Northpointe Bank Mortgage Rates, Fees & Info
Grand Rapids, MILEI: 549300UXY7OP0IC38293
Tax ID: 38-3448372
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Review & Overview
Northpointe Bank is a mid-sized bank specializing in Home Purchase and Cash Out 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, Atlanta, Colorado Springs, New York, and Grand Rapids among others. We have data for 434 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% | 4/28/24 |
| 30 Year Conventional Refi | 6.56% | 4/28/24 |
| 30 Year Cash-out Refi | 6.87% | 4/28/24 |
| 30 Year FHA Purchase | 7.28% | 4/28/24 |
| 30 Year FHA Refi | 7.37% | 4/28/24 |
| 30 Year VA Purchase | 6.21% | 4/28/24 |
| 30 Year VA Refi | 5.86% | 4/28/24 |
| 30 Year USDA Purchase | 6.66% | 4/28/24 |
| 30 Year USDA Refi | 6.27% | 4/28/24 |
| 15 Year Conventional Purchase | 6.09% | 4/28/24 |
| 15 Year Conventional Refi | 5.98% | 4/28/24 |
| 15 Year Cash-out Refi | 5.98% | 4/28/24 |
| 15 Year FHA Purchase | 7.08% | 4/28/24 |
| 15 Year FHA Refi | 5.68% | 4/28/24 |
| 15 Year VA Purchase | 5.96% | 4/28/24 |
| 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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
12,467Origination Dollar Volume (All Markets)
$3,397,435,000Employee count
772Awards
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Northpointe Bank - 2019
Northpointe Bank is a 2019 , due to their low .
For 2019, 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 |
|---|---|---|---|---|---|
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 990 | $335,080,000 | $338,465 | $5,702 | 4.17% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 975 | $318,415,000 | $326,579 | $4,985 | 4.15% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 654 | $205,550,000 | $314,297 | $6,207 | 4.06% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 469 | $169,065,000 | $360,480 | $8,476 | 4.21% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 762 | $166,220,000 | $218,136 | $3,887 | 4.26% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 626 | $158,670,000 | $253,466 | $5,977 | 4.27% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 308 | $83,670,000 | $271,656 | $6,022 | 4.33% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 161 | $68,115,000 | $423,075 | $4,445 | 4.02% |
| Outside of Metro Areas | 309 | $67,985,000 | $220,016 | $4,381 | 4.29% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 161 | $66,015,000 | $410,031 | $4,974 | 3.83% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 145 | $54,595,000 | $376,517 | $5,995 | 3.96% |
| READING, PA (FHA|USDA|VA) | 312 | $53,800,000 | $172,436 | $5,482 | 4.24% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 133 | $52,655,000 | $395,902 | $5,597 | 3.97% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 219 | $52,125,000 | $238,014 | $5,403 | 4.14% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 230 | $51,170,000 | $222,478 | $4,682 | 4.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 248 | $49,750,000 | $200,605 | $5,195 | 4.10% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 246 | $46,750,000 | $190,041 | $3,436 | 4.34% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 160 | $43,530,000 | $272,063 | $5,067 | 4.23% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 145 | $43,315,000 | $298,724 | $3,921 | 3.87% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 183 | $43,295,000 | $236,585 | $5,284 | 4.05% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 162 | $42,690,000 | $263,519 | $5,136 | 4.15% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 121 | $41,785,000 | $345,331 | $6,230 | 3.90% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 257 | $41,695,000 | $162,237 | $5,317 | 4.48% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 114 | $37,430,000 | $328,333 | $5,532 | 4.10% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 104 | $30,190,000 | $290,288 | $4,072 | 4.15% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 132 | $29,330,000 | $222,197 | $3,787 | 4.36% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 122 | $28,140,000 | $230,656 | $6,361 | 4.27% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 101 | $26,925,000 | $266,584 | $3,553 | 3.97% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 92 | $25,960,000 | $282,174 | $5,521 | 4.10% |
| LOUISVILLE, KY (FHA|USDA|VA) | 135 | $25,345,000 | $187,741 | $4,143 | 4.37% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 79 | $24,735,000 | $313,101 | $6,192 | 3.98% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 119 | $24,445,000 | $205,420 | $4,281 | 4.26% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 83 | $23,245,000 | $280,060 | $5,929 | 4.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 75 | $22,925,000 | $305,667 | $6,338 | 4.12% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 69 | $22,855,000 | $331,232 | $3,703 | 4.06% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 75 | $22,445,000 | $299,267 | $5,283 | 4.07% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 74 | $21,380,000 | $288,919 | $3,484 | 4.28% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 103 | $20,815,000 | $202,087 | $5,390 | 4.20% |
| Holland, MI (FHA|USDA|VA) | 90 | $20,040,000 | $222,667 | $3,836 | 4.09% |
| COLUMBUS, OH (FHA|USDA|VA) | 85 | $19,475,000 | $229,118 | $5,273 | 4.13% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 46 | $18,840,000 | $409,565 | $3,504 | 3.76% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 57 | $17,595,000 | $308,684 | $4,590 | 4.13% |
| PROVO-OREM, UT (FHA|USDA|VA) | 52 | $16,930,000 | $325,577 | $5,665 | 4.01% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 35 | $16,465,000 | $470,429 | $5,374 | 3.89% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 53 | $16,205,000 | $305,755 | $2,995 | 3.84% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 63 | $16,055,000 | $254,841 | $5,895 | 4.27% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 43 | $15,855,000 | $368,721 | $3,556 | 3.71% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 65 | $15,485,000 | $238,231 | $4,151 | 4.33% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 48 | $15,220,000 | $317,083 | $4,293 | 3.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 44 | $15,150,000 | $344,318 | $6,600 | 4.38% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 67 | $14,935,000 | $222,910 | $4,365 | 4.21% |
| GREELEY, CO (FHA|USDA|VA) | 44 | $14,900,000 | $338,636 | $6,853 | 4.20% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 50 | $14,740,000 | $294,800 | $3,391 | 4.09% |
| WILMINGTON, NC (FHA|USDA|VA) | 55 | $13,525,000 | $245,909 | $3,444 | 3.99% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 46 | $11,760,000 | $255,652 | $4,483 | 4.02% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 35 | $10,665,000 | $304,714 | $6,318 | 4.29% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 42 | $10,220,000 | $243,333 | $5,042 | 3.84% |
| BOULDER, CO (FHA|USDA|VA) | 25 | $9,855,000 | $394,200 | $4,315 | 4.55% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 34 | $9,740,000 | $286,471 | $5,590 | 4.20% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 50 | $8,780,000 | $175,600 | $5,409 | 4.04% |
| BOISE CITY, ID (FHA|USDA|VA) | 26 | $8,060,000 | $310,000 | $4,623 | 3.82% |
| OCALA, FL (FHA|USDA|VA) | 39 | $7,715,000 | $197,821 | $4,410 | 4.37% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 31 | $7,625,000 | $245,968 | $3,220 | 4.48% |
| MUSKEGON, MI (FHA|USDA|VA) | 52 | $7,590,000 | $145,962 | $3,974 | 4.23% |
| FORT COLLINS, CO (FHA|USDA|VA) | 23 | $7,415,000 | $322,391 | $5,466 | 4.24% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 24 | $7,160,000 | $298,333 | $4,321 | 4.14% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 29 | $7,025,000 | $242,241 | $6,368 | 4.23% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 42 | $6,640,000 | $158,095 | $4,012 | 4.52% |
| LANCASTER, PA (FHA|USDA|VA) | 27 | $6,375,000 | $236,111 | $5,429 | 4.11% |
| TUCSON, AZ (FHA|USDA|VA) | 24 | $6,180,000 | $257,500 | $3,585 | 3.94% |
| RICHMOND, VA (FHA|USDA|VA) | 19 | $5,825,000 | $306,579 | $4,753 | 4.10% |
| PUEBLO, CO (FHA|USDA|VA) | 28 | $5,420,000 | $193,571 | $5,236 | 4.16% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 17 | $5,245,000 | $308,529 | $5,364 | 3.91% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 25 | $5,235,000 | $209,400 | $5,007 | 4.32% |
| GAINESVILLE, GA (FHA|USDA|VA) | 18 | $5,200,000 | $288,889 | $4,697 | 4.06% |
| RENO, NV (FHA|USDA|VA) | 15 | $4,975,000 | $331,667 | $3,369 | 4.36% |
| FORT WAYNE, IN (FHA|USDA|VA) | 27 | $4,815,000 | $178,333 | $3,616 | 4.05% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 9 | $4,805,000 | $533,889 | $8,484 | 4.47% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 19 | $4,755,000 | $250,263 | $3,429 | 3.97% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 41 | $4,165,000 | $101,585 | $3,444 | 5.47% |
| STOCKTON, CA (FHA|USDA|VA) | 11 | $4,125,000 | $375,000 | $5,683 | 4.19% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 21 | $4,015,000 | $191,190 | $5,858 | 4.36% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 17 | $3,585,000 | $210,882 | $4,889 | 4.08% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 15 | $3,495,000 | $233,000 | $4,867 | 4.33% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 15 | $3,445,000 | $229,667 | $4,388 | 4.08% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 25 | $3,415,000 | $136,600 | $3,945 | 4.22% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 7 | $3,395,000 | $485,000 | $4,838 | 3.63% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 11 | $3,335,000 | $303,182 | $3,434 | 3.78% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 16 | $3,330,000 | $208,125 | $2,956 | 4.67% |
| COLUMBIA, SC (FHA|USDA|VA) | 12 | $3,300,000 | $275,000 | $4,089 | 4.19% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 10 | $3,190,000 | $319,000 | $4,013 | 3.71% |
| MADISON, WI (FHA|USDA|VA) | 11 | $3,115,000 | $283,182 | $4,562 | 3.87% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 9 | $3,105,000 | $345,000 | $6,657 | 4.11% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 7 | $3,085,000 | $440,714 | $2,400 | 4.00% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $3,060,000 | $382,500 | $3,777 | 4.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 7 | $2,995,000 | $427,857 | $6,965 | 4.38% |
| LEBANON, PA (FHA|USDA|VA) | 14 | $2,840,000 | $202,857 | $5,210 | 3.96% |
| Heber, UT (FHA|USDA|VA) | 8 | $2,810,000 | $351,250 | $7,030 | 4.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 11 | $2,805,000 | $255,000 | $5,064 | 4.02% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 7 | $2,735,000 | $390,714 | $3,582 | 3.73% |
| ASHEVILLE, NC (FHA|USDA|VA) | 10 | $2,730,000 | $273,000 | $3,860 | 3.94% |
| GETTYSBURG, PA (FHA|USDA|VA) | 11 | $2,705,000 | $245,909 | $5,788 | 4.33% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 13 | $2,685,000 | $206,538 | $4,469 | 4.40% |
| PITTSBURGH, PA (FHA|USDA|VA) | 16 | $2,650,000 | $165,625 | $4,637 | 4.77% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 11 | $2,645,000 | $240,455 | $5,223 | 4.38% |
| Glenwood Springs, CO (FHA|USDA|VA) | 11 | $2,605,000 | $236,818 | $7,059 | 4.65% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 10 | $2,580,000 | $258,000 | $4,310 | 3.78% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 8 | $2,560,000 | $320,000 | $3,319 | 3.98% |
| FLINT, MI (FHA|USDA|VA) | 13 | $2,555,000 | $196,538 | $4,128 | 4.30% |
| MOBILE, AL (FHA|USDA|VA) | 18 | $2,520,000 | $140,000 | $4,518 | 3.97% |
| DOVER, DE (FHA|USDA|VA) | 13 | $2,505,000 | $192,692 | $6,139 | 4.01% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 15 | $2,445,000 | $163,000 | $4,246 | 3.73% |
| Cañon City, CO (FHA|USDA|VA) | 10 | $2,370,000 | $237,000 | $5,915 | 4.44% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 13 | $2,355,000 | $181,154 | $4,247 | 4.28% |
| ST. GEORGE, UT (FHA|USDA|VA) | 7 | $2,345,000 | $335,000 | $4,476 | 3.84% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 6 | $2,330,000 | $388,333 | $3,096 | 3.81% |
| LOGAN, UT-ID (FHA|USDA|VA) | 8 | $2,270,000 | $283,750 | $7,336 | 3.97% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 8 | $2,260,000 | $282,500 | $3,622 | 3.80% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $2,240,000 | $373,333 | $3,724 | 4.33% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 13 | $2,225,000 | $171,154 | $3,007 | 4.81% |
| Vernal, UT (FHA|USDA|VA) | 12 | $2,180,000 | $181,667 | $6,179 | 4.19% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 8 | $2,170,000 | $271,250 | $4,258 | 4.19% |
| JACKSON, MI (FHA|USDA|VA) | 17 | $2,145,000 | $126,176 | $4,118 | 4.60% |
| Breckenridge, CO (FHA|USDA|VA) | 5 | $2,095,000 | $419,000 | $7,708 | 4.40% |
| Pottsville, PA (FHA|USDA|VA) | 11 | $2,045,000 | $185,909 | $6,618 | 4.19% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 9 | $2,005,000 | $222,778 | $6,205 | 4.44% |
| Steamboat Springs, CO (FHA|USDA|VA) | 5 | $1,975,000 | $395,000 | $3,369 | 4.15% |
| BATON ROUGE, LA (FHA|USDA|VA) | 6 | $1,940,000 | $323,333 | $3,726 | 3.83% |
| BEND, OR (FHA|USDA|VA) | 6 | $1,910,000 | $318,333 | $3,667 | 3.85% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 6 | $1,880,000 | $313,333 | $5,655 | 4.17% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 7 | $1,875,000 | $267,857 | $2,668 | 3.73% |
| Lewisburg, TN (FHA|USDA|VA) | 9 | $1,845,000 | $205,000 | $4,662 | 4.37% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 4 | $1,770,000 | $442,500 | $4,665 | 4.72% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $1,755,000 | $250,714 | $5,283 | 3.63% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 6 | $1,750,000 | $291,667 | $5,524 | 4.14% |
| Clewiston, FL (FHA|USDA|VA) | 9 | $1,745,000 | $193,889 | $6,506 | 4.42% |
| Torrington, CT (FHA|USDA|VA) | 8 | $1,690,000 | $211,250 | $6,904 | 4.09% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 7 | $1,675,000 | $239,286 | $5,593 | 4.33% |
| TOLEDO, OH (FHA|USDA|VA) | 11 | $1,635,000 | $148,636 | $4,182 | 5.19% |
| Traverse City, MI (FHA|USDA|VA) | 7 | $1,635,000 | $233,571 | $2,669 | 4.30% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $3,321 | 4.28% |
| Oak Harbor, WA (FHA|USDA|VA) | 5 | $1,595,000 | $319,000 | $4,396 | 4.05% |
| SALEM, OR (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $7,301 | 4.10% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 7 | $1,535,000 | $219,286 | $5,670 | 4.04% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 8 | $1,530,000 | $191,250 | $4,173 | 4.32% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $3,000 | 3.73% |
| Warsaw, IN (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $3,708 | 4.28% |
| GREENVILLE, NC (FHA|USDA|VA) | 9 | $1,485,000 | $165,000 | $5,031 | 4.04% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 7 | $1,455,000 | $207,857 | $4,759 | 4.15% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 8 | $1,450,000 | $181,250 | $4,612 | 5.03% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $2,523 | 3.47% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $4,750 | 4.73% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $7,516 | 3.50% |
| WACO, TX (FHA|USDA|VA) | 8 | $1,370,000 | $171,250 | $5,672 | 4.57% |
| THE VILLAGES, FL (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $5,736 | 3.64% |
| Richmond-Berea, KY (FHA|USDA|VA) | 8 | $1,360,000 | $170,000 | $3,559 | 4.29% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 5 | $1,355,000 | $271,000 | $3,625 | 4.17% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $3,502 | 4.08% |
| Adrian, MI (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $6,713 | 4.17% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $4,384 | 4.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $5,952 | 4.05% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 5 | $1,315,000 | $263,000 | $3,300 | 3.70% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 7 | $1,315,000 | $187,857 | $6,919 | 4.36% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $3,570 | 4.21% |
| Jefferson, GA (FHA|USDA|VA) | 5 | $1,295,000 | $259,000 | $4,347 | 4.41% |
| JACKSON, MS (FHA|USDA|VA) | 9 | $1,275,000 | $141,667 | $3,170 | 4.93% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $6,034 | 3.94% |
| Georgetown, SC (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $4,082 | 3.95% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $2,678 | 3.50% |
| NILES, MI (FHA|USDA|VA) | 7 | $1,205,000 | $172,143 | $2,673 | 3.80% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $2,756 | 3.71% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $1,180,000 | $295,000 | $5,188 | 3.63% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $2,538 | 3.58% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $3,763 | 4.10% |
| AKRON, OH (FHA|USDA|VA) | 14 | $1,170,000 | $83,571 | $3,324 | 5.37% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $5,003 | 4.80% |
| Bardstown, KY (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $8,243 | 4.08% |
| Outside of Metro Areas | 4 | $1,160,000 | $290,000 | $5,587 | 4.19% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $4,048 | 3.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $6,759 | 3.59% |
| Frankfort, KY (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $4,149 | 4.50% |
| TULSA, OK (FHA|USDA|VA) | 6 | $1,130,000 | $188,333 | $6,591 | 4.24% |
| Sturgis, MI (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $2,553 | 3.90% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $3,862 | 3.92% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $2,795 | 4.16% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $3,312 | 4.68% |
| Cullowhee, NC (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $8,094 | 4.00% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 8 | $1,020,000 | $127,500 | $3,346 | 4.44% |
| VISALIA, CA (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $3,830 | 3.94% |
| Hilo, HI (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $7,079 | 4.95% |
| Edwards, CO (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $9,697 | 3.63% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $4,135 | 4.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $4,302 | 4.78% |
| Montrose, CO (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $3,978 | 3.84% |
| Branson, MO (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $5,512 | 4.19% |
| Mineral Wells, TX (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $5,507 | 4.38% |
| JOPLIN, MO (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $2,541 | 3.73% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $900,000 | $150,000 | $5,156 | 4.73% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $4,567 | 4.73% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $3,381 | 3.92% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $6,012 | 4.28% |
| Aberdeen, WA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $5,993 | 4.00% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $7,099 | 4.50% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 6 | $860,000 | $143,333 | $5,298 | 4.42% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $7,464 | 4.50% |
| LONGVIEW, WA (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $5,195 | 4.34% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $4,362 | 3.79% |
| Los Alamos, NM (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $3,739 | 3.69% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $3,637 | 3.66% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $6,973 | 4.29% |
| Marion, NC (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $4,139 | 4.50% |
| Danville, KY (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $4,818 | 4.00% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $5,750 | 3.81% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $5,486 | 4.13% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $4,229 | 4.16% |
| Craig, CO (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $7,171 | 4.44% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $16,816 | 5.50% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $3,757 | 4.28% |
| Sevierville, TN (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $3,029 | 4.16% |
| Corsicana, TX (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $4,271 | 5.01% |
| MONTGOMERY, AL (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $3,635 | 4.41% |
| Durango, CO (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,067 | 4.25% |
| Keene, NH (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,073 | 3.81% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,692 | 3.38% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $6,067 | 3.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $8,895 | 4.18% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,867 | 4.00% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $8,369 | 3.44% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $3,896 | 3.59% |
| REDDING, CA (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $7,207 | 3.88% |
| MONROE, MI (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $4,349 | 4.50% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $5,544 | 4.78% |
| LAWRENCE, KS (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $2,495 | 3.98% |
| LAFAYETTE, LA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $4,869 | 3.96% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $5,699 | 4.83% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $5,907 | 4.00% |
| Shelby, NC (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $4,723 | 4.15% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $3,671 | 4.13% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $4,597 | 3.79% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,802 | 3.44% |
| Cadillac, MI (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $3,025 | 4.63% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,634 | 4.00% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,546 | 3.44% |
| Cedar City, UT (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,157 | 3.56% |
| Port Angeles, WA (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,587 | 3.96% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $4,963 | 3.75% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,041 | 3.79% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,573 | 4.44% |
| Hutchinson, KS (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $1,424 | 3.75% |
| Lebanon, MO (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,272 | 3.69% |
| Concord, NH (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $2,921 | 4.29% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $2,835 | 4.17% |
| Athens, TX (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $7,796 | 4.75% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $3,592 | 3.72% |
| RAPID CITY, SD (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,074 | 3.94% |
| APPLETON, WI (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,185 | 3.69% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $7,717 | 3.88% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,643 | 4.19% |
| Sterling, CO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $18,928 | 4.63% |
| Albemarle, NC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $4,584 | 4.13% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,249 | 4.00% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,564 | 3.13% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,455 | 2.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $2,922 | 4.33% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,842 | 3.75% |
| Warrensburg, MO (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,339 | 4.00% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $11,538 | 4.38% |
| MERCED, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,890 | 4.44% |
| ABILENE, TX (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $4,780 | 4.69% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,317 | 3.63% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,669 | 4.13% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,975 | 3.50% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,927 | 3.75% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,628 | 3.99% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $6,301 | 5.38% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,769 | 4.88% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,488 | 3.44% |
| North Wilkesboro, NC (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,055 | 5.44% |
| CHEYENNE, WY (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $8,002 | 3.88% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,046 | 3.98% |
| Salem, OH (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $4,173 | 3.84% |
| NAPA, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $1,917 | 3.88% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,520 | 4.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,146 | 3.69% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $4,059 | 4.33% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,331 | 5.56% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,427 | 4.00% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $3,271 | 4.83% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,212 | 3.13% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,216 | 4.88% |
| Bedford, IN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,174 | 4.44% |
| Mount Vernon, OH (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,908 | 3.94% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,902 | 3.56% |
| Seneca, SC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,663 | 5.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,951 | 3.75% |
| Martin, TN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,889 | 3.63% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,496 | 3.25% |
| Orangeburg, SC (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $4,522 | 4.87% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,492 | 4.00% |
| AMES, IA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,683 | 3.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $5,102 | 4.96% |
| RACINE, WI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,465 | 3.50% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,931 | 3.38% |
| Big Rapids, MI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,018 | 5.44% |
| Mount Sterling, KY (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,682 | 3.63% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,870 | 3.13% |
| TYLER, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,809 | 4.10% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,518 | 4.38% |
| Tupelo, MS (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,756 | 4.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $4,592 | 3.92% |
| Rexburg, ID (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,645 | 3.88% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $6,540 | 4.50% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,282 | 4.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $4,643 | 4.75% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,788 | 4.88% |
| Hood River, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,989 | 3.99% |
| Centralia, WA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,541 | 4.00% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,737 | 4.13% |
| Somerset, KY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,842 | 4.25% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $2,143 | 5.44% |
| Hailey, ID (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,877 | 3.75% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,768 | 3.63% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,485 | 3.88% |
| Angola, IN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,621 | 3.63% |
| Rochelle, IL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $7,440 | 3.88% |
| Durant, OK (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,389 | 3.75% |
| Atmore, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,163 | 3.88% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,546 | 3.75% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,383 | 5.63% |
| Kerrville, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,328 | 4.63% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $6,031 | 4.00% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,263 | 3.75% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,976 | 3.50% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,410 | 4.44% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,716 | 4.13% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,683 | 3.13% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,029 | 3.88% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,521 | 3.38% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,591 | 4.37% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,978 | 4.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,490 | 4.00% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,941 | 3.63% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,977 | 4.13% |
| Granbury, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,137 | 3.25% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,676 | 3.38% |
| Fernley, NV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,158 | 3.50% |
| Hastings, NE (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,142 | 3.88% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,005 | 3.25% |
| Newport, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,325 | 3.88% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,438 | 4.44% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 3 | $235,000 | $78,333 | $3,408 | 4.75% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,690 | 3.63% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,099 | 3.88% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,174 | 3.75% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,420 | 4.00% |
| Shelton, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,328 | 3.75% |
| Jasper, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,581 | 3.75% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,650 | 4.56% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,611 | 4.13% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,237 | 8.13% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,095 | 3.00% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,579 | 4.88% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,796 | 4.88% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,733 | 4.00% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,922 | 4.06% |
| ROME, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,372 | 3.88% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,003 | 3.38% |
| Boone, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,754 | 4.13% |
| Lake City, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,064 | 3.63% |
| Parsons, KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,212 | 4.63% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,720 | 3.75% |
| Urbana, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,572 | 4.75% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,850 | 3.88% |
| Andrews, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,945 | 5.25% |
| Payson, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,205 | 4.63% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $9,446 | 3.75% |
| Corinth, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,941 | 3.50% |
| KOKOMO, IN (FHA|USDA|VA) | 4 | $170,000 | $42,500 | $2,027 | 5.38% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,703 | 3.50% |
| Scottsboro, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,595 | 4.00% |
| La Grande, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,922 | 4.00% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,892 | 4.25% |
| Huntington, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,687 | 5.00% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,248 | 3.75% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,625 | 4.38% |
| GADSDEN, AL (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $3,339 | 5.00% |
| Starkville, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,341 | 4.88% |
| Indiana, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,897 | 4.88% |
| Hays, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,930 | 4.00% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,444 | 4.50% |
| Sanford, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,878 | 4.95% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,294 | 3.63% |
| Washington, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,887 | 4.75% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,084 | 3.50% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,404 | 4.88% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,950 | 4.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,751 | 3.00% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,687 | 4.25% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,395 | 3.00% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,437 | 3.75% |
| ERIE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,587 | 4.50% |
| DALTON, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,516 | 3.38% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,224 | 3.88% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,802 | 4.95% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,043 | 3.38% |
| Palatka, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,794 | 6.00% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,011 | 4.25% |
| Brevard, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,117 | 4.00% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,501 | 5.00% |
| Wilson, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,891 | 4.38% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,805 | 4.75% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,179 | 5.63% |
| Lewistown, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,030 | 3.99% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,819 | 4.13% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $400 | 3.50% |
| Bellefontaine, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,596 | 3.75% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,073 | 4.88% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,906 | 4.38% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,194 | 3.38% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,094 | 4.25% |
| Ludington, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $548 | 5.75% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,381 | 4.13% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,702 | 5.38% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,635 | 4.75% |
| Campbellsville, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,755 | 4.75% |
| Tifton, GA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,952 | 5.13% |
| Marshall, MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,275 | 3.75% |
| Russellville, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,371 | 4.75% |
| Duncan, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,235 | 5.75% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,281 | 4.88% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,905 | 3.75% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,632 | 3.88% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,438 | 5.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,605 | 5.13% |
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Product Mix
For 2019, Northpointe Bank's most frequently originated type of loan was Conventional, with 9,327 originations. Their 2nd most popular type was FHA, with 2,072 originations.
Loan Reason
For 2019, Northpointe Bank's most frequently cited loan purpose was Home Purchase, with 7,539 originations. The 2nd most popular reason was Cash Out Refi, with 2,949 originations.
Loan Duration/Length
For 2019, Northpointe Bank's most frequently cited loan duration was 30 Year, with 11,197 originations. The 2nd most popular length was 15 Year, with 784 originations.
Origination Fees/Closing Costs
Northpointe Bank's average total fees were $5,286, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 5,769 originations.
Interest Rates
During 2019, Northpointe Bank's average interest rate for loans was 4.23%, while their most frequently originated rate bucket for loans was 3-4%, with 6,627 originations.
Loan Sizing
2019 saw Northpointe Bank place emphasis on $200k-400k loans with 6,094 originations, totaling $1,745,060,000 in origination value.
Applicant Income
Northpointe Bank lent most frequently to those with incomes in the $100k-150k range, with 2,866 originations. The second most popular income band? $50k-75k, with 2,736 originations.
Applicant Debt to Income Ratio
Northpointe Bank lent most frequently to those with DTI ratios of 20-30%, with 2,287 originations. The next most common DTI ratio? 30-36%, with 2,210 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.37%
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 origination68.73%
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 | 12,467 | $3,397,435,000 | $272,514 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 152 | $22,360,000 | $147,105 |
| Single Family (1-4 Units):Site-Built | 12,315 | $3,375,075,000 | $274,062 |
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 | $1,092,421 |
For 2019, Northpointe Bank had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $77,676 |
| Net interest income | $42,501 |
| Total noninterest income | $148,516 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $55 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $148,461 |
| Pre-tax net operating income | $39,222 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $30,985 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $30,985 |
| Minority interest net income | $0 |
| Net income | $30,985 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $30,985 |
Northpointe Bank's gross interest income from loans was $77,676,000.
Northpointe Bank's net interest income from loans was $42,501,000.
Northpointe Bank's fee based income from loans was $55,000.
Northpointe Bank's net income from loans was $30,985,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $35,175 |
| Provision for credit losses | $0 |
| Total noninterest expense | $151,795 |
| Salaries and employee benefits | $109,087 |
| Premises and equipment expense | $6,423 |
| Additional noninterest expense | $36,285 |
| Applicable income taxes | $8,237 |
| Net charge-offs | $-113 |
| Cash dividends | $4,500 |
Northpointe Bank's interest expense for loans was $35,175,000.
Northpointe Bank's payroll and benefits expense were $109,087,000.
Northpointe Bank's property, plant and equipment expenses $6,423,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 2.0% |
| Multifamily residential loans | 2.0% |
| 1-4 family residential loans | 1.0% |
| HELOC loans | 0.0% |
| All other family | 1.0% |
| 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 | $1,319,273 |
| Deposits held in domestic offices | $1,319,273 |
| Deposits by Individuals, partnerships, and corporations | $1,132,490 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $1,571 |
| Deposits by Commercial banks and other depository institutions in U.S. | $185,213 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $187,734 |
| Demand deposits | $173,943 |
| Nontransaction accounts | $1,131,540 |
| Money market deposit accounts (MMDAs) | $301,919 |
| Other savings deposits (excluding MMDAs) | $352,900 |
| Total time deposits | $476,721 |
| Total time and savings deposits | $1,145,331 |
| Noninterest-bearing deposits | $195,050 |
| Interest-bearing deposits | $1,124,223 |
| Retail deposits | $1,149,180 |
| IRAs and Keogh plan accounts | $17,780 |
| Brokered deposits | $124,247 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,186,056 |
| Cash & Balances due from depository institutions | $314,487 |
| Interest-bearing balances | $307,921 |
| Total securities | $1,481 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $1,703,257 |
| Loan and leases loss allowance | $4,533 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $17,012 |
| Other real estate owned | $207 |
| Goodwill and other intangibles | $41,302 |
| All other assets | $108,310 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,186,055 |
| Total Liabilities | $1,983,319 |
| Total deposits | $1,319,273 |
| Interest-bearing deposits | $1,124,223 |
| Deposits held in domestic offices | $1,319,273 |
| % insured (estimated) | $84 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $616,246 |
| Subordinated debt | $15,000 |
| All other liabilities | $32,800 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,703,257 |
| Loan and leases loss allowance | $4,533 |
| Total loans and leases (domestic) | $1,707,790 |
| All real estate loans | $1,401,783 |
| Real estate loans in domestic offices | $1,401,783 |
| Construction and development loans | $138,506 |
| Residential 1-4 family construction | $72,199 |
| Other construction, all land development and other land | $66,307 |
| Loans secured by nonfarm nonresidential properties | $5,649 |
| Nonfarm nonresidential secured by owner-occupied properties | $5,528 |
| Commercial real estate & other non-farm, non-residential | $121 |
| Multifamily residential real estate | $630 |
| 1-4 family residential loans | $1,256,494 |
| Farmland loans | $504 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $8,821 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $393 |
| Credit card loans | $0 |
| Related Plans | $393 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $0 |
| All other loans & leases | $296,793 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $296,793 |
| 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 | $8,026 |
| Non 1-4 family restructured loans & leases | $2,885 |
| Total loans and leases (foreign) | $0 |
Northpointe Bank had $1,703,257,000 of loans outstanding in 2019. $1,401,783,000 of loans were in real estate loans. $138,506,000 of loans were in development loans. $630,000 of loans were in multifamily mortgage loans. $1,256,494,000 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 | 45 | $5,648 | $125,511 |
| Nonfarm, nonresidential loans - <$100k | 12 | $649 | $54,083 |
| Nonfarm, nonresidential loans - $100-250k | 22 | $2,167 | $98,500 |
| Nonfarm, nonresidential loans - $250k-1MM | 11 | $2,832 | $257,455 |
| Commercial & Industrial, US addressed loans - <$1MM | 3 | $485 | $161,667 |
| Commercial & Industrial, US addressed loans - <$100k | 2 | $190 | $95,000 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 1 | $295 | $295,000 |
| Farmland loans - <$1MM | 4 | $504 | $126,000 |
| Farmland loans - <$100k | 2 | $163 | $81,500 |
| Farmland loans - $100-250k | 2 | $341 | $170,500 |