Northpointe Bank Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Northpointe Bank
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - Customer complaints
How often consumers complain about this lender, and whether they get relief.
Clean5 out of 5 - Where and what they lend
How many states and loan types this lender serves.
97%5 out of 5
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
2025 ratings, across all four measures
A few more details worth knowing
Though these don't affect the star rating, we show them so you have the full picture.
For applicants age 62 and older, we measure two things: whether this lender denies them more often than its own lending patterns would predict after accounting for loan size, income, debt-to-income ratio, and loan type; and whether it lends to them at rates similar to comparable lenders. Both of those measures fell outside the expected range. Credit scores are not available in this dataset, so they are not included in the analysis. Because that variable is held constant across all lenders, it should reduce the extent to which missing credit-score data affects comparisons between them.
We looked at how often a lender's applications end up as closed loans, not counting any that were denied or the applicant withdrew. At this lender, 90% to 95% did, which might mean some quoted terms changed before closing, some applicants stepped away, or both.
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What Bankrate's editors think
Northpointe Bank’s product lineup rewards buyers who need flexibility: a 90-day rate lock available with a refundable deposit, a temporary buydown option, financing for land and rural acreage and a community lending program that lets qualifying buyers put nothing down. A fully underwritten preapproval is also available, which can carry more weight with sellers than a typical prequalification letter.
Northpointe earned a 5-star Bankrate Rating but only a 3-star Overall Rating — meaning the bids it places in Bankrate’s auction are priced considerably more aggressively than its broader business. About 53% of its mortgages were priced below comparable loans in 2025, roughly a coin flip, and its added costs over eight years are lower than those of no more than about 40% of the comparable lenders we rate. It has no origination-related CFPB complaints in 2025, and its 40-state reach is broad among the lenders we cover.
At a glance
Good for borrowers who want an established, full-service bank with a broad loan menu and no origination-related CFPB complaints in 2025. Not a good fit if minimizing long-term added costs is your top priority.
What consumers say
Refinance with Matt at Northpointe
I highly recommend Matt at Northpointe Bank. From the beginning of my refinance, Matt was prompt and attentive, making the complex process feel easy. He was a very helpful and knowledgeable loan officer. Not only was the service great, but Northpointe Bank came through with the best rate for my loan. If you're looking to refinance, call Matt!
Shelor . · MA
Easy refinance
We worked with Matt to refinance our home loan, and the experience was fantastic from start to finish. Matt was knowledgeable, responsive, and made the whole process smooth and stress-free. He took the time to explain all our options clearly and helped us lock in a great rate. We’re now saving $500 a month on our mortgage! I’d absolutely recommend Matt to anyone looking to refinance or buy a home.
Victoria L. · Wake Forest, NC
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Figures are drawn from public lending and complaint data and weighted by loan volume.
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