397 | 3.71% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $3,676 | 4.23% |
| MODESTO, CA (FHA|USDA|VA) | 7 | $1,715,000 | $245,000 | $3,771 | 4.68% |
| Outside of Metro Areas | 5 | $1,705,000 | $341,000 | $3,572 | 4.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $4,065 | 4.35% |
| ANN ARBOR, MI (FHA|USDA|VA) | 7 | $1,615,000 | $230,714 | $3,429 | 4.51% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 7 | $1,585,000 | $226,429 | $3,555 | 4.39% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $3,113 | 4.33% |
| NILES, MI (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $4,207 | 4.56% |
| AKRON, OH (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $4,567 | 4.65% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $3,239 | 4.38% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 5 | $1,305,000 | $261,000 | $5,600 | 4.45% |
| Traverse City, MI (FHA|USDA|VA) | 7 | $1,285,000 | $183,571 | $3,518 | 5.09% |
| Jefferson, GA (FHA|USDA|VA) | 6 | $1,280,000 | $213,333 | $4,994 | 4.31% |
| Oak Harbor, WA (FHA|USDA|VA) | 4 | $1,250,000 | $312,500 | $6,090 | 4.59% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 8 | $1,250,000 | $156,250 | $2,481 | 4.88% |
| Glenwood Springs, CO (FHA|USDA|VA) | 7 | $1,215,000 | $173,571 | $6,130 | 5.20% |
| PITTSBURGH, PA (FHA|USDA|VA) | 12 | $1,210,000 | $100,833 | $3,635 | 5.03% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $3,265 | 4.13% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 4 | $1,170,000 | $292,500 | $4,401 | 4.31% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $6,678 | 5.38% |
| MOBILE, AL (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $4,653 | 4.53% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $3,103 | 4.84% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 7 | $1,115,000 | $159,286 | $6,068 | 4.52% |
| SALINAS, CA (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $5,610 | 5.46% |
| MONTGOMERY, AL (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $3,538 | 4.73% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $6,649 | 4.00% |
| Edwards, CO (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $4,972 | 4.42% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 6 | $1,090,000 | $181,667 | $7,058 | 4.67% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $3,346 | 4.56% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $3,919 | 4.75% |
| LAFAYETTE, LA (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $3,642 | 4.19% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $4,607 | 4.38% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $960,000 | $480,000 | $8,880 | 4.31% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $2,473 | 4.42% |
| BATON ROUGE, LA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $2,703 | 4.33% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $7,457 | 4.42% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $3,583 | 4.88% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $14,494 | 4.75% |
| MIDLAND, MI (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $7,034 | 4.54% |
| Concord, NH (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $2,932 | 4.33% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $4,694 | 4.29% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $3,965 | 4.38% |
| FORT WAYNE, IN (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $4,990 | 4.47% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,375 | 4.38% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 6 | $760,000 | $126,667 | $3,345 | 5.23% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $3,857 | 4.31% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $4,349 | 4.72% |
| Ludington, MI (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $2,284 | 4.62% |
| Boone, NC (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,628 | 4.56% |
| Richmond-Berea, KY (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $4,758 | 5.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $3,871 | 4.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $4,940 | 4.25% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,844 | 4.31% |
| Cornelia, GA (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $5,577 | 4.25% |
| Montrose, CO (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $7,892 | 4.50% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,075 | 4.88% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,654 | 4.31% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $5,212 | 3.69% |
| REDDING, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,161 | 4.88% |
| Big Rapids, MI (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $3,374 | 4.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $2,995 | 4.67% |
| BAY CITY, MI (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $5,453 | 5.25% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,327 | 4.56% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,883 | 4.31% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,378 | 4.13% |
| ERIE, PA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $6,364 | 4.63% |
| Steamboat Springs, CO (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $11,386 | 5.19% |
| Mount Pleasant, MI (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,104 | 3.98% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,612 | 5.44% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $7,329 | 4.25% |
| HATTIESBURG, MS (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,832 | 4.06% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $3,791 | 4.25% |
| BEND, OR (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $4,052 | 4.63% |
| SALEM, OR (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,784 | 4.50% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,402 | 5.00% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,612 | 4.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,588 | 4.13% |
| Sturgis, MI (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $3,034 | 4.46% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,725 | 4.63% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $1,992 | 4.69% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,638 | 4.50% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,372 | 4.60% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $6,723 | 3.90% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,336 | 4.50% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,371 | 4.31% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,538 | 3.88% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,586 | 5.42% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,140 | 5.13% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $6,558 | 4.94% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,034 | 4.44% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,039 | 4.25% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $18,483 | 4.38% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $6,596 | 3.88% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,582 | 4.31% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,238 | 4.73% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $4,189 | 5.06% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,888 | 4.25% |
| Bellefontaine, OH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,010 | 4.75% |
| Bennington, VT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,605 | 4.38% |
| Astoria, OR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,671 | 4.25% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,912 | 4.81% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,908 | 3.88% |
| Urbana, OH (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $11,925 | 4.13% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,349 | 4.38% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,452 | 4.13% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,031 | 4.31% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,926 | 4.63% |
| Granbury, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,071 | 4.38% |
| Sanford, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,594 | 4.25% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,919 | 4.25% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,707 | 4.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,981 | 4.13% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,107 | 4.63% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,060 | 4.88% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,190 | 4.50% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,009 | 4.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,446 | 3.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $310,000 | $77,500 | $3,145 | 4.56% |
| AMES, IA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,213 | 4.13% |
| DOVER, DE (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,729 | 4.38% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,709 | 4.38% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,746 | 4.63% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,565 | 4.38% |
| Vicksburg, MS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,756 | 4.25% |
| Bedford, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,976 | 4.88% |
| Grenada, MS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,657 | 4.25% |
| Atmore, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,969 | 3.88% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,238 | 4.88% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,942 | 4.25% |
| Cullman, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,494 | 4.44% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,100 | 4.63% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,695 | 4.25% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,309 | 4.00% |
| Angola, IN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,196 | 3.70% |
| HAMMOND, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,088 | 4.00% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,557 | 4.38% |
| MERCED, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,765 | 4.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,866 | 4.00% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,275 | 3.88% |
| Sterling, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,935 | 5.13% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,551 | 4.38% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,442 | 4.25% |
| Torrington, CT (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,523 | 3.88% |
| Elko, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,772 | 4.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $3,003 | 5.25% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,591 | 4.25% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,725 | 5.00% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $7,056 | 4.25% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,385 | 4.25% |
| CHICO, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,832 | 4.38% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,061 | 4.38% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,522 | 4.63% |
| MONROE, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,243 | 3.70% |
| Gallup, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,869 | 4.50% |
| Barre, VT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,792 | 4.38% |
| EL PASO, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,951 | 5.44% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,693 | 4.81% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,378 | 4.38% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,977 | 5.13% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,378 | 4.38% |
| Española, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,808 | 4.25% |
| Moscow, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,103 | 4.25% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,438 | 4.38% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,357 | 4.50% |
| Danville, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,071 | 4.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,824 | 4.25% |
| Laconia, NH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,426 | 3.88% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,056 | 4.63% |
| Centralia, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,949 | 4.63% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,173 | 4.13% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,927 | 4.75% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,672 | 4.81% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,436 | 4.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,613 | 4.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $2,459 | 4.69% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,739 | 4.25% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,658 | 5.50% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,010 | 4.50% |
| Alma, MI (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,596 | 4.73% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,158 | 4.00% |
| Dayton, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,116 | 4.75% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,586 | 4.50% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,331 | 4.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,998 | 5.13% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,419 | 4.50% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,274 | 4.25% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,715 | 4.25% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,982 | 4.63% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,604 | 4.63% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,468 | 4.50% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,436 | 4.25% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,603 | 5.38% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,553 | 4.63% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,517 | 4.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,690 | 4.50% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,138 | 5.38% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,293 | 5.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,657 | 4.50% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,475 | 4.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,186 | 5.00% |
| Heber, UT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,291 | 4.99% |
| Shelby, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,961 | 5.63% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,477 | 4.38% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,246 | 3.75% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,653 | 3.63% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,534 | 4.63% |
| Marion, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,021 | 6.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,113 | 4.50% |
| Summerville, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,204 | 4.88% |
| Sandusky, OH (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $3,412 | 4.75% |
| Cadillac, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,577 | 4.00% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,425 | 5.50% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,242 | 4.00% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,194 | 5.25% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,516 | 4.63% |
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Product Mix
For 2018, Northpointe Bank's most frequently originated type of loan was Conventional, with 3,741 originations. Their 2nd most popular type was FHA, with 418 originations.
Loan Reason
For 2018, Northpointe Bank's most frequently cited loan purpose was Home Purchase, with 3,663 originations. The 2nd most popular reason was Cash Out Refi, with 714 originations.
Loan Duration/Length
For 2018, Northpointe Bank's most frequently cited loan duration was 30 Year, with 4,194 originations. The 2nd most popular length was 15 Year, with 156 originations.
Origination Fees/Closing Costs
Northpointe Bank's average total fees were $4,984, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,978 originations.
Interest Rates
During 2018, Northpointe Bank's average interest rate for loans was 4.65%, while their most frequently originated rate bucket for loans was 4-5%, with 3,093 originations.
Loan Sizing
2018 saw Northpointe Bank place emphasis on $200k-400k loans with 2,202 originations, totaling $623,690,000 in origination value.
Applicant Income
Northpointe Bank lent most frequently to those with incomes in the $50k-75k range, with 1,060 originations. The second most popular income band? $100k-150k, with 1,048 originations.
Applicant Debt to Income Ratio
Northpointe Bank lent most frequently to those with DTI ratios of 20-30%, with 938 originations. The next most common DTI ratio? 30-36%, with 912 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.46%
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 origination56.56%
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 | 4,599 | $1,234,865,000 | $268,507 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 50 | $7,240,000 | $144,800 |
| Single Family (1-4 Units):Site-Built | 4,549 | $1,227,625,000 | $269,867 |
LTV Distribution
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 | $734,226 |
For 2018, Northpointe Bank had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $47,079 |
| Net interest income | $30,708 |
| Total noninterest income | $91,061 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $52 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $91,009 |
| Pre-tax net operating income | $28,776 |
| Securities gains (or losses, -) | $-105 |
| Income before extraordinary items | $22,645 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $22,645 |
| Minority interest net income | $0 |
| Net income | $22,645 |
| Sale, conversion, retirement of capital stock, net | $12,013 |
| Net operating income | $22,727 |
Northpointe Bank's gross interest income from loans was $47,079,000.
Northpointe Bank's net interest income from loans was $30,708,000.
Northpointe Bank's fee based income from loans was $52,000.
Northpointe Bank's net income from loans was $22,645,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $16,371 |
| Provision for credit losses | $250 |
| Total noninterest expense | $92,743 |
| Salaries and employee benefits | $67,853 |
| Premises and equipment expense | $4,720 |
| Additional noninterest expense | $20,170 |
| Applicable income taxes | $6,026 |
| Net charge-offs | $-317 |
| Cash dividends | $6,000 |
Northpointe Bank's interest expense for loans was $16,371,000.
Northpointe Bank's payroll and benefits expense were $67,853,000.
Northpointe Bank's property, plant and equipment expenses $4,720,000.
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 | 2.0% |
| Multifamily residential loans | 2.0% |
| 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 | $931,087 |
| Deposits held in domestic offices | $931,087 |
| Deposits by Individuals, partnerships, and corporations | $840,675 |
| Deposits by U.S. Government | $3 |
| Deposits by States and political subdivisions in the U.S. | $1,215 |
| Deposits by Commercial banks and other depository institutions in U.S. | $89,194 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $95,339 |
| Demand deposits | $71,809 |
| Nontransaction accounts | $835,748 |
| Money market deposit accounts (MMDAs) | $235,393 |
| Other savings deposits (excluding MMDAs) | $360,377 |
| Total time deposits | $239,978 |
| Total time and savings deposits | $859,278 |
| Noninterest-bearing deposits | $95,717 |
| Interest-bearing deposits | $835,370 |
| Retail deposits | $800,080 |
| IRAs and Keogh plan accounts | $12,106 |
| Brokered deposits | $74,113 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $1,279,654 |
| Cash & Balances due from depository institutions | $43,881 |
| Interest-bearing balances | $37,806 |
| Total securities | $1,438 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $1,133,956 |
| Loan and leases loss allowance | $4,420 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $14,004 |
| Other real estate owned | $445 |
| Goodwill and other intangibles | $20,118 |
| All other assets | $65,812 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $1,279,654 |
| Total Liabilities | $1,174,186 |
| Total deposits | $931,087 |
| Interest-bearing deposits | $835,370 |
| Deposits held in domestic offices | $931,087 |
| % insured (estimated) | $78 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $224,993 |
| Subordinated debt | $0 |
| All other liabilities | $18,106 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,133,956 |
| Loan and leases loss allowance | $4,420 |
| Total loans and leases (domestic) | $1,138,376 |
| All real estate loans | $1,038,812 |
| Real estate loans in domestic offices | $1,038,812 |
| Construction and development loans | $181,402 |
| Residential 1-4 family construction | $120,622 |
| Other construction, all land development and other land | $60,780 |
| Loans secured by nonfarm nonresidential properties | $7,254 |
| Nonfarm nonresidential secured by owner-occupied properties | $6,964 |
| Commercial real estate & other non-farm, non-residential | $290 |
| Multifamily residential real estate | $906 |
| 1-4 family residential loans | $849,041 |
| Farmland loans | $209 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $7,124 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $615 |
| Credit card loans | $0 |
| Related Plans | $354 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $261 |
| All other loans & leases | $91,824 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $91,824 |
| 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 | $9,981 |
| Non 1-4 family restructured loans & leases | $3,237 |
| Total loans and leases (foreign) | $0 |
Northpointe Bank had $1,133,956,000 of loans outstanding in 2018. $1,038,812,000 of loans were in real estate loans. $181,402,000 of loans were in development loans. $906,000 of loans were in multifamily mortgage loans. $849,041,000 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 | 60 | $7,254 | $120,900 |
| Nonfarm, nonresidential loans - <$100k | 16 | $750 | $46,875 |
| Nonfarm, nonresidential loans - $100-250k | 31 | $3,175 | $102,419 |
| Nonfarm, nonresidential loans - $250k-1MM | 13 | $3,329 | $256,077 |
| Commercial & Industrial, US addressed loans - <$1MM | 3 | $712 | $237,333 |
| Commercial & Industrial, US addressed loans - <$100k | 1 | $61 | $61,000 |
| Commercial & Industrial, US addressed loans - $100-250k | 1 | $183 | $183,000 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1 | $468 | $468,000 |
| Farmland loans - <$1MM | 1 | $209 | $209,000 |
| Farmland loans - $100-250k | 1 | $209 | $209,000 |