We analyzed every closed loan from Northpointe Bank — 4.1k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Northpointe Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+19.3 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,893 loans · 0.18% above market
Exceptional
Top 20% of lenders
5/5
FHA
825 loans · 0.36% above market
Exceptional
Top 20% of lenders
5/5
VA
293 loans · 0.32% below market
Strong
Top 40% of lenders
4/5
Jumbo
76 loans · 0.92% above market
Strong
Top 40% of lenders
4/5
USDA
19 loans · 0.19% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
3,148 loans · 0.25% above market
Exceptional
Top 20% of lenders
5/5
Refinance
958 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,893 | 70.5% | +0.176%Above | $2,355Fees | ||||
FHA Loans | 825 | 20.1% | +0.365%Above | $3,124Fees | ||||
VA Loans | 293 | 7.1% | -0.322%Below | $2,507Fees | ||||
Jumbo Loans | 76 | 1.9% | +0.919%Above | $4,330Fees | ||||
USDA Loans | — | 19 | 0.5% | +0.190%Above | $1,606Fees |
Conventional
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,893
Mix70.5%
Spread
+0.176%Above
Fees
$2,355Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume825
Mix20.1%
Spread
+0.365%Above
Fees
$3,124Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume293
Mix7.1%
Spread
-0.322%Below
Fees
$2,507Fees
Jumbo Loans
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume76
Mix1.9%
Spread
+0.919%Above
Fees
$4,330Fees
USDA Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume19
Mix0.5%
Spread
+0.190%Above
Fees
$1,606Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,148 | 76.7% | +0.253%Above | $2,903Fees | ||||
Refinance | 958 | 23.3% | +0.027%Above | $1,469Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughSound
Volume3,148
Mix76.7%
Spread
+0.253%Above
Fees
$2,903Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume958
Mix23.3%
Spread
+0.027%Above
Fees
$1,469Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
4,106
Applications
6,735
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.193%
vs. market APOR
Avg Net Fees
$2,523
Origination − Credits
Pullthrough Rate
61.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$402,450
Avg Borrower Income
$177,740
Avg Property Value
$534,396
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
49
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
49Full-year 2024 · HMDALoans originated
< 2020–5050–100100–200200+None
Northeast9
CTMEMANHNJNYPARIVT
Midwest10
IAILINKSMIMNMONEOHWI
South17
ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West13
AKAZCACOHIIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 34 states
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.