# OPTIONWIDE FINANCIAL CORPORATION

> **Canonical URL:** https://saferate.com/lenders/optionwide-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


OPTIONWIDE FINANCIAL CORPORATION is a independent mortgage company, headquartered in CAMDEN, DE, serving borrowers across 13 states, with 67 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 94% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 78% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 2549007LQQOUAPFNHY39
- **Headquarters:** CAMDEN, DE
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AZ, CA, CO, DC, FL, GA, NC, OK, OR, SC, TN, TX, WA
- **Markets (MSAs):** 1
- **Primary Channel:** wholesale
- **Direct Origination:** 11.8%
- **Brokered/Wholesale:** 88.2%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 6/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.796%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $6,362
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 67
- **Dollar Volume:** $44 million
- **Applications Received:** 195
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $661,866
- **Average Borrower Income:** $657,269
- **Average Property Value:** $942,164

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 21/100 | 54 | +0.802% | $6,277 | Acceptable 🙂 |
| Jumbo | 42/100 | 13 | +0.675% | $8,150 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 44 loans, Score: 23/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 25/100 | 56 | $39M | +0.715% | Acceptable 🙂 |
| Refinance | 21/100 | 11 | $6M | +1.162% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 34 | 0.01% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 14 | 50/100 |

## Frequently Asked Questions

### What loan types does OPTIONWIDE FINANCIAL CORPORATION offer?

OPTIONWIDE FINANCIAL CORPORATION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does OPTIONWIDE FINANCIAL CORPORATION offer mortgages?

OPTIONWIDE FINANCIAL CORPORATION offers mortgages in 13 states: AZ, CA, CO, DC, FL, GA, NC, OK, OR, SC, TN, TX, WA.

### How competitive are OPTIONWIDE FINANCIAL CORPORATION's mortgage rates?

OPTIONWIDE FINANCIAL CORPORATION has a pricing score of 6/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.796% above market average.

### What type of lender is OPTIONWIDE FINANCIAL CORPORATION?

OPTIONWIDE FINANCIAL CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in CAMDEN, DE.

### What is OPTIONWIDE FINANCIAL CORPORATION's loan approval success rate?

OPTIONWIDE FINANCIAL CORPORATION has a pull-through score of 22/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/optionwide-financial

### How to Cite

> "OPTIONWIDE FINANCIAL CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/optionwide-financial

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