NORTHPOINT MORTGAGE, INC.
1,972 mortgages originated in 2025 across 6 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,972
- Median rate
- 6.625%
- Median lender fees
- $5,870
- Median loan amount
- $375,000
- Median spread over APOR
- 0.285
- Paid discount points
- 34.7%
- Received lender credits
- 22.7%
- Purchases / refinances
- 85.1% / 14.2%
- Conventional / FHA / VA
- 78.3% / 14.7% / 6.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 93.3% of loans here — see methodology.
Where NORTHPOINT MORTGAGE, INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| South Carolina | 469 | $5,489 | 6.625% |
| Massachusetts | 445 | $6,344 | 6.625% |
| Maine | 343 | $5,638 | 6.625% |
| New Hampshire | 248 | $5,021 | 6.500% |
| Florida | 233 | $6,641 | 6.625% |
| Connecticut | 136 | $5,707 | 6.625% |