We analyzed every closed loan from OriginPoint — 2.6k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 37 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
OriginPoint performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+27.3 bps above market avg
2/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
1,793 loans · 0.31% above market
Strong
Top 40% of lenders
4/5
FHA
187 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
VA
146 loans · 0.48% below market
Strong
Top 40% of lenders
4/5
Jumbo
489 loans · 0.24% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,419 loans · 0.28% above market
Strong
Top 40% of lenders
4/5
Refinance
200 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 38 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 | 1,793 | 68.5% | +0.306%Above | $2,795Fees | ||||
FHA Loans | 187 | 7.1% | +0.429%Above | $2,972Fees | ||||
VA Loans | 146 | 5.6% | -0.480%Below | $1,076Fees | ||||
Jumbo Loans | 489 | 18.7% | +0.238%Above | $1,755Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,793
Mix68.5%
Spread
+0.306%Above
Fees
$2,795Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume187
Mix7.1%
Spread
+0.429%Above
Fees
$2,972Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume146
Mix5.6%
Spread
-0.480%Below
Fees
$1,076Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughSound
Volume489
Mix18.7%
Spread
+0.238%Above
Fees
$1,755Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,419 | 92.4% | +0.277%Above | $2,691Fees | ||||
Refinance | 200 | 7.6% | +0.230%Above | $1,169Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume2,419
Mix92.4%
Spread
+0.277%Above
Fees
$2,691Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughAcceptable
Volume200
Mix7.6%
Spread
+0.230%Above
Fees
$1,169Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,619
Applications
4,114
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.273%
vs. market APOR
Avg Net Fees
$2,566
Origination − Credits
Pullthrough Rate
63.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$714,580
Avg Borrower Income
$280,033
Avg Property Value
$1,016,936
Geographic Coverage
Geographic Performance
Metro Areas
37
markets with activity
States Served
34
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
34Full-year 2024 · HMDALoans originated
< 1010–2020–5050–100100+None
Northeast6
CTMANHNJPARI
Midwest8
ILINKSMIMNMOOHWI
South12
ARDCDEFLGAMDNCOKSCTNTXVA
West8
AZCACOHIIDORWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 37 metro areas
Top States by Place Specialization Score
Showing 10 of 20 states
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.