{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0001336706","name":"NORTHPOINTE BANCSHARES INC","summary":"Northpointe Bancshares, Inc. is a bank holding company headquartered in Grand Rapids, Michigan, operating through its subsidiary Northpointe Bank, founded in 1999. The company provides mortgage purchase program (warehouse financing) to independent mortgage bankers nationwide, residential mortgage lending (conventional, government, non-QM, AIO first-lien HELOCs), digital deposit banking, and loan servicing. It serves clients in all 50 states via primarily digital delivery systems and loan production offices in 25 cities across 15 states.","people":[],"products":[{"name":"Mortgage Purchase Program (MPP)","type":"service","description":"Collateralized mortgage purchase facility providing warehouse financing to independent mortgage bankers nationwide for short-term loan funding before secondary market sale."},{"name":"All-in-One (AIO) Loan","type":"platform","description":"First-lien home equity line tied to a demand deposit sweep account via proprietary technology, reducing borrower interest charges."},{"name":"Digital Deposit Banking","type":"platform","description":"Automated, direct-to-customer deposit platform offering CDs, savings, money-market, and noninterest-bearing accounts with competitive rates."},{"name":"Residential Mortgage Lending","type":"service","description":"Home purchase and refinance loans via Consumer Direct and Traditional Retail channels, including conventional, government, jumbo, renovation, and non-QM products."},{"name":"Loan Servicing","type":"service","description":"In-house servicing of specialized loans (AIO) and private-label outsourcing of non-specialized mortgage servicing to a sub-servicer."},{"name":"Lock & Shop","type":"service","description":"Mortgage product feature allowing borrowers to lock a rate while shopping for a home."},{"name":"TrueApproval","type":"service","description":"Proprietary mortgage pre-approval product offering borrowers enhanced certainty in the home-buying process."}],"partnerships":[{"partner_name":"Fannie Mae (FNMA)","partnership_type":"strategic","description":"Approved direct seller/servicer for conforming mortgage loans sold into secondary market.","start_date":null},{"partner_name":"Freddie Mac (FHLMC)","partnership_type":"strategic","description":"Approved direct seller/servicer for conforming mortgage loans sold into secondary market.","start_date":null},{"partner_name":"Ginnie Mae","partnership_type":"strategic","description":"Approved seller/servicer for government mortgage loans securitized through Ginnie Mae.","start_date":null},{"partner_name":"Federal Home Loan Bank (FHLB)","partnership_type":"strategic","description":"Approved seller/servicer relationship supporting mortgage operations and funding.","start_date":null},{"partner_name":"Fitch","partnership_type":"strategic","description":"Third-party rating agency providing qualified servicer rating for investor-owned securitizations and non-agency products.","start_date":null}],"affiliations":[],"origin":{"leaf":"d9c12d2dd53edd001b29b788f5a35c4dc9cd0bcff7eb091ad7a38e1cda3f9ab9","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"d18613af713a496b2d83ba15e51997705c5cb6dc5fece7e7226c572c4ff41e54","parent":"ce93386829b52f514d32f9fb5ac1c37a41f04b0f0f15a39b778a598bcc6a4a07","source":"0001336706-26-000020","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). 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