Lender in Florida · HMDA 2025
Northpointe Bank mortgages in Florida
Northpointe Bank's 2025 home-purchase and refinance lending in Florida, compared with all lenders in the state.
Northpointe Bank originated 263 owner-occupied single-family loans in Florida from 294 completed applications.
Its median conventional purchase loan costs were $7,180 versus $6,760 for all Florida lenders, at a median 30-year fixed rate of 6.875% (Florida: 6.625%).
Loans in FL
263
of 294 applications
Denial rate
9.9%
Purchase · FL 12.8%
Rate spread
+0.43 pts
Conv. · FL +0.14 pts
Loan amount
$375,000
Purchase · FL $345,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 232 | 208 | 9.9% | 6.875% | +0.43 pts | $7,180 | $375,000 |
| Refinance | 24 | 20 | 16.7% | — | — | — | $415,000 |
| Cash-out refinance | 38 | 35 | 7.9% | 7.250% | +0.58 pts | $6,730 | $425,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology