Northpointe Bancshares is a Michigan-based bank holding company that operates as a specialty mortgage-focused bank, serving customers nationwide through a primarily digital model supported by loan production offices in 25 cities across 15 states. Northpointe's core business runs through two segments. The Mortgage Purchase Program (MPP) is the primary growth engine — Northpointe provides financing to independent mortgage bankers through a collateralized purchase facility structure (as opposed to a traditional warehouse credit line), allowing those clients to fund and close mortgage loans that are then sold into the secondary market, typically within 30 days. MPP represented 54% of total loans at year-end 2025. The Retail Banking segment includes residential mortgage origination (roughly $2.5B originated in 2025, with ~87% sold into the secondary market), digital deposit gathering via a direct-to-consumer online platform, and in-house loan servicing focused on its proprietary "All-in-One" (AIO) loan — a first-lien home equity line linked to a checking sweep account that reduces interest charges daily. Northpointe earns revenue through net interest income on MPP and AIO loans, gain-on-sale margins from residential mortgage production, and growing fee income from MPP facility fees and loan servicing. A key strategic priority is reducing dependence on wholesale funding (~65% of funding at year-end 2025) by growing non-brokered deposits through custodial deposit relationships and digital deposit partnerships.