I am extremely surprised by the amount of work Ellen and her associate Ashlee were willing to do on our account. I am experienced with mortgages loans to a degree that I know what I need to qualify, and that I did have what was needed in my profile to qualify. I have been trying for almost 3 years and extremely hard since February 2020. By March 2020 all factors were aligned to qualify for a loan but I could not find a loan officer that would take my file seriously. They refused to have an actual conversation and engage with me just stating I was wrong and I did not qualify. I had realtors and mortgage brokers completely ignoring my communications. When I met Ellen though a mutual relation, Ellen took the time to listen and look at my file, I explained to her I know my case would not be easy, but I know I met the qualifications to purchase a home. Ellen and her associate Ashlee asked for all the needed documents to look over and see if they could pre-qualify me and my wife. After a few days I received a call form Ellen where she explained she had great news, she said she was impressed with how much I seamed to know on this topic, and they yes I did and would qualify to purchase a home, she was saddened and upset to know that other mortgage brokers would not help my family simply because they wanted an easy case and did not want to work for their client. Ellen reinforced with me it would be a hard process, but if I would stick with her she would stick with me, and she guaranteed that we would get my family in a home. We went through 16 home offers or attempted offers from August until we finally closed and Ellen stuck with us through every hiccup, offer loss, hard spot, and confusion and helped secure my family a home we needed very much. For my family it was not just an investment, this is our new home, we have been in medical housing for over 3.5 years because my wife is terminal, this offers us a home again, a place to have our family dog back with us, a place to heal and see through treatments in a place that is ours again and that we can feel comfortable. This will help my family heal in many ways and help regenerate some energy lost over these last many years. I really appreciate Ellen and Ashlee taking on this process with us and fighting along side my family to get this home purchased so my family can have peace again. Ellen chose to work, and work very hard to get this deal finished, and she did not back down because it was not an easy open shut case like the majority of mortgage brokers we have talked to here in Denver. I am very thankful for her and Ashlee. Today February 19, 2021 I can say my family has a home again! read more

Make payments they keep claiming didn't recieve even after being shown proof from bank. Illegally charging huge late fees and ruining our credit. After months of trying to get things straightened out had to seek legal help. Discussed. Very unprofessional read more

Kim Gierescher was my loan advisor and the experience started out well: she was nice and related well to me on the phone and email. It quickly went downhill from there. She couldn't find the correct interest rate for my loan. Understandable because it was called "off sheet" pricing for a specialty loan. But after 7 days, I still didn't have my loan estimate with loan costs or rate. Day 12, I got it and it seemed ok (albeit late) but the worst was yet to come...day before closing, her loan assistant for her team, called me and the rate had changed: it was 3.75 HIGHER than quoted 7.35 with zero points. Yes, 11.1 percent, lol. That in fairness was the rate for $1500 of waived fees and no points. But still, horrendous. Then, 5 that afternoon I got a call saying I no longer qualified for that loan!! My house deal fell through and I already gave up my apartment. Deposits to builder totalled $22,500.00 and that vanished because all earnest deposits non refundable after 10 days. This is pending in Kent County civil court as an active open case. Im hoping this fraudulent bank is held accountable! read more

Terrible customer service. I was transferred to multiple departments and then disconnected. Never was able to have a rep help me with basic questions of my loan. read more

Terrible customer service! They will have an excuse whenever you call and point fingers at a different department. My husband has tried adding me to the account for two weeks! We filled out and notarized the documents they sent us, and still no one seems to have an answer. Our All in one loan deposits sit out in limbo land for days before they post to our account and I have to call in to make that happen. I've honestly never had such terrible customer service, they could give two cents about helping you, they are incompitent at best. I've heard three times now that I will get a call back, and still nothing. We can't wait to get this loan paid off because we will NEVER use this bank again! You can clearly see by all the negative comments they could care less about your business., easy fix, just don't do business with them. The BBB has numerous complaints as well, and their responses are always the same for every single complaint. read more

this company has been a total nightmare to deal with. They are very impossible to do business with because of their lack of training in the mortgage industry. I do not recommend them and are trying to go to another company. read more

Quite frankly, I'm shocked by all the positive reviews. That's not been our experience. First, please understand that I usually leave positive reviews for companies since so many people complain. However, with Northpointe, I feel an obligation to warn potential customers. In the fall of 2023, we opened an All-in-One loan, which is like a HELOC product. They worked hard to get us qualified, but once it was open, and we began using it for a flip home investment, things went downhill. For instance, I called for a payoff amount after we sold the home. When the rep gave me the amount, I verbally checked by stating, "So, if we pay this amount, this will cover all interest up to today, the account will be at a zero balance, and we won't owe any interest?" He said, "That's correct, as long as you pay that amount today." I checked once more just to be sure, and I received the same response. I paid the amount he gave me hours before the "deadline." Then, when I got the statement, we were charged interest when there was a zero balance. When my wife and I spoke with Northpointe reps, we were told by two different reps--in a very patronizing tone--that we just didn't understand how loans work. Wow...just wow. My wife is a CPA and I have dealt with finances for quite some time. We're both completely out of debt, so we understand loan products and how interest affects balances. I've never heard of a loan with a zero balance drawing interest. Many months later, while maintaining a zero balance on the All-in-One loan, I noticed a .18 cent interest fee. I called, and the rep said it was due to the $60 annual fee for the loan. I let her know that we paid the $60 on the same day it was posted. She said she couldn't figure out why the charge was there and someone would have to get back with me. That also happened with the first issue. While "hate" is a very strong word I don't normally use, my wife and I hate this company. Some reps are rude, some don't understand how their products or systems work, and I wish we hadn't spent the few thousand to get this loan generated. We are going to close this account asap as it's just not worth dealing with the ineptitude and rude attitudes we've experienced. Some other issues have been very long phone hold wait times with them eventually hanging up, forcing me to call back, and get in line again. When I've selected the option to hold my spot in line and get a call back, I don't get that call returned. Several times that we've called to resolve an issue, the rep gets flustered and then says someone from another department who better understands the issue will call back later; however, we didn't get a return call. Be warned, do your research, and make sure to read the other negative reviews before you partner with Northpointe. read more

Jeremy Glick did terrible job. Paid for $700 Appraisal when he never finished through with the loan. He got my place confused as a duplex when it was condo. Terrible read more

Do not use this bank. They do not support their customers. And have no customer service ethos. I have never seen anything quite like it. Their loan officers misrepresent facts and no one is focused on helping their customers. read more

Northepointe has been a wonderful day to work with, and helped us through our first home purchase. They were very accommodating informative throughout the whole thing even when we ran into considerable hurdles, they were thought leaders in guiding us on what we should do next, and ultimately led us to getting our first dream home. Thank you, Northpointe. read more

Would NOT recommend at all!!! Was pre-approved for a loan, appraisal came in super low and Northpointe then refused to work with us on any loan product (wanted to do a cash out, but would have settled for a straight refi and the appraisal was good enough to do that). read more

Owning a home has always been a dream of mine. I must admit starting the process really made me nervous. Then a fellow coworker told me about the phenomenal Lindsay Ratterman. So I decided to reach out to her to see if she could help me as well. I was blown away by her professionalism. Lindsay showed such compassion and eased my fears. She handled everything swiftly and fought hard until I closed. What more could I have asked for. Working with Lindsay was a pleasure I would definitely give her a 10/10 read more

This mortgage lender is very bad. I have mortgage with them, due to something I've missed one payment. So they called me on early may to make the current payment, but they only charge for april but don't ask for may mortgage. I thought I already make the mortgage for May. Instead, they reported to credit score reporting as late payment. Then I make payment on May 17. I would just try to refinance to get out from this problematic lender. Thank you. read more

There is a reason I do 95% of my banking with Northpointe. Customer service like the good old days in small towns. High quality service and consideration. Every day. They handle complex situations with grace and professionalism. Highly recommend. read more

Let's put it this way. I have no idea how and why this bank is still in business. They are screwing people on their escrow accounts and there is no chance to speak to anybody about it but to some low level who would answer the phone and tell you "your case has been escalated ". After months of trying I contacted Michigan consumer protection agency and this is when things started getting resolved. They understand only if you bring the big stick. read more

Very terrible experience dealing with Mark H. The refinance process almost took 2 months with many back and forth. At the end they weren't able to approve the loan due to primary residence proof, which we gave. Went to another lender and got the loan done within 3 weeks. Go through a bigger bank or direct lender/broker and save yourself the hassle and the $400 deposit that they will keep even if it is their underwriter's error. read more

Got all the way to closing day, claimed underwriter did not pre approve for conventional loan, she pre approved for FHA. Loan denied...for the beginning we jumped through hoops for "Carl", he don't know anything, gets stuff confused and completely messed up. I personally think we were locked at a lower interest rate that they didn't want to honor and found every excuse to not finance the house. 6 months wasted and a lot of money involved doing what he ask!!! read more

Difficult. I've had a partial release pending with them for two months. Loan was just transferred to another bank and no one can tell me the status - whether it was completed, whether it was transferred, whether the paperwork will be returned, or whether it was thrown out... Frustrating to deal with these folks. Would not recommend. read more

This is the worst HYSA I've had the displeasure to work with. My plan was to take advantage of the 1.5% interest rate. Opening the account was the usual process - went just fine. After my initial $1k deposit I went to transfer a sizable amount and discovered that this bank does not allow ACH transfers between banks - they can only accept wire transfers or check deposit at a limit of $10k/day. To withdrawl funds, the same process. I tried calling in to discuss with them and guess what - their phone lines were down. I had to talk via chat and ask for them to call us. I told them I was shocked at their lack of ability to handle ACH transfers and wish to close the account. Because I'm closing before 120 days - a $10 fee and now I get to wait for my $990 check. Costly mistake of time and money. read more

Getting a mortgage can be a very stressful endeavor. Michael Quin was great at moving the process along, reassuring me that everything was going well and matched another better loan program. The paperwork was easy to complete, although there was plenty of it. Overall, great service and we got the loan. read more

If you are looking into refinance your home you must contact Jeremy Glick, you will be very pleased with his services. He is very professional and extremely knowledgeable. I'm very impressed with Northpointe Bank rates and the top notch customer service. I highly recommend. read more

The worst the worst! I've been in real estate for 18 years and these clowns take the cake - Greg Smith and team literally have no idea how to close a loan - after countless delays and gaffes they forgot to ask if the buyer was single or married and the loan fell through after months and months - but the rub is they were scolding and arguing with me the entire time. I resold the property with another lender who closed in 23 days I cannot express how incompetent and arrogant Greg Smith and team and this joke of an institution DO NOT USE THEM !! Worst lending experience and I've closed thousands of transactions. read more

AWFUL. Would rate 0 if I could. Got my home loan through them in 2019. some month later they sold my loan to a loan mortgage company. this company has been the biggest scam and had basically pushed my house into foreclosure. nothing but late fees, claiming they didn't get my payments, not logging phone calls, paperwork being "messed up" when I've done it 10 times. Northpointe took my business, and SOLD IT to a sham company that is forcing me to sell my house. Go get a home loan from a bank that actually cares about you, because this one doesn't. I would recommend ANYONE over north pointe. worst experience I have ever had, hands down. read more

Corbin was excellent throughout the entire process. I was referred by another friend who is also an investor and was frankly blown away at his ability to simplify a complicated process. He is an excellent and thorough communicator who did an excellent job staying on top of all of the details despite being in a different time zone and I can only assume...busy. Thank you to Corbin and the entire team at Northpointe! read more

We just did a home purchase with Northpoint, and I can only say good things about the process, I was prepared for something completely different and difficult, but the loan officer (Beth and Nichole) were amazing making our whole experience a very pleasant one, I look forward to use them again if the occasion arises. Highly recommended. read more

Stay away! This bank is one of the most difficult banks I've ever dealt with. While they have very aggressive interest rates, their website is difficult to use and is prone to mistakes. I do not recommend making payments online! If you do make a payment you need to supply the ABA and Account number each time (they don't store it). A payment I thought I had made on the 27th, never completed (not sure what happened, and they can't tell me but they are happy to blame me for it). They didn't contact me until the 1st, at which point it was already 30 days late and in spite of the fact I made the payment while they were still on the phone, they still have zero regard for the complexity and hard to use nature of their website. They do not send emails or make calls, and for people who care about their credit score this can be the kiss of death if there is an oversight. I have spoken to several people there and none of them seem to have any concern for the damage this will do the credit score I've built up over 10 years (not a single late payment in my life). read more

Terrible communication, classic bait-and-switch with the interest rate, and zero care about their customers. Sold my loan 3 weeks after we closed to another company which adds to the lack of care this branch represents. I would use literally any other place to get your loan funded. 0/5 read more

I would NEVER recommend this bank for a mortgage. Things started off bad but we continued. They gave me a total then changed it without adequate explanation. The locked-in rate went up. After closing, the escrow company called to say Northpointe insisted the amount was wrong and they demanded more money. Now after our construction is finished, they tell me I must requalify for the loan. That's not what I was told in the beginning. Lots of wasted time. They also said I have to pay my insurance premium for the year (prepaid) plus pay the premium every month in escrow. They continue to tell me that isn't double paying. What would you call it? If someone recommends this lender, as my builder did, look elsewhere. My builder tells me they would never recommend them again. I wish I knew someone at this company to discuss these problems since I'm stuck with this mortgage for a few years. read more

Worst Mortgage Experience Ever! As a real estate investor, I have gone through the mortgage over 2 dozen times. I chose Northpointe after a recommendation and the mortgage officer provided better rates than another bank I was working with. The processor gave me incorrect information about how/where closing funds could come from, luckily I verified before I liquidated those accounts. She would not answer telephone calls or return phone calls. Only communication was via email and text. I was given a final CD 4 times only to be asked for additional documents after we were told we had final approval. The day before scheduled closing, they verified my wifes employment. We had been working with them for over 60 days as we had an extended closing timeframe. They requested "one" more document 3 times in the last 3 days. The house we were purchasing was in another state and we were doing an in person closing. The day before closing, we wired $121,000 in closing funds. On our 6 hour drive the day of closing, I received a call they couldn't close the loan because my wifes credit score had dropped 2 points (718/720) below the threshold - which they knew 2 weeks prior and never said was a problem. I called the other bank I was working with and they were able to close the loan in 8 days! Do Not Use Northe Pointe Bank read more

This is the worse bank I have ever felt with Dan M is a complete rude liar! Diane H is just incompetent she ran my wife's date wrong and now has our credit froze so we can buy our new home now. And yes we confirmed this with equifax. Run far run fast and just use your local credit union! read more

The agent restarted my loan process without asking. I lost the good interest rate. She avoided contact for nearly a month after saying she would fix this. I feel she ghosted me because she couldn't. I had to shake a lot of trees to get the agent to start reading email and returning calls. When she finally reached out she claimed she had fixed things - and at a better interest rate. When I got the papers to sign the interest rates and closing costs were MUCH higher, even though had I signed & completed the original paperwork for the loan they had agreed on. I was taking this loan out for family medical needs. Not only did the agent switch the loan terms, but this loan was supposed to be completed over a week ago. My rate lock has expired now, and I should never have turned down offers from more reliable & trustworthy agents. Do yourself a favor and go with someone else. read more

After 6 years with this bank who held my mortgage, they sold the mortgage (paid on the due date every month) but did not pay the property taxes that were due prior to selling the mortgage. I just recently learned while gathering my documents for filing my taxes, that my property taxes were not paid. This happens when they don't care. I was charged penalties for unpaid taxes. I have never had this happen before. Shame on Northpointe for dropping the ball. Would never recommend you and will be sure to let the company who handled the sale/purchase of our home know. read more

Went the extra mile for me, even when she was on vacation to make sure I got everything in place in a timely manner Amazing people read more

Anthony and Joesph and the whole team at Northpointe have been extremely caring, thorough, responsive, and efficient through this process. As a first time buyer, it's easy to feel taken advantage of or like no one is looking out for me - but with Northpointe I felt truly taken care of. Anytime I call, they pick up and answer questions patiently with care. They are extremely knowledgeable and I will be using them for all finance needs! read more

I have had 2 homes mortgaged and 1 refinanced through Northpointe bank and they have been phenomenal and got the best interest rates. All 3 times I worked with Jim Koops who is very transparent and detailed in his response! I already refered them to many of my friends and colleagues who have been very happy with their service! read more

I initially signed up for Northpointe Bank because I read about their Ultimate Rewards Checking, which offers 5% APR interest up to 10k as long as you have direct deposit and make 15 debt card transactions each month. The promotion ended a few days after I signed up in November 2017. They offered me the rate for about 4 months. Definitely, there are hurdles and frustrations. Obviously the 5% interest was super enticing, but after 3 months, they sent a letter that they would no longer offer that rate to their current customers and I had a month to adjust to the changes. It's now at 0.01-0.05%. Many local banks around me offer a better rate. Gosh, even Capital One! (who have great customer service) When you bank online (because I don't live in Michigan) , you definitely need patience. Pro: 1. I certainly got my 5% APR, per month for the time I did get it. I didn't put too much money into the account (because I wasn't sure if it was a scam or not), but I certainly got enough interest for a cup of coffee each month. 2. It did function well as a bank. Such as, I used direct deposit from work, was able to use my debt card at stores, check balance online. 3. It did have an app for my smartphone ---it wasn't pretty, but it worked. I don't remember if it had fingerprint unlock function, but whatever. 4. I was able to pull cash from an ATM and got reimbursed for the transaction fee at the end of the month. Con: 1. Customer service hours - It is a small bank, and customer service only operates on their local business hours. I live in CA, so it doesn't work for me, when I want to call them after work --- a slight annoyance (since it's 2 hour difference), but definitely gets annoying when you want to reach them timely. --I enjoy calling Capital one and Chase at 3 AM to reverse charges, at Northpointe, Ha! I waited 8 minutes for a bunch of "I'm sorry." 2. The debit card I received, is the worst quality I have ever gotten. I have gotten plenty of Hotel Key Cards that is thicker and better quality. Heck even, the sample credit cards from questionable creditors look better--- a slight annoyance, but it works, so whatever. 3. Obviously, having my interest rate dropped significantly is not nice. I definitely would preferred a slower phase out. Or definitely be more upfront with the conditions and sustainability of their promotions. 4. The process to closing the Account and obtaining remaining funds on Account was a hassle. I submitted the online request on March 12, 2017. I called customer service twice (about a week apart) where they told me the normal process would take 2-4 Business Days, but they were behind on the process (apparently many people are closing accounts). I use Mint to track my finances, and Mint suggested to me it wasn't able to access my account around March 26-27, 2017. I just received my remaining balance on April 2, 2017 as a check. The balance doesn't match to my last balance on Mint and I haven't used any funds since March 12. It's off by $4.92 (obviously not to my benefit), I reviewed the fee schedule, and I can't tell what fees would get me to $4.92 (tried to see if they charged me for the stamp to mail to me, but nope.) I'm not going to contact Northpointe about this because I don't think it's worth it. My last statement was not attached to the check and I can't check my statements online, because they locked my online account. ***Update*** I did get a statement, about two weeks after - I got $0.08 for interest, and charged $5 for them to mail a check to me. I think reasonably, I should have gotten my funds in 10 business days from my request of cancellation. It's not like Chase bank where I can walk up to a teller, but I understand. If I wanted my funds quicker, I could have driven to Irvine or Michigan. Looking back, I should have withdrew majority of my funds from an ATM, with a remaining balance of $10, and reallocate it, instead of having it locked up with them for like 25 days. Ultimately, I just want to write this review, so everyone who is thinking about banking with Northepointe has an idea of what they are getting themselves into. I tried online banking, and I'm not sure it's for me. Well, I'm not sure if it's Online Banking in General, or Northpointe's version of online banking. The extra interest, even if it's so enticing, doesn't seem to make sense. My advice to Northpointe is understand your target market. Maybe I am naive to believe this product was for me. I signed up because of the great interest rate offer. When you got rid of it (within months), I was enticed to look for other competitive banking offers. I definitely wished closing my account could have been quicker. I am very fortunate that I don't live paycheck to paycheck, but I could imagine there are people that would be in trouble if they did not have faster access to their funds. From the reviews, it seems like your marketing strategy and offers change often --like a little too often. read more

Northpointe Bank is NOT a bank, it is a debt collection agency that happens to also service mortgage loans. They are NOT concerned at all with customer service. Everything is automated and that is their excuse for not bothering to pick up the phone and call me when there was an escrow recalculation that necessatated a change in my monthly mortgage payment. They received every single monthly payment on the first banking day of the month for 5+ years through my banks bill pay system. When my first monthly payment after the recalculation was $57 short...BOOM they reported a default to the credit bureaus knocking my 820 credit score down to under 700. No they couldn't be bothered to check my credit score. One does not have a credit score of 820 without being financial responsible over a long period of time. But no, Northpointe Bank couldn't find the time to pick up the phone and call me or my wife when the payment was short ...due to the escrow recalculation. WATCH OUT FOR THIS "BANK" AND AVOID DOING BUSINESS WITH THEM AT ALL COSTS!! read more

TRUST ME STAY AWAY FROM NORTHPOINTE BANK!!!! They purchased my mortgage and have been overcharging me for escrow insurance since day one. My down payment was large enough that I would pay escrow insurance. Their payment portal does not let you change the amount to be paid so you're forced to pay the amount they or not pay at all. I call after Northpointe after seeing this one as my first statement. The gentlemen I spoke to said he see they're over charging and put in a request to have a supervisor call me back. This was in April and I haven't heard from them still (7/27/22). I didn't pay April's statement hoping they would give me a callback. Nope, they reported to my credit that I was 30 days late payment...!!! These people are unreal and should not be able to operate a bank. I called today and spoke to a very rude lady that placed me on hold for 20 minutes to tell me she has put in a request for a Supervisor to give me a call lol! This place is a complete joke and plan to refinance with another institution. Do not be fooled!!! When I call my bank, they take care of anything I need immediately and have supervisors standing by to help. read more

This bank is worst bank ever , son got approved for a loan months looking for home , told approved found house put money down an pulled approval at last minute , not a bank to trust or do business with sounds like they try to sell off loan before done to me after months saying go find a new house for you and your two babies , not a good bank with no explanation. read more

Terrible bank. ZERO customer care or satisfaction. PLEASE use Quicken Loans (Rocket Mortgage) They have full customer support and will work with their good paying customer base. Lost my job during Covid-19 and they were NONE SUPPORTIVE AT ALL. They are also dishonest regarding loan to value to make you pay PMI insurance. ZERO STARS IF Available. Good luck to ever end up with this mortgage group. read more