Northpoint Mortgage
We analyzed every closed loan from Northpoint Mortgage — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
Multi-Region · 14 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Northpoint Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+31.6 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
812 loans · 0.32% above market
Strong
Top 40% of lenders
4/5
FHA
225 loans · 0.52% above market
Strong
Top 40% of lenders
4/5
VA
80 loans · 0.33% below market
Strong
Top 40% of lenders
4/5
USDA
15 loans · 0.23% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,043 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
Refinance
94 loans · 0.22% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 15 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 812 | 71.4% | +0.324%Above | $2,822Fees | ||||
FHA Loans | 225 | 19.8% | +0.516%Above | $3,239Fees | ||||
VA Loans | 80 | 7.0% | -0.325%Below | $1,798Fees | ||||
USDA Loans | — | 15 | 1.3% | -0.232%Below | $1,798Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume812
Mix71.4%
Spread
+0.324%Above
Fees
$2,822Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume225
Mix19.8%
Spread
+0.516%Above
Fees
$3,239Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume80
Mix7.0%
Spread
-0.325%Below
Fees
$1,798Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume15
Mix1.3%
Spread
-0.232%Below
Fees
$1,798Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,043 | 91.7% | +0.325%Above | $2,786Fees | ||||
Refinance | 94 | 8.3% | +0.220%Above | $3,209Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume1,043
Mix91.7%
Spread
+0.325%Above
Fees
$2,786Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
Volume94
Mix8.3%
Spread
+0.220%Above
Fees
$3,209Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,137
Applications
1,473
Volume
$429 million
Pricing & Closing
Avg Rate Spread
+0.316%
vs. market APOR
Avg Net Fees
$2,822
Origination − Credits
Pullthrough Rate
77.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$377,357
Avg Borrower Income
$144,791
Avg Property Value
$480,699
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
Northeast7
CTMEMANHNJPARI
South6
FLGAMDNCSCVA
Top Metro Areas by Place Specialization Score
Showing 10 of 14 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.