# Orchard Mortgage, LLC

> **Canonical URL:** https://saferate.com/lenders/orchard-mortgage


> **📋 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


Orchard Mortgage, LLC is a independent mortgage company, headquartered in WILMINGTON, DE, serving borrowers across 20 states, with 234 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 66% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300SQRR7T3EUSDD87
- **Headquarters:** WILMINGTON, DE
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** AR, AZ, CA, CO, FL, GA, ID, IL, KS, LA, MI, NC, NM, OH, OK, OR, PA, TN, TX, WA
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.251%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,411
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 234
- **Dollar Volume:** $87 million
- **Applications Received:** 453
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $370,897
- **Average Borrower Income:** $159,756
- **Average Property Value:** $541,410

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 39/100 | 232 | +0.248% | $2,413 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 209 loans, Score: 41/100 (Sound)
- Refinance: 23 loans, Score: 32/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 211 | $78M | +0.275% | Acceptable 🙂 |
| Refinance | 28/100 | 23 | $9M | +0.044% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 129 | 0.04% | 65/100 |
| CO | 43 | 0.05% | 57/100 |
| GA | 22 | 0.02% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 38 | 57/100 |
| Dallas | TX | 35 | 56/100 |
| Denver | CO | 30 | 55/100 |
| Austin | TX | 21 | 53/100 |
| Non |  | 16 | 28/100 |
| Atlanta | GA | 13 | 44/100 |
| Fort Worth | TX | 13 | 46/100 |
| San Antonio | TX | 11 | 43/100 |

## Frequently Asked Questions

### What loan types does Orchard Mortgage, LLC offer?

Orchard Mortgage, LLC offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Orchard Mortgage, LLC offer mortgages?

Orchard Mortgage, LLC offers mortgages in 20 states: AR, AZ, CA, CO, FL, GA, ID, IL, KS, LA, MI, NC, NM, OH, OK, OR, PA, TN, TX, WA.

### How competitive are Orchard Mortgage, LLC's mortgage rates?

Orchard Mortgage, LLC has a pricing score of 34/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.251% above market average.

### What type of lender is Orchard Mortgage, LLC?

Orchard Mortgage, LLC is a non-depository lender that specializes in mortgage origination, headquartered in WILMINGTON, DE.

### What is Orchard Mortgage, LLC's loan approval success rate?

Orchard Mortgage, LLC has a pull-through score of 29/100 (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/orchard-mortgage

### How to Cite

> "Orchard Mortgage, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/orchard-mortgage

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