Northpointe Bank closing costs and rates (2024)
In 2024, Northpointe Bank originated 2,964 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $7,049. That ranks #155 nationally by origination volume. For total closing costs among lenders with 500+ originations, Northpointe Bank ranks #369. That is $308 above the national median of $6,741. Northpointe Bank is most active in Kentucky with 707 originations there.
Purchase Originations
2,964
Ranked #155 nationally
Median Total Costs
$7,049
+4.6% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$2,647
Median Lender Credits
$344
Cost Rank (500+ vol.)
#369
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,922 | 6.750% | $5,750 | $2,634 |
| fha | 756 | 6.500% | $10,885 | $3,016 |
| va | 267 | 6.250% | $8,139 | $1,936 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kentucky | 707 | 6.625% | $7,183 | #8 |
| Michigan | 270 | 6.625% | $4,850 | #62 |
| Florida | 264 | 6.875% | $8,271 | #141 |
| Colorado | 210 | 6.625% | $9,133 | #73 |
| Georgia | 194 | 6.625% | $6,079 | #99 |
| Indiana | 135 | 6.750% | $5,799 | #104 |
| Rhode Island | 135 | 6.625% | $9,115 | #15 |
| North Carolina | 108 | 6.500% | $7,950 | #145 |
| Utah | 95 | 6.125% | $10,923 | #59 |
| California | 92 | 6.500% | $7,121 | #206 |
| Massachusetts | 70 | 6.625% | $6,860 | #110 |
| New Jersey | 68 | 6.812% | $8,603 | #129 |
| Tennessee | 64 | 6.433% | $6,778 | #158 |
| Texas | 60 | 6.375% | $7,679 | #332 |
| Alabama | 57 | 6.500% | $7,965 | #121 |
| South Carolina | 49 | 6.875% | $6,038 | — |
| Hawaii | 41 | 6.875% | $9,502 | — |
| Washington | 35 | 6.625% | $7,766 | — |
| Pennsylvania | 33 | 6.625% | $7,022 | — |
| Ohio | 31 | 6.625% | $5,769 | — |
| Illinois | 28 | 6.495% | $6,517 | — |
| Arizona | 26 | 6.250% | $6,454 | — |
| Virginia | 24 | 6.250% | $5,932 | — |
| Connecticut | 21 | 6.500% | $6,710 | — |
| Oregon | 16 | 5.812% | $10,147 | — |
| New Hampshire | 15 | 6.490% | $6,211 | — |
| Minnesota | 12 | 6.375% | $4,482 | — |
| New York | 12 | 6.750% | $8,552 | — |
| Delaware | 11 | 5.990% | $8,679 | — |
| Maryland | 11 | 6.625% | $5,727 | — |
| Nevada | 9 | 6.250% | $5,720 | — |
| Maine | 7 | 6.375% | $5,955 | — |
| Montana | 7 | 6.875% | $7,062 | — |
| Louisiana | 6 | 6.438% | $6,966 | — |
| New Mexico | 6 | 6.375% | $5,022 | — |
| Nebraska | 5 | 6.625% | $3,640 | — |
| West Virginia | 5 | 6.250% | $8,316 | — |
| Idaho | 4 | 6.250% | $5,373 | — |
| Wisconsin | 4 | 6.562% | $3,013 | — |
| Wyoming | 4 | 6.625% | $12,061 | — |
| Iowa | 3 | 6.125% | $5,569 | — |
| Kansas | 3 | 6.500% | $8,502 | — |
| Missouri | 2 | 6.495% | $3,241 | — |
| Mississippi | 2 | 6.438% | $8,766 | — |
| Alaska | 1 | 6.375% | $6,380 | — |
| Arkansas | 1 | 6.490% | $8,126 | — |
| District of Columbia | 1 | 6.490% | $8,002 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,263 | 6.500% | — | 29 | −$2,786 | |
| 2 | $4,968 | 6.562% | — | 36 | −$2,081 | |
| 3 | $4,998 | 6.625% | — | 98 | −$2,051 | |
| 4 | $5,796 | 6.250% | — | 27 | −$1,253 | |
| 5 | $5,925 | 6.500% | — | 43 | −$1,124 | |
| 6 | $6,154 | 6.750% | — | 38 | −$895 | |
| 7 | $6,807 | 6.625% | — | 53 | −$242 | |
| 8 | $6,821 | 6.625% | — | 382 | −$228 | |
| 9 | $7,662 | 6.500% | — | 25 | +$613 | |
| 10 | $7,923 | 6.625% | — | 34 | +$874 | |
| 11 | $8,457 | 6.375% | — | 45 | +$1,408 | |
| 12 | $8,729 | 6.990% | — | 42 | +$1,680 | |
| 13 | $8,766 | 6.438% | — | 24 | +$1,717 | |
| 14 | $8,950 | 6.875% | — | 33 | +$1,901 | |
| 15 | $9,206 | 6.625% | — | 86 | +$2,157 | |
| 16 | $9,224 | 6.500% | — | 25 | +$2,175 | |
| 17 | $9,299 | 6.625% | — | 28 | +$2,250 | |
| 18 | $9,494 | 6.990% | — | 36 | +$2,445 | |
| 19 | $9,974 | 6.875% | — | 24 | +$2,925 | |
| 20 | $9,983 | 6.000% | — | 39 | +$2,934 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.