Lender in Michigan · HMDA 2025
Northpointe Bank mortgages in Michigan
Northpointe Bank's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Northpointe Bank originated 367 owner-occupied single-family loans in Michigan from 392 completed applications.
Its median conventional purchase loan costs were $4,840 versus $4,140 for all Michigan lenders, at a median 30-year fixed rate of 6.625% (Michigan: 6.625%).
Loans in MI
367
of 392 applications
Denial rate
5.9%
Purchase · MI 7.8%
Rate spread
+0.32 pts
Conv. · MI +0.23 pts
Loan amount
$285,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 324 | 304 | 5.9% | 6.625% | +0.32 pts | $4,840 | $285,000 |
| Refinance | 37 | 35 | 2.7% | 6.125% | −0.14 pts | $3,080 | $375,000 |
| Cash-out refinance | 31 | 28 | 9.7% | 7.500% | +0.92 pts | $5,120 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Northpointe Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wexford County | 14 | 8 | 1.8% |
| Kent County | 15 | 142 | 1.6% |
| Eaton County | 15 | 23 | 1.5% |
| Clinton County | 17 | 15 | 1.3% |
| Ingham County | 18 | 35 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology