Purchase Originations
3,122
Ranked #158 nationally
Median Total Costs
$6,960
+4.2% vs national ($6,680)
↓ $89 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,668
Median Lender Credits
$500
Cost Rank (500+ vol.)
#366
among lenders with 500+ originations
Denial Rate
5.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,058 | 6.750% | $5,870 | $2,639 |
| fha | 762 | 6.250% | $11,785 | $3,318 |
| va | 286 | 6.375% | $6,565 | $1,550 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kentucky | 655 | 6.625% | $6,924 | #13 |
| Michigan | 310 | 6.625% | $5,448 | #61 |
| Colorado | 250 | 6.500% | $8,624 | #65 |
| Florida | 210 | 6.750% | $7,785 | #159 |
| Massachusetts | 199 | 6.625% | $5,808 | #52 |
| Utah | 132 | 6.125% | $12,993 | #47 |
| Rhode Island | 130 | 6.625% | $8,615 | #17 |
| Indiana | 128 | 6.490% | $6,222 | #117 |
| Tennessee | 120 | 6.500% | $7,691 | #108 |
| Georgia | 104 | 6.500% | $7,341 | #141 |
| New Jersey | 75 | 6.625% | $6,814 | #128 |
| North Carolina | 68 | 6.375% | $5,295 | #175 |
| Washington | 63 | 6.625% | $8,099 | #139 |
| Alabama | 62 | 6.562% | $8,667 | #122 |
| South Carolina | 58 | 6.625% | $7,282 | #152 |
| Maryland | 52 | 6.625% | $6,454 | #139 |
| Connecticut | 45 | 6.625% | $5,862 | — |
| California | 44 | 6.500% | $6,862 | — |
| Delaware | 42 | 6.375% | $9,661 | — |
| Texas | 37 | 6.125% | $8,586 | — |
| Hawaii | 36 | 6.933% | $11,315 | — |
| Ohio | 36 | 6.625% | $6,882 | — |
| New Hampshire | 35 | 6.750% | $4,969 | — |
| Pennsylvania | 29 | 6.625% | $6,705 | — |
| New York | 27 | 6.625% | $7,512 | — |
| Arizona | 22 | 6.495% | $6,330 | — |
| Oregon | 22 | 6.625% | $7,519 | — |
| Illinois | 20 | 6.433% | $6,286 | — |
| Virginia | 18 | 6.370% | $6,888 | — |
| Nevada | 16 | 6.250% | $8,786 | — |
| Minnesota | 10 | 6.438% | $5,391 | — |
| New Mexico | 9 | 6.375% | $5,989 | — |
| Idaho | 7 | 6.500% | $8,390 | — |
| Louisiana | 6 | 6.620% | $6,046 | — |
| Missouri | 6 | 6.312% | $4,562 | — |
| Mississippi | 6 | 6.562% | $6,979 | — |
| Maine | 5 | 7.125% | $6,208 | — |
| Wisconsin | 4 | 6.500% | $4,430 | — |
| Wyoming | 4 | 6.938% | $4,225 | — |
| Iowa | 3 | 6.500% | $4,690 | — |
| Nebraska | 3 | 6.125% | $10,011 | — |
| West Virginia | 3 | 5.875% | $9,504 | — |
| Arkansas | 2 | 6.495% | $4,503 | — |
| Kansas | 2 | 6.250% | $10,480 | — |
| Montana | 2 | 6.558% | $7,265 | — |
| Vermont | 2 | 6.683% | $5,320 | — |
| Alaska | 1 | 6.125% | $4,916 | — |
| North Dakota | 1 | 6.500% | $11,256 | — |
| Oklahoma | 1 | 6.125% | $16,363 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,405 | 6.625% | — | 34 | −$2,555 | |
| 2 | $4,448 | 6.625% | — | 34 | −$2,512 | |
| 3 | $5,668 | 6.625% | — | 112 | −$1,292 | |
| 4 | $6,105 | 6.625% | — | 42 | −$855 | |
| 5 | $6,462 | 6.625% | — | 46 | −$498 | |
| 6 | $6,719 | 6.625% | — | 331 | −$241 | |
| 7 | $6,858 | 6.500% | — | 40 | −$102 | |
| 8 | $7,068 | 6.625% | — | 47 | +$108 | |
| 9 | $7,109 | 6.500% | — | 50 | +$149 | |
| 10 | $7,402 | 6.625% | — | 47 | +$442 | |
| 11 | $7,636 | 6.688% | — | 52 | +$676 | |
| 12 | $7,778 | 6.750% | — | 29 | +$818 | |
| 13 | $8,351 | 6.625% | — | 31 | +$1,391 | |
| 14 | $8,520 | 6.875% | — | 27 | +$1,560 | |
| 15 | $8,686 | 6.625% | — | 58 | +$1,726 | |
| 16 | $9,163 | 6.625% | — | 89 | +$2,203 | |
| 17 | $10,320 | 6.375% | — | 29 | +$3,360 | |
| 18 | $11,279 | 6.990% | — | 33 | +$4,319 | |
| 19 | $12,143 | 6.375% | — | 36 | +$5,183 | |
| 20 | $13,639 | 6.125% | — | 64 | +$6,679 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Northpointe Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $6,960 | $7,127 | −$167 (−2.3%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.