Applications / Mortgage Analytics / Lenders / Michigan / Northpointe Bank
Grand Rapids, MI · State non-member bank · FDIC · $7.0 billion assets · 6,396 loans in 2025
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6,396
loans originated, 2025
10,377
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Northpointe Bank is a nationwide purchase lender with more FHA lending than most similar banks, ranked 5 of 510 in Louisville; its originations rose 15% in 2025 but remain far below 2020.
Originations rose 15% to 6,396, against 9% for similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market, near the middle of them. They are still about a quarter of the 26,127 of 2020. Its loan buying fell from 24,421 loans five years before to 207.
FHA loans (insured by the Federal Housing Administration) made up 13.2% of its lending, against 5.0% at peers, higher than about three in four, and VA loans (guaranteed by the Department of Veterans Affairs) 5.1%, against 2.1%. Purchase loans were 66.6%.
Higher-priced loans (a rate well above the average for similar loans) were 4.4% of its lending, against 1.9%, higher than about three in four peers, though its typical rate, 6.62%, matched theirs. Its FHA share, 13.2% against 5.0%, could account for most of this.
It made 19.5% of loans to LMI (low- and moderate-income) borrowers, against 28.7%, among the lowest tenth, while its share in LMI areas, 17.9% against 17.2%, was above the middle. Its larger loans, typically $345,000 against $250,000, may mean fewer borrowers fall under the income limits. In Louisville its share fell 0.3 points to 2.8%, where competitors may have grown faster; in Grand Rapids it rose 0.4 points to 1.4%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Northpointe Bank took 10,377 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.6% · Refinance 30.5% · Other 2.9%
Conventional 81.4% · FHA 13.2% · VA 5.1% · USDA (RHS or FSA) 0.3% · of 6,396 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 1,184 | 18.5% |
| Michigan | 572 | 8.9% |
| Florida | 524 | 8.2% |
| Colorado | 486 | 7.6% |
| Massachusetts | 288 | 4.5% |
| Georgia | 219 | 3.4% |
| Tennessee | 219 | 3.4% |
| Indiana | 218 | 3.4% |
| Utah | 207 | 3.2% |
| California | 205 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 1,049 |
| Grand Rapids-Wyoming-Kentwood | 271 |
| Providence-Warwick | 261 |
| Denver-Aurora-Centennial | 217 |
| Nashville-Davidson--Murfreesboro--Franklin | 150 |
| Daphne-Fairhope-Foley | 111 |
| Grand Junction | 96 |
| Atlanta-Sandy Springs-Roswell | 93 |
| Lansing-East Lansing | 92 |
| North Port-Bradenton-Sarasota | 86 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UXY7OP0IC38293 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2737980 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334953 | 2000–2017 |
Established 21 May 1999. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Northpointe Bank's data.
Northpointe Bank's data
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Northpointe Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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