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Orchard Mortgage

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

Orchard Mortgage has 234 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate 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

Safe Rate 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
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Mediocre
Volume232
Mix99.1%
Spread
+0.248%Above
Fees
$2,413Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Mediocre
Volume211
Mix90.2%
Spread
+0.275%Above
Fees
$2,633Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Mediocre
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

20
20 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest4
ILKSMIOH
South8
ARFLGALANCOKTNTX
West7
AZCACOIDNMORWA

Top Metro Areas by Place Specialization Score

1© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 38Mix 16.24% of portfolio
57/100
Sound
2© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 35Mix 14.96% of portfolio
56/100
Sound
3© Quintin Soloviev · CC BY 4.0
Denver, COMetro
Volume 30Mix 12.82% of portfolio
55/100
Sound
4© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 21Mix 8.97% of portfolio
53/100
Sound
5© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 13Mix 5.56% of portfolio
46/100
Sound
6© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 13Mix 5.56% of portfolio
44/100
Sound
7© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 11Mix 4.70% of portfolio
43/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 129Mix 55.13% of portfolio
65/100
Strong
Colorado
Colorado
2
ColoradoState
Volume 43Mix 18.38% of portfolio
57/100
Sound
Georgia
Georgia
3
GeorgiaState
Volume 22Mix 9.40% of portfolio
48/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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.