Northpointe Bank

6,396 mortgages originated in 2025 across 28 states, and what they cost borrowers.

Loans originated

6,396

Median rate

6.625%

Median lender fees

$5,934

Median loan amount

$345,000

Median spread over APOR

0.237

Paid discount points

43.9%

Received lender credits

24.7%

Purchases / refinances

66.6% / 30.5%

Conventional / FHA / VA

81.4% / 13.2% / 5.1%

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 76.7% of loans here — see methodology.

Where Northpointe Bank lent

States with at least 50 loans in 2025, ranked by volume.