Northpointe Bank Mortgage Review 2024

Good for: borrowers with credit challenges or self-employed home buyers seeking a variety of mortgage offerings and who don’t mind doing a little bit of manual research.
Last updated on January 18, 2024
Written by 
Content Management Specialist
Johanna Arnone
Edited by 
Fact Checked
Assistant Assigning Editor
Fact Checked
Phil Metzger
Written by 
Content Management Specialist
Johanna Arnone
Edited by 
Fact Checked
Assistant Assigning Editor
Fact Checked

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Our Take


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The Nerdy headline:

Northpointe Bank offers plenty of loan options for borrowers rebuilding their credit and those who may not have traditional tax returns. But origination fees tend to be higher than those at other lenders, and you’ll need to contact the lender for rates and pre-qualify before you can apply.

Jump to:Full Review
Northpointe: NMLS#447490

Min. credit score
Min. down payment
Loan types and products
Purchase, Refinance, Home Equity, Jumbo, Fixed, Adjustable, FHA, VA, USDA
at Northpointe


  • Offers government-backed FHA and VA loans, including refinancing options, and USDA loans.
  • Jumbo loans available for vacation homes and investment properties.
  • Offers programs for borrowers with credit challenges, self-employed borrowers and professionals early in their careers who may still carry significant debt.


  • Mortgage rates are not published online.
  • Origination fees are on the high side, according to the latest federal data.
  • Doesn’t offer home equity loans or lines of credit.
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Full Review

Northpointe Bank's mortgage loan options

  • 3 of 5 stars

Northpointe has a wide loan selection, with options particularly for borrowers who might struggle to qualify elsewhere. The lender offers government-backed USDA, FHA and VA loans, including FHA and VA refinancing options. You’ll find an option for self-employed borrowers who don’t have a traditional method for proving income, programs for those with credit issues and a no-down-payment program for medical professionals. Borrowers can also choose from a variety of jumbo loans for properties such as vacation homes and investment options.

The lender does not offer home equity loans or lines of credit.

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What it’s like to apply for a Northpointe Bank mortgage

  • 3.5 of 5 stars

You can obtain Northpointe’s online application from a loan officer or through its mobile app, but you’ll have to go through pre-qualification first. From the lender’s rates page, you can click on “Apply Now” to start pre-qualification.

If you have questions, customer service numbers are available from the “Connect” tab at the top of every page on the lender’s website. A chat option on the lender’s site can also help answer questions.

Northpointe Bank's mortgage rates and fees

  • 2.5 of 5 stars

  • Northpointe earns 2 of 5 stars for average origination fee.

  • Northpointe earns 3 of 5 stars for average mortgage interest rates.

NerdWallet analyzes federal data to compare mortgage lenders’ origination fees and offered mortgage rates. We measure annual averages across all loan types, as reported by the lenders. Overall, Northpointe Bank had higher origination fees than average, with mortgage rates that were typical in the industry.

Borrowers should consider the balance between lender fees and mortgage rates. While it's not always the case, paying upfront fees can lower your mortgage interest rate. Some lenders will charge higher upfront fees to lower their advertised interest rate and make it more attractive. Some lenders just charge higher upfront fees.

Northpointe Bank's mortgage rate transparency

  • 1 of 5 stars

Mortgage rates are not published on the Northpointe Bank website. To get a fully customized quote, you'll need to apply for pre-qualification or contact a loan officer.

NerdWallet’s transparency ratings are higher for lenders that post sample rates on their sites, making it easier for home buyers to comparison shop, and highest for sites with self-serve tools that allow shoppers to see what rates might be like for their particular loan.

What borrowers say about Northpointe Bank mortgages

NerdWallet’s lender star ratings assess objective qualities, including rates, fees and loan offerings. To assess borrowers’ subjective experiences with lenders, NerdWallet has gathered customer satisfaction ratings from Zillow.

  • Northpointe receives a score of 4.94 out of 5 on Zillow, as of the date of publication. The rating reflects 4,445 customer reviews.

Alternatives to a home loan from Northpointe Bank

Here are some comparable lenders we review that borrowers can consider. PNC Bank also offers similar jumbo loan options, and Guaranteed Rate offers a similarly wide variety of other loans.

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NerdWallet’s overall ratings for mortgage lenders are evaluated based on four major categories: variety of loan types (purchase, refinance, fixed and adjustable, for example), ease of application, rates and fees and rate transparency. Among the factors we consider when scoring these categories are options to apply for and track loans online, the level of detail about mortgage rates on lender websites and our analysis of the rates and fees lenders reported in the latest available Home Mortgage Disclosure Act data. These scores generate ratings from 1 star (poor) to 5 stars (excellent).

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