Northpointe Bank Mortgage Lending & HMDA Data, 2025
In 2025, Northpointe Bank of Grand Rapids, MI reported 10,780 mortgage applications totaling $4.2 billion, up 9% from 2024. The average application was for $392,691, and applicants reported an average income of $209,036. 59% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,675), Grand Rapids-Wyoming, MI (624) and Providence-Warwick, RI-MA (380) (applications in parentheses).
| Mortgage Company & Address | Northpointe Bank 3333 Deposit Drive Ne Grand Rapids, MI 49546 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 10,780 |
| Total Mortgage Loan Application Amount | $4,233,210,000 |
| Average Mortgage Loan Application Amount | $392,691 |
| Highest Mortgage Loan Application Amount | $3,855,000 |
| Average Applicant Income | $209,036 |
| Highest Applicant Income | $7,499,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Northpointe Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Louisville/Jefferson County, KY-IN | 1,675 | $ 428,375,000 | $ 255,746 | $ 150,057 |
| Outside any metro area | 1,320 | $ 441,760,000 | $ 334,666 | $ 193,995 |
| Grand Rapids-Wyoming, MI | 624 | $ 199,310,000 | $ 319,407 | $ 144,000 |
| Providence-Warwick, RI-MA | 380 | $ 148,550,000 | $ 390,921 | $ 152,000 |
| Denver-Aurora-Lakewood, CO | 336 | $ 151,010,000 | $ 449,434 | $ 177,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 258 | $ 131,920,000 | $ 511,317 | $ 231,000 |
| Charlotte-Concord-Gastonia, NC-SC | 173 | $ 64,625,000 | $ 373,554 | $ 185,265 |
| Daphne-Fairhope-Foley, AL | 164 | $ 84,360,000 | $ 514,390 | $ 338,000 |
| Lansing-East Lansing, MI | 160 | $ 34,680,000 | $ 216,750 | $ 148,000 |
| Atlanta-Sandy Springs-Roswell, GA | 159 | $ 79,135,000 | $ 497,704 | $ 255,000 |
| North Port-Sarasota-Bradenton, FL | 149 | $ 81,855,000 | $ 549,362 | $ 329,000 |
| Grand Junction, CO | 142 | $ 39,600,000 | $ 278,873 | $ 118,000 |
| Provo-Orem, UT | 126 | $ 66,210,000 | $ 525,476 | $ 208,000 |
| Salt Lake City, UT | 124 | $ 70,320,000 | $ 567,096 | $ 211,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 121 | $ 54,505,000 | $ 450,454 | $ 247,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 117 | $ 54,115,000 | $ 462,521 | $ 278,000 |
| Crestview-Fort Walton Beach-Destin, FL | 106 | $ 42,800,000 | $ 403,773 | $ 324,000 |
| Cambridge-Newton-Framingham, MA | 102 | $ 61,220,000 | $ 600,196 | $ 307,000 |
| Charleston-North Charleston, SC | 97 | $ 52,445,000 | $ 540,670 | $ 309,000 |
| New York-Jersey City-White Plains, NY-NJ | 94 | $ 49,790,000 | $ 529,680 | $ 228,393 |
| Colorado Springs, CO | 93 | $ 42,845,000 | $ 460,698 | $ 174,000 |
| Kahului-Wailuku-Lahaina, HI | 93 | $ 70,575,000 | $ 758,870 | $ 428,000 |
| Elizabethtown-Fort Knox, KY | 92 | $ 24,660,000 | $ 268,043 | $ 121,000 |
| Los Angeles-Long Beach-Glendale, CA | 88 | $ 62,030,000 | $ 704,886 | $ 244,000 |
| Phoenix-Mesa-Scottsdale, AZ | 86 | $ 46,960,000 | $ 546,046 | $ 251,000 |
| Lakewood-New Brunswick, NJ | 84 | $ 46,850,000 | $ 557,738 | $ 265,000 |
| Newark, NJ-PA | 84 | $ 44,980,000 | $ 535,476 | $ 254,000 |
| Spokane-Spokane Valley, WA | 82 | $ 25,660,000 | $ 312,926 | $ 153,000 |
| Indianapolis-Carmel-Anderson, IN | 81 | $ 24,375,000 | $ 300,925 | $ 179,000 |
| Panama City, FL | 78 | $ 27,410,000 | $ 351,410 | $ 300,000 |
| Worcester, MA-CT | 71 | $ 27,905,000 | $ 393,028 | $ 167,000 |
| Chicago-Naperville, IL | 70 | $ 32,350,000 | $ 462,142 | $ 239,000 |
| Dallas-Plano-Irving, TX | 66 | $ 35,610,000 | $ 539,545 | $ 257,000 |
| Arlington-Alexandria-Reston, VA-WV | 61 | $ 31,775,000 | $ 520,901 | $ 213,344 |
| Lexington-Fayette, KY | 59 | $ 20,925,000 | $ 354,661 | $ 242,000 |
| Boston, MA | 58 | $ 31,310,000 | $ 539,827 | $ 248,000 |
| Marietta, GA | 58 | $ 24,460,000 | $ 421,724 | $ 223,000 |
| Washington, DC-MD | 58 | $ 22,210,000 | $ 382,931 | $ 169,000 |
| Miami-Miami Beach-Kendall, FL | 57 | $ 32,805,000 | $ 575,526 | $ 394,000 |
| Columbus, GA-AL | 56 | $ 13,010,000 | $ 232,321 | $ 136,303 |
| Warren-Troy-Farmington Hills, MI | 56 | $ 28,250,000 | $ 504,464 | $ 355,000 |
| Detroit-Dearborn-Livonia, MI | 55 | $ 11,135,000 | $ 202,454 | $ 179,000 |
| Seattle-Bellevue-Everett, WA | 55 | $ 34,535,000 | $ 627,909 | $ 247,000 |
| Cincinnati, OH-KY-IN | 53 | $ 17,165,000 | $ 323,867 | $ 319,622 |
| Portland-Vancouver-Hillsboro, OR-WA | 53 | $ 29,185,000 | $ 550,660 | $ 370,396 |
| Baltimore-Columbia-Towson, MD | 52 | $ 18,750,000 | $ 360,576 | $ 191,000 |
| Austin-Round Rock, TX | 50 | $ 27,480,000 | $ 549,600 | $ 316,000 |
| Springfield, MA | 50 | $ 16,050,000 | $ 321,000 | $ 102,000 |
| Hartford-West Hartford-East Hartford, CT | 48 | $ 18,770,000 | $ 391,041 | $ 185,000 |
| Washington-Baltimore-Arlington, DC | 48 | $ 20,670,000 | $ 430,625 | $ 181,000 |
| Houston-The Woodlands-Sugar Land, TX | 47 | $ 20,695,000 | $ 440,319 | $ 348,000 |
| Columbus, OH | 45 | $ 15,105,000 | $ 335,666 | $ 160,000 |
| Las Vegas-Henderson-Paradise, NV | 44 | $ 21,510,000 | $ 488,863 | $ 272,000 |
| Riverside-San Bernardino-Ontario, CA | 44 | $ 23,560,000 | $ 535,454 | $ 285,000 |
| Manchester-Nashua, NH | 41 | $ 19,415,000 | $ 473,536 | $ 234,000 |
| Oakland-Hayward-Berkeley, CA | 41 | $ 24,605,000 | $ 600,121 | $ 473,000 |
| San Diego-Carlsbad, CA | 39 | $ 25,665,000 | $ 658,076 | $ 270,000 |
| Orlando-Kissimmee-Sanford, FL | 38 | $ 16,140,000 | $ 424,736 | $ 239,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 36 | $ 18,540,000 | $ 515,000 | $ 220,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 35 | $ 17,075,000 | $ 487,857 | $ 273,000 |
| Birmingham-Hoover, AL | 34 | $ 9,580,000 | $ 281,764 | $ 146,000 |
| Nassau County-Suffolk County, NY | 33 | $ 25,465,000 | $ 771,666 | $ 439,000 |
| Tampa, FL | 33 | $ 13,265,000 | $ 401,969 | $ 227,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 32 | $ 5,890,000 | $ 184,062 | $ 166,000 |
| Wilmington, DE-MD-NJ | 32 | $ 11,450,000 | $ 357,812 | $ 149,806 |
| Everett, WA | 31 | $ 19,845,000 | $ 640,161 | $ 226,000 |
| Greeley, CO | 31 | $ 14,305,000 | $ 461,451 | $ 184,000 |
| Port St. Lucie, FL | 31 | $ 13,045,000 | $ 420,806 | $ 188,000 |
| Montgomery County-Bucks County-Chester County, PA | 30 | $ 15,620,000 | $ 520,666 | $ 237,000 |
| Anaheim-Santa Ana-Irvine, CA | 29 | $ 21,525,000 | $ 742,241 | $ 326,000 |
| Dover, DE | 29 | $ 7,365,000 | $ 253,965 | $ 98,000 |
| Raleigh, NC | 29 | $ 16,055,000 | $ 553,620 | $ 217,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 28 | $ 10,230,000 | $ 365,357 | $ 200,000 |
| Wilmington, NC | 24 | $ 10,980,000 | $ 457,500 | $ 329,000 |
| Cape Coral-Fort Myers, FL | 23 | $ 11,055,000 | $ 480,652 | $ 587,000 |
| Cleveland, OH | 23 | $ 5,185,000 | $ 225,434 | $ 127,000 |
| Kalamazoo-Portage, MI | 22 | $ 7,700,000 | $ 350,000 | $ 208,000 |
| Muskegon, MI | 22 | $ 4,290,000 | $ 195,000 | $ 161,000 |
| Bridgeport-Stamford-Norwalk, CT | 21 | $ 9,665,000 | $ 460,238 | $ 288,000 |
| Pensacola-Ferry Pass-Brent, FL | 21 | $ 8,555,000 | $ 407,380 | $ 176,000 |
| Ogden-Clearfield, UT | 20 | $ 12,280,000 | $ 614,000 | $ 213,000 |
| Richmond, VA | 20 | $ 10,800,000 | $ 540,000 | $ 249,000 |
| Barnstable Town, MA | 19 | $ 9,685,000 | $ 509,736 | $ 221,000 |
| Jacksonville, FL | 19 | $ 9,365,000 | $ 492,894 | $ 264,000 |
| Savannah, GA | 19 | $ 10,485,000 | $ 551,842 | $ 171,000 |
| Albuquerque, NM | 18 | $ 8,100,000 | $ 450,000 | $ 197,000 |
| Naples-Immokalee-Marco Island, FL | 18 | $ 7,890,000 | $ 438,333 | $ 325,000 |
| Rockingham County-Strafford County, NH | 18 | $ 8,510,000 | $ 472,777 | $ 208,000 |
| St. Louis, MO-IL | 18 | $ 6,750,000 | $ 375,000 | $ 190,166 |
| St. Petersburg-Clearwater-Largo, FL | 18 | $ 6,130,000 | $ 340,555 | $ 348,000 |
| Ocala, FL | 17 | $ 4,885,000 | $ 287,352 | $ 117,000 |
| Portland-South Portland, ME | 17 | $ 6,565,000 | $ 386,176 | $ 164,000 |
| Akron, OH | 16 | $ 3,710,000 | $ 231,875 | $ 147,000 |
| Amherst Town-Northampton, MA | 16 | $ 5,420,000 | $ 338,750 | $ 133,000 |
| Hagerstown-Martinsburg, MD-WV | 16 | $ 4,240,000 | $ 265,000 | $ 104,500 |
| Huntington-Ashland, WV-KY-OH | 16 | $ 2,920,000 | $ 182,500 | $ 299,625 |
| Pittsburgh, PA | 16 | $ 4,930,000 | $ 308,125 | $ 148,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 15 | $ 6,085,000 | $ 405,666 | $ 276,600 |
| Boise City, ID | 15 | $ 6,945,000 | $ 463,000 | $ 156,000 |
| Elgin, IL | 15 | $ 6,935,000 | $ 462,333 | $ 192,000 |
| Greenville-Anderson-Mauldin, SC | 15 | $ 7,155,000 | $ 477,000 | $ 233,000 |
| Milwaukee-Waukesha-West Allis, WI | 15 | $ 7,725,000 | $ 515,000 | $ 172,000 |
| Palm Bay-Melbourne-Titusville, FL | 15 | $ 4,665,000 | $ 311,000 | $ 143,000 |
| Philadelphia, PA | 15 | $ 5,665,000 | $ 377,666 | $ 208,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 15 | $ 11,645,000 | $ 776,333 | $ 369,000 |
| Auburn-Opelika, AL | 14 | $ 5,470,000 | $ 390,714 | $ 149,000 |
| Kansas City, MO-KS | 14 | $ 5,770,000 | $ 412,142 | $ 180,571 |
| Memphis, TN-MS-AR | 14 | $ 4,930,000 | $ 352,142 | $ 191,571 |
| Prescott Valley-Prescott, AZ | 14 | $ 6,730,000 | $ 480,714 | $ 227,000 |
| Punta Gorda, FL | 14 | $ 3,350,000 | $ 239,285 | $ 180,000 |
| Sebastian-Vero Beach, FL | 14 | $ 6,110,000 | $ 436,428 | $ 150,000 |
| South Bend-Mishawaka, IN-MI | 14 | $ 3,780,000 | $ 270,000 | $ 168,928 |
| Trenton, NJ | 14 | $ 7,800,000 | $ 557,142 | $ 210,000 |
| Knoxville, TN | 13 | $ 5,405,000 | $ 415,769 | $ 163,000 |
| New Haven-Milford, CT | 13 | $ 5,745,000 | $ 441,923 | $ 259,000 |
| San Francisco-Redwood City-South San Francisco, CA | 13 | $ 9,305,000 | $ 715,769 | $ 239,000 |
| Augusta-Richmond County, GA-SC | 12 | $ 3,030,000 | $ 252,500 | $ 121,000 |
| Camden, NJ | 12 | $ 5,860,000 | $ 488,333 | $ 201,000 |
| Canton-Massillon, OH | 12 | $ 2,250,000 | $ 187,500 | $ 126,000 |
| Fort Worth-Arlington, TX | 12 | $ 5,890,000 | $ 490,833 | $ 236,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 12 | $ 4,420,000 | $ 368,333 | $ 159,000 |
| Lakeland-Winter Haven, FL | 12 | $ 2,910,000 | $ 242,500 | $ 233,000 |
| Urban Honolulu, HI | 12 | $ 5,330,000 | $ 444,166 | $ 321,000 |
| Columbus, IN | 11 | $ 2,075,000 | $ 188,636 | $ 98,000 |
| Evansville, IN-KY | 11 | $ 1,765,000 | $ 160,454 | $ 99,000 |
| Fort Collins, CO | 11 | $ 6,155,000 | $ 559,545 | $ 317,000 |
| Norwich-New London, CT | 11 | $ 3,075,000 | $ 279,545 | $ 176,000 |
| Tacoma-Lakewood, WA | 11 | $ 5,135,000 | $ 466,818 | $ 210,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 4,135,000 | $ 375,909 | $ 124,000 |
| Albany-Schenectady-Troy, NY | 10 | $ 2,900,000 | $ 290,000 | $ 127,000 |
| Ann Arbor, MI | 10 | $ 2,780,000 | $ 278,000 | $ 119,000 |
| Bloomington, IN | 10 | $ 2,450,000 | $ 245,000 | $ 149,000 |
| Durham-Chapel Hill, NC | 10 | $ 3,700,000 | $ 370,000 | $ 169,000 |
| Fresno, CA | 10 | $ 4,480,000 | $ 448,000 | $ 1,325,000 |
| Lake County-Porter County-Jasper County, IN | 10 | $ 3,400,000 | $ 340,000 | $ 136,000 |
| Reno, NV | 10 | $ 4,660,000 | $ 466,000 | $ 235,000 |
| Asheville, NC | 9 | $ 3,655,000 | $ 406,111 | $ 404,000 |
| Clarksville, TN-KY | 9 | $ 1,915,000 | $ 212,777 | $ 111,333 |
| Columbia, SC | 9 | $ 2,345,000 | $ 260,555 | $ 126,000 |
| Gulfport-Biloxi-Pascagoula, MS | 9 | $ 2,335,000 | $ 259,444 | $ 120,000 |
| Hickory-Lenoir-Morganton, NC | 9 | $ 3,495,000 | $ 388,333 | $ 196,000 |
| Lake County-Kenosha County, IL-WI | 9 | $ 6,565,000 | $ 729,444 | $ 285,000 |
| Montgomery, AL | 9 | $ 2,955,000 | $ 328,333 | $ 383,000 |
| Winchester, VA-WV | 9 | $ 2,325,000 | $ 258,333 | $ 449,000 |
| Jackson, MI | 8 | $ 1,660,000 | $ 207,500 | $ 73,000 |
| Pueblo, CO | 8 | $ 2,080,000 | $ 260,000 | $ 72,000 |
| Boulder, CO | 7 | $ 3,975,000 | $ 567,857 | $ 181,000 |
| Brunswick, GA | 7 | $ 1,845,000 | $ 263,571 | $ 131,000 |
| Elkhart-Goshen, IN | 7 | $ 2,255,000 | $ 322,142 | $ 193,000 |
| Gainesville, GA | 7 | $ 3,085,000 | $ 440,714 | $ 188,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 7 | $ 5,145,000 | $ 735,000 | $ 266,000 |
| Merced, CA | 7 | $ 2,645,000 | $ 377,857 | $ 137,000 |
| San Antonio-New Braunfels, TX | 7 | $ 4,665,000 | $ 666,428 | $ 375,000 |
| St. George, UT | 7 | $ 4,075,000 | $ 582,142 | $ 339,000 |
| Stockton-Lodi, CA | 7 | $ 4,495,000 | $ 642,142 | $ 300,000 |
| Traverse City, MI | 7 | $ 2,225,000 | $ 317,857 | $ 274,000 |
| Tulsa, OK | 7 | $ 1,865,000 | $ 266,428 | $ 122,000 |
| Wildwood-The Villages, FL | 7 | $ 1,505,000 | $ 215,000 | $ 143,000 |
| Athens-Clarke County, GA | 6 | $ 3,430,000 | $ 571,666 | $ 158,000 |
| Bellingham, WA | 6 | $ 3,010,000 | $ 501,666 | $ 314,000 |
| Bend-Redmond, OR | 6 | $ 3,400,000 | $ 566,666 | $ 212,000 |
| Bowling Green, KY | 6 | $ 1,780,000 | $ 296,666 | $ 111,000 |
| Greensboro-High Point, NC | 6 | $ 2,070,000 | $ 345,000 | $ 295,000 |
| Kankakee, IL | 6 | $ 570,000 | $ 95,000 | $ 194,000 |
| Mobile, AL | 6 | $ 2,560,000 | $ 426,666 | $ 455,000 |
| New Orleans-Metairie, LA | 6 | $ 1,390,000 | $ 231,666 | $ 135,000 |
| Niles-Benton Harbor, MI | 6 | $ 2,090,000 | $ 348,333 | $ 227,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 4,010,000 | $ 668,333 | $ 300,000 |
| Santa Fe, NM | 6 | $ 2,420,000 | $ 403,333 | $ 418,000 |
| Spartanburg, SC | 6 | $ 1,270,000 | $ 211,666 | $ 105,000 |
| Waterbury-Shelton, CT | 6 | $ 2,720,000 | $ 453,333 | $ 193,000 |
| Baton Rouge, LA | 5 | $ 2,045,000 | $ 409,000 | $ 157,000 |
| Bremerton-Silverdale, WA | 5 | $ 3,155,000 | $ 631,000 | $ 251,000 |
| El Paso, TX | 5 | $ 5,175,000 | $ 1,035,000 | $ 608,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 3,115,000 | $ 623,000 | $ 347,000 |
| Glens Falls, NY | 5 | $ 1,105,000 | $ 221,000 | $ 133,000 |
| Springfield, OH | 5 | $ 615,000 | $ 123,000 | $ 0 |
| Toledo, OH | 5 | $ 1,565,000 | $ 313,000 | $ 123,000 |
| Tucson, AZ | 5 | $ 1,575,000 | $ 315,000 | $ 120,000 |
| Winston-Salem, NC | 5 | $ 2,235,000 | $ 447,000 | $ 210,000 |
| Anniston-Oxford-Jacksonville, AL | 4 | $ 240,000 | $ 60,000 | $ 54,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 2,320,000 | $ 580,000 | $ 363,000 |
| Bakersfield, CA | 4 | $ 1,250,000 | $ 312,500 | $ 170,000 |
| Battle Creek, MI | 4 | $ 780,000 | $ 195,000 | $ 81,000 |
| Bay City, MI | 4 | $ 720,000 | $ 180,000 | $ 99,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 1,960,000 | $ 490,000 | $ 251,000 |
| Chattanooga, TN-GA | 4 | $ 1,800,000 | $ 450,000 | $ 278,000 |
| Cheyenne, WY | 4 | $ 2,100,000 | $ 525,000 | $ 305,000 |
| Des Moines-West Des Moines, IA | 4 | $ 1,590,000 | $ 397,500 | $ 128,000 |
| Flagstaff, AZ | 4 | $ 1,350,000 | $ 337,500 | $ 432,000 |
| Fort Wayne, IN | 4 | $ 900,000 | $ 225,000 | $ 186,000 |
| Greenville, NC | 4 | $ 920,000 | $ 230,000 | $ 227,000 |
| Johnson City, TN | 4 | $ 750,000 | $ 187,500 | $ 63,000 |
| Lancaster, PA | 4 | $ 1,410,000 | $ 352,500 | $ 167,000 |
| Logan, UT-ID | 4 | $ 1,500,000 | $ 375,000 | $ 129,000 |
| Macon-Bibb County, GA | 4 | $ 1,330,000 | $ 332,500 | $ 161,000 |
| Madison, WI | 4 | $ 2,480,000 | $ 620,000 | $ 246,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 1,350,000 | $ 337,500 | $ 263,000 |
| Oklahoma City, OK | 4 | $ 1,840,000 | $ 460,000 | $ 315,000 |
| Albany, GA | 3 | $ 1,055,000 | $ 351,666 | $ 107,000 |
| Brownsville-Harlingen, TX | 3 | $ 1,025,000 | $ 341,666 | $ 370,000 |
| Burlington, NC | 3 | $ 1,035,000 | $ 345,000 | $ 189,000 |
| Burlington-South Burlington, VT | 3 | $ 1,535,000 | $ 511,666 | $ 182,000 |
| Charlottesville, VA | 3 | $ 1,475,000 | $ 491,666 | $ 261,000 |
| Chico, CA | 3 | $ 1,175,000 | $ 391,666 | $ 104,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 355,000 | $ 118,333 | $ 239,000 |
| Flint, MI | 3 | $ 995,000 | $ 331,666 | $ 118,000 |
| Florence, SC | 3 | $ 465,000 | $ 155,000 | $ 92,000 |
| Florence-Muscle Shoals, AL | 3 | $ 1,495,000 | $ 498,333 | $ 210,000 |
| Gainesville, FL | 3 | $ 985,000 | $ 328,333 | $ 164,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 785,000 | $ 261,666 | $ 158,000 |
| Lafayette, LA | 3 | $ 515,000 | $ 171,666 | $ 270,000 |
| Lafayette-West Lafayette, IN | 3 | $ 965,000 | $ 321,666 | $ 226,000 |
| Mankato-North Mankato, MN | 3 | $ 1,265,000 | $ 421,666 | $ 203,000 |
| Morgantown, WV | 3 | $ 275,000 | $ 91,666 | $ 48,000 |
| Pittsfield, MA | 3 | $ 1,375,000 | $ 458,333 | $ 269,000 |
| Racine, WI | 3 | $ 1,445,000 | $ 481,666 | $ 274,000 |
| Reading, PA | 3 | $ 905,000 | $ 301,666 | $ 144,000 |
| Rochester, NY | 3 | $ 965,000 | $ 321,666 | $ 140,000 |
| Santa Rosa, CA | 3 | $ 1,125,000 | $ 375,000 | $ 153,000 |
| Springfield, MO | 3 | $ 865,000 | $ 288,333 | $ 172,000 |
| Syracuse, NY | 3 | $ 325,000 | $ 108,333 | $ 114,000 |
| Tallahassee, FL | 3 | $ 625,000 | $ 208,333 | $ 160,000 |
| Tuscaloosa, AL | 3 | $ 895,000 | $ 298,333 | $ 172,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,425,000 | $ 475,000 | $ 336,000 |
| Visalia-Porterville, CA | 3 | $ 825,000 | $ 275,000 | $ 269,000 |
| Bangor, ME | 2 | $ 1,010,000 | $ 505,000 | $ 207,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Coeur D'Alene, ID | 2 | $ 670,000 | $ 335,000 | $ 293,000 |
| Corpus Christi, TX | 2 | $ 610,000 | $ 305,000 | $ 969,000 |
| Fayetteville, NC | 2 | $ 330,000 | $ 165,000 | $ 132,000 |
| Goldsboro, NC | 2 | $ 720,000 | $ 360,000 | $ 129,000 |
| Green Bay, WI | 2 | $ 530,000 | $ 265,000 | $ 80,000 |
| Harrisburg-Carlisle, PA | 2 | $ 970,000 | $ 485,000 | $ 150,000 |
| Hinesville, GA | 2 | $ 390,000 | $ 195,000 | $ 91,000 |
| Hot Springs, AR | 2 | $ 410,000 | $ 205,000 | $ 183,000 |
| Huntsville, AL | 2 | $ 790,000 | $ 395,000 | $ 149,000 |
| Jackson, TN | 2 | $ 240,000 | $ 120,000 | $ 55,000 |
| Jacksonville, NC | 2 | $ 350,000 | $ 175,000 | $ 160,000 |
| Kennewick-Richland, WA | 2 | $ 890,000 | $ 445,000 | $ 112,000 |
| Killeen-Temple, TX | 2 | $ 190,000 | $ 95,000 | $ 24,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 1,160,000 | $ 580,000 | $ 337,000 |
| Lexington Park, MD | 2 | $ 930,000 | $ 465,000 | $ 168,000 |
| Lincoln, NE | 2 | $ 1,050,000 | $ 525,000 | $ 225,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 630,000 | $ 315,000 | $ 200,000 |
| Longview, WA | 2 | $ 1,000,000 | $ 500,000 | $ 202,000 |
| Midland, MI | 2 | $ 620,000 | $ 310,000 | $ 350,000 |
| Modesto, CA | 2 | $ 950,000 | $ 475,000 | $ 115,000 |
| Monroe, MI | 2 | $ 190,000 | $ 95,000 | $ 58,000 |
| Morristown, TN | 2 | $ 400,000 | $ 200,000 | $ 125,000 |
| Muncie, IN | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Napa, CA | 2 | $ 2,300,000 | $ 1,150,000 | $ 311,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 440,000 | $ 220,000 | $ 55,000 |
| Owensboro, KY | 2 | $ 1,250,000 | $ 625,000 | $ 397,000 |
| Paducah, KY-IL | 2 | $ 590,000 | $ 295,000 | $ 80,000 |
| Roanoke, VA | 2 | $ 800,000 | $ 400,000 | $ 374,000 |
| Rockford, IL | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Salinas, CA | 2 | $ 1,460,000 | $ 730,000 | $ 254,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 1,380,000 | $ 690,000 | $ 184,000 |
| San Rafael, CA | 2 | $ 910,000 | $ 455,000 | $ 326,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,310,000 | $ 655,000 | $ 292,000 |
| Sherman-Denison, TX | 2 | $ 530,000 | $ 265,000 | $ 130,000 |
| Shreveport-Bossier City, LA | 2 | $ 490,000 | $ 245,000 | $ 126,000 |
| State College, PA | 2 | $ 840,000 | $ 420,000 | $ 134,000 |
| Sumter, SC | 2 | $ 280,000 | $ 140,000 | $ 120,000 |
| Victoria, TX | 2 | $ 270,000 | $ 135,000 | $ 55,000 |
| Walla Walla, WA | 2 | $ 640,000 | $ 320,000 | $ 141,000 |
| Wichita Falls, TX | 2 | $ 440,000 | $ 220,000 | $ 148,000 |
| York-Hanover, PA | 2 | $ 630,000 | $ 315,000 | $ 86,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 260,000 | $ 130,000 | $ 37,000 |
| Amarillo, TX | 1 | $ 405,000 | $ 405,000 | $ 193,000 |
| Ames, IA | 1 | $ 465,000 | $ 465,000 | $ 133,000 |
| Anchorage, AK | 1 | $ 355,000 | $ 355,000 | $ 145,000 |
| Beaumont-Port Arthur, TX | 1 | $ 1,375,000 | $ 1,375,000 | $ 3,749,000 |
| Beckley, WV | 1 | $ 635,000 | $ 635,000 | $ 203,000 |
| Billings, MT | 1 | $ 105,000 | $ 105,000 | $ 400,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Cape Girardeau, MO-IL | 1 | $ 265,000 | $ 265,000 | $ 165,000 |
| Columbia, MO | 1 | $ 495,000 | $ 495,000 | $ 150,000 |
| Dalton, GA | 1 | $ 355,000 | $ 355,000 | $ 139,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Decatur, AL | 1 | $ 215,000 | $ 215,000 | $ 480,000 |
| Decatur, IL | 1 | $ 445,000 | $ 445,000 | $ 201,000 |
| Duluth, MN-WI | 1 | $ 645,000 | $ 645,000 | $ 271,000 |
| El Centro, CA | 1 | $ 405,000 | $ 405,000 | $ 120,000 |
| Eugene, OR | 1 | $ 1,145,000 | $ 1,145,000 | $ 223,000 |
| Fond Du Lac, WI | 1 | $ 265,000 | $ 265,000 | $ 129,000 |
| Fort Smith, AR-OK | 1 | $ 405,000 | $ 405,000 | $ 369,000 |
| Gadsden, AL | 1 | $ 345,000 | $ 345,000 | $ 131,000 |
| Hattiesburg, MS | 1 | $ 285,000 | $ 285,000 | $ 111,000 |
| Helena, MT | 1 | $ 315,000 | $ 315,000 | $ 154,000 |
| Houma-Thibodaux, LA | 1 | $ 335,000 | $ 335,000 | $ 148,000 |
| Jackson, MS | 1 | $ 135,000 | $ 135,000 | $ 92,000 |
| Kenosha, WI | 1 | $ 325,000 | $ 325,000 | $ 153,000 |
| Las Cruces, NM | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| Lawton, OK | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Lebanon, PA | 1 | $ 195,000 | $ 195,000 | $ 61,000 |
| Lima, OH | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lynchburg, VA | 1 | $ 225,000 | $ 225,000 | $ 50,000 |
| Medford, OR | 1 | $ 1,155,000 | $ 1,155,000 | $ 504,000 |
| Michigan City-La Porte, IN | 1 | $ 265,000 | $ 265,000 | $ 143,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 485,000 | $ 485,000 | $ 130,000 |
| Olympia-Tumwater, WA | 1 | $ 515,000 | $ 515,000 | $ 108,000 |
| Oshkosh-Neenah, WI | 1 | $ 405,000 | $ 405,000 | $ 209,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 375,000 | $ 375,000 | $ 141,000 |
| Pocatello, ID | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Rapid City, SD | 1 | $ 285,000 | $ 285,000 | $ 204,000 |
| Rochester, MN | 1 | $ 635,000 | $ 635,000 | $ 318,000 |
| Rocky Mount, NC | 1 | $ 275,000 | $ 275,000 | $ 63,000 |
| Rome, GA | 1 | $ 225,000 | $ 225,000 | $ 215,000 |
| Saginaw, MI | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Salem, OR | 1 | $ 655,000 | $ 655,000 | $ 169,000 |
| San Angelo, TX | 1 | $ 275,000 | $ 275,000 | $ 84,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 755,000 | $ 755,000 | $ 174,000 |
| Sheboygan, WI | 1 | $ 405,000 | $ 405,000 | $ 341,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 165,000 | $ 165,000 | $ 102,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 215,000 | $ 215,000 | $ 247,000 |
| St. Cloud, MN | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| St. Joseph, MO-KS | 1 | $ 135,000 | $ 135,000 | $ 33,000 |
| Terre Haute, IN | 1 | $ 415,000 | $ 415,000 | $ 176,000 |
| Texarkana, TX-AR | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Utica-Rome, NY | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Valdosta, GA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Waco, TX | 1 | $ 405,000 | $ 405,000 | $ 153,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Yakima, WA | 1 | $ 335,000 | $ 335,000 | $ 200,000 |
| Yuba City, CA | 1 | $ 325,000 | $ 325,000 | $ 261,000 |
Mortgage Loan Application Detail Totals for Northpointe Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 6,646 | $2,507,900,000 | $377,000 | $3,855,000 | $187,000 | $7,499,000 |
| Refinancing | 1,908 | $882,530,000 | $462,000 | $2,135,000 | $237,000 | $6,730,000 |
| Cash-out Refinancing | 1,822 | $780,060,000 | $428,000 | $3,005,000 | $250,000 | $4,831,000 |
| Other Purpose | 403 | $62,405,000 | $154,000 | $2,005,000 | $255,000 | $6,925,000 |
| Home Improvement | 1 | $315,000 | $315,000 | $315,000 | $154,000 | $154,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 6,839 | $2,715,515,000 | $397,000 | $3,855,000 | $215,000 | $7,499,000 |
| Not Provided | 1,563 | $623,665,000 | $399,000 | $3,005,000 | $207,000 | $3,262,000 |
| Hispanic | 834 | $302,890,000 | $363,000 | $1,805,000 | $176,000 | $6,730,000 |
| Asian | 648 | $339,060,000 | $523,000 | $3,805,000 | $264,000 | $6,925,000 |
| Black or African American | 631 | $184,505,000 | $292,000 | $3,005,000 | $145,000 | $2,200,000 |
| Not applicable | 206 | $47,100,000 | $228,000 | $1,025,000 | $87,000 | $2,870,000 |
| American Indian or Alaskan Native | 39 | $13,625,000 | $349,000 | $765,000 | $183,000 | $630,000 |
| Native Hawaiian or Other Pacific Islander | 20 | $6,850,000 | $342,000 | $1,205,000 | $256,000 | $858,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 8,814 | $3,548,980,000 | $402,000 | $3,855,000 | $231,000 | $7,499,000 |
| FHA-insured (Federal Housing Administration) | 1,434 | $465,970,000 | $324,000 | $1,035,000 | $106,000 | $1,478,000 |
| VA-guaranteed (Veterans Administration) | 505 | $211,215,000 | $418,000 | $1,825,000 | $127,000 | $650,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $7,045,000 | $260,000 | $605,000 | $90,000 | $143,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 6,396 | $2,556,410,000 | $399,000 | $3,045,000 | $207,000 | $4,317,000 |
| Application Withdrawn By Applicant | 2,698 | $1,074,100,000 | $398,000 | $3,855,000 | $226,000 | $7,499,000 |
| Application Denied By Financial Institution | 748 | $249,750,000 | $333,000 | $2,065,000 | $173,000 | $6,925,000 |
| File Closed For Incompleteness | 479 | $205,695,000 | $429,000 | $2,535,000 | $232,000 | $1,731,000 |
| Loan Purchased By The Institution | 207 | $47,355,000 | $228,000 | $1,025,000 | $87,000 | $2,870,000 |
| Preapproval Approved but not Accepted | 143 | $60,355,000 | $422,000 | $3,005,000 | $178,000 | $1,860,000 |
| Application Approved But Not Accepted | 56 | $22,910,000 | $409,000 | $1,955,000 | $282,000 | $1,491,000 |
| Preapproval Denied by Financial Institution | 53 | $16,635,000 | $313,000 | $1,915,000 | $91,000 | $492,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 9,979 | $3,966,825,000 | $397,000 | $3,855,000 | $211,000 | $7,499,000 |
| Debt-To-Income Ratio | 291 | $110,935,000 | $381,000 | $2,065,000 | $111,000 | $472,000 |
| Credit History | 165 | $44,255,000 | $268,000 | $1,765,000 | $158,000 | $1,939,000 |
| Collateral | 136 | $40,140,000 | $295,000 | $2,005,000 | $231,000 | $2,090,000 |
| Other | 78 | $26,490,000 | $339,000 | $1,805,000 | $279,000 | $3,749,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 48 | $17,130,000 | $356,000 | $1,715,000 | $157,000 | $894,000 |
| Unverifiable Information | 46 | $17,240,000 | $374,000 | $2,005,000 | $299,000 | $6,925,000 |
| Employment History | 23 | $4,935,000 | $214,000 | $495,000 | $85,000 | $314,000 |
| Credit Application Incomplete | 14 | $5,260,000 | $375,000 | $1,915,000 | $175,000 | $492,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Northpointe Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Northpointe Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.
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