February 3, 2025

Charles A. Williams
Chief Executive Officer
Northpointe Bancshares, Inc.
3333 Deposit Drive Northeast
Grand Rapids, MI 49546

       Re: Northpointe Bancshares, Inc.
           Registration Statement on Form S-1
           Filed January 23, 2025
           File No. 333-284419
Dear Charles A. Williams:

       We have reviewed your registration statement and have the following
comments.

        Please respond to this letter by amending your registration statement
and providing
the requested information. If you do not believe a comment applies to your
facts and
circumstances or do not believe an amendment is appropriate, please tell us why
in your
response.

       After reviewing any amendment to your registration statement and the
information
you provide in response to this letter, we may have additional comments.

Registration Statement on Form S-1
Cover Page

1.     We note your response to prior comment 3. You state in your response
that you and
       the selling shareholders plan to sell shares at the same fixed price in
the initial public
       offering. Please revise the cover page to clarify that you and the
selling shareholders
       will be selling at the same fixed price.
Retail Banking, including Residential Lending and our All-in-One Loan, page 3

2.     We note your response to prior comment 6 and the revised disclosures on
pages 3 and
       88 that AIO loans require an interest-only monthly repayment. Please
revise your
       disclosure to clarify the terms of principal repayments over the
contractual maturity
       term clearly discussing how the loan is contractually required to be
paid off.
 February 3, 2025
Page 2
Positioned for Forecasted Growth within a Highly Fragmented Industry, page 6

3.     We note your response to prior comment 8. Please revise your disclosure
here and on
       page 91 to discuss that mortgage rates have recently increased and the
potential effect
       of such increases on your forecasted growth.
Principal and Selling Stockholders, page 134

4.     We note your response to prior comment 16. You stated in footnotes 2 and
5 to the
       beneficial ownership table that the natural persons who have voting
and/or dispositive
       power over the shares held by Castle Creek Capital Partners VII, LP and
Castle Creek
       Capital Partners VI, LP are their managing principals but then fail to
identify such
       managing principals. Please revise your disclosure to identify the
managing principals
       of Castle Creek Capital Partners VII, LP and Castle Creek Capital
Partners VI, LP.
Revenue Recognition, page F-8

5.     We note your response to prior comment 11 that capitalized mortgage
servicing rights
       were included in loan servicing fees in 2022 but was changed to be
included in net
       gain on sale of loans held for sale in 2023. Please revise to present
the relevant gains
       in the net gain on sale of loans held for sale in 2022 and ensure your
policy
       disclosures clearly explain how this activity is presented in your
income statement.
       Alternatively, please tell us why you do not believe this
reclassification is appropriate.
Item 16. Exhibits, page II-2

6.     You state in a footnote to the Exhibit Index that certain exhibits and
schedules to the
       Exhibits have been omitted pursuant to Item 601(a)(5) of Regulation S-K.
However,
       you do not disclose which Exhibits have omitted schedules. Please revise
the Exhibit
       Index to identify the Exhibits containing omitted schedules and ensure
that each such
       Exhibit includes a list briefly identifying the contents of all omitted
schedules.

        We remind you that the company and its management are responsible for
the accuracy
and adequacy of their disclosures, notwithstanding any review, comments, action
or absence
of action by the staff.

       Refer to Rules 460 and 461 regarding requests for acceleration. Please
allow adequate
time for us to review any amendment prior to the requested effective date of
the registration
statement.
 February 3, 2025
Page 3



       Please contact Mengyao Lu at 202-551-3471 or Michael Volley at
202-551-3437 if
you have questions regarding comments on the financial statements and related
matters. Please contact Robert Arzonetti at 202-551-8819 or Todd Schiffman at
202-551-
3491 with any other questions.



                                                        Sincerely,

                                                        Division of Corporation
Finance
                                                        Office of Finance
cc:   David Park