Orchard Mortgage
Orchard Mortgage has 234 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Sound
3/5
Multi-Region · 7 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Pricing may be below industry average
- Pull through efficiency is below industry average
Explore another lender or local market
Report Card
Orchard Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+25.1 bps above market avg
2/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
232 loans · 0.25% above market
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
211 loans · 0.28% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
23 loans · 0.04% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 232 | 99.1% | +0.248%Above | $2,413Fees |
Conventional
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughMediocre
Volume232
Mix99.1%
Spread
+0.248%Above
Fees
$2,413Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 211 | 90.2% | +0.275%Above | $2,633Fees | ||||
Refinance | 23 | 9.8% | +0.044%Above | $457Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughMediocre
Volume211
Mix90.2%
Spread
+0.275%Above
Fees
$2,633Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingSound
Pull ThroughMediocre
Volume23
Mix9.8%
Spread
+0.044%Above
Fees
$457Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
234
Applications
453
Volume
$86 million
Pricing & Closing
Avg Rate Spread
+0.251%
vs. market APOR
Avg Net Fees
$2,411
Origination − Credits
Pullthrough Rate
51.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$370,897
Avg Borrower Income
$159,756
Avg Property Value
$541,410
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
20Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast1
PA
Midwest4
ILKSMIOH
South8
ARFLGALANCOKTNTX
West7
AZCACOIDNMORWA
Top Metro Areas by Place Specialization Score
5© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 13Mix 5.56% of portfolio
46/100
Sound
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.