The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods. Under the CRA, the following information must be maintained in a public file, current as of April 1 of each year.
All public comments and responses related to Northpointe Bank’s performance in meeting community credit needs received for the current year and each of the prior two calendar years.
The branch address and census tract: Northpointe Bank, 3333 Deposit Drive NE, Grand Rapids, MI 49546 and Census Tract 118.03.
Identification of addresses and census tracts for branches opened or closed by Northpointe Bank during the current year and each of the prior two calendar years. No branches have been opened or closed.
A map of the assessment area showing the boundaries of the area and individual census tract list. Northpointe Bank has been approved to be evaluated under a strategic plan through December 31, 2026. As stated in the strategic plan, the Bank’s CRA Assessment Area is Kent County, Michigan.
A CRA Disclosure Statement. The CRA Disclosure Statement is not applicable to the Bank.
A Home Mortgage Disclosure Act (HMDA) Notice. Northpointe Bank’s HMDA Disclosure Statement may be obtained from the Consumer Financial Protection Bureau at www.consumerfinance.gov/hmda.
Northpointe Bank can provide digital or hard copies of the CRA Public File. Please note that if a hard copy is requested, a fee to cover copying and mailing expenses may be assessed. Requests or comments may be sent to: CRApublicfilerequest@northpointe.com
Comments and Responses
Northpointe Bank has not received any written comments from the public specifically relating to the Bank's performance in meeting community credit needs during this calendar year or in the preceding two calendar years.