# OriginPoint, LLC

> **Canonical URL:** https://saferate.com/lenders/originpoint


> **📋 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


OriginPoint, LLC is a independent mortgage company, headquartered in Wilmington, DE, serving borrowers across 34 states, with 2,619 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 69% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300G4ESSS6M0MEG51
- **Headquarters:** Wilmington, DE
- **Geographic Reach:** Near-National
- **States Served:** 34
- **State List:** AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, MA, MD, MI, MN, MO, NC, NH, NJ, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WI, WY
- **Markets (MSAs):** 38
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.273%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,566
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,619
- **Dollar Volume:** $1.9 billion
- **Applications Received:** 4,114
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $714,580
- **Average Borrower Income:** $280,033
- **Average Property Value:** $1,016,936

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Jumbo Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 1,793 | +0.306% | $2,795 | Strong 😀 |
| FHA | 69/100 | 187 | +0.429% | $2,972 | Strong 😀 |
| VA | 74/100 | 146 | -0.480% | $1,076 | Strong 😀 |
| Jumbo | 88/100 | 489 | +0.238% | $1,755 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,659 loans, Score: 72/100 (Strong)
- Refinance: 134 loans, Score: 59/100 (Sound)

**FHA:**
- Purchase: 178 loans, Score: 69/100 (Strong)

**VA:**
- Purchase: 144 loans, Score: 74/100 (Strong)

**Jumbo:**
- Purchase: 434 loans, Score: 88/100 (Exceptional)
- Refinance: 55 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 75/100 | 2,419 | $1.7B | +0.277% | Strong 😀 |
| Refinance | 61/100 | 200 | $165M | +0.230% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 754 | 0.26% | 75/100 |
| WA | 551 | 0.65% | 83/100 |
| TX | 514 | 0.15% | 73/100 |
| CO | 168 | 0.20% | 66/100 |
| NC | 131 | 0.09% | 60/100 |
| IL | 93 | 0.07% | 59/100 |
| MD | 49 | 0.07% | 53/100 |
| DC | 45 | 0.79% | 62/100 |
| VA | 40 | 0.04% | 50/100 |
| FL | 36 | 0.01% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Seattle | WA | 351 | 84/100 |
| Dallas | TX | 237 | 73/100 |
| Los Angeles | CA | 215 | 73/100 |
| Non |  | 121 | 49/100 |
| Denver | CO | 109 | 64/100 |
| Austin | TX | 101 | 67/100 |
| San Francisco | CA | 98 | 74/100 |
| Charlotte | NC-SC | 95 | 65/100 |
| Oakland | CA | 82 | 66/100 |
| Everett, WA | WA | 77 | 70/100 |
| Chicago | IL | 76 | 58/100 |
| San Jose | CA | 66 | 64/100 |
| Houston | TX | 62 | 56/100 |
| Fort Worth | TX | 61 | 60/100 |
| San Diego | CA | 60 | 59/100 |

## Where This Lender Ranks

OriginPoint, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Washington, DC for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥉 **#3** in Washington DC for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#5** in Seattle for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in San Rafael, CA for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-rafael-ca/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#6** in Seattle for VA Loans
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/va-loans)
- 🏆 **#6** in San Francisco for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#6** in Bremerton for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#7** in Washington for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in San Rafael, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-rafael-ca/best-mortgage-lenders/mortgage-companies)
- 🏆 **#7** in Santa Rosa for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-rosa/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#8** in Seattle for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/seattle/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#8** in Boulder, CO for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/boulder-co/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#9** in San Jose for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in Washington for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-state/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in Los Angeles for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in Everett, WA for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/everett-wa/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#10** in Tacoma for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tacoma/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#10** in San Rafael, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-rafael-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Bremerton for Jumbo Loans
  - [View Full Rankings](https://saferate.com/bremerton/best-mortgage-lenders/jumbo-loans)
- 🏆 **#11** in Los Angeles for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does OriginPoint, LLC offer?

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

### Where does OriginPoint, LLC offer mortgages?

OriginPoint, LLC offers mortgages in 34 states: AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, MA, MD, MI, MN, MO, NC, NH, NJ, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WI, WY.

### How competitive are OriginPoint, LLC's mortgage rates?

OriginPoint, LLC has a pricing score of 31/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.273% above market average.

### What type of lender is OriginPoint, LLC?

OriginPoint, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Wilmington, DE.

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

OriginPoint, LLC has a pull-through score of 53/100 (Sound). 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/originpoint

### How to Cite

> "OriginPoint, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/originpoint

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