Northpointe Bancshares is a bank holding company and the largest bank headquartered in Michigan that operates two primary business segments: its Mortgage Purchase Program, which provides mortgage warehouse financing and collateralized mortgage purchase facilities to independent mortgage banking platforms nationwide, and its Retail Banking division, which includes residential lending (offering conventional, government, and specialized home equity loans through digital and traditional channels), digital deposit banking (providing competitive-rate deposit products and services), and loan servicing. The company serves mortgage originators, borrowers, and depositors across all 50 states and the District of Columbia through a digitally-enabled platform supported by a centralized operating center in Michigan and loan production offices across multiple states. The company generates revenue from mortgage purchase fees and interest spread on warehouse loans, residential mortgage origination and servicing fees, and deposit interest margins, while positioning itself as a specialty bank that differentiates through superior service, integrated technology and traditional banking expertise, and long-term customer relationships in highly competitive lending and banking markets.