We analyzed every closed loan from Origin Bank — 798 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Multi-Region · 8 mkts
Awards
VA
Champion
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
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Report Card
Origin Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+32.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 513 | 64.3% | +0.346%Above | $1,085Fees | ||||
FHA Loans | 169 | 21.2% | +0.451%Above | $1,154Fees | ||||
VA Loans | 77 | 9.6% | -0.468%Below | $385Fees | ||||
Jumbo Loans | — | 17 | 2.1% | +0.715%Above | $1,352Fees | |||
USDA Loans | — | 22 | 2.8% | +0.222%Above | $1,044Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume513
Mix64.3%
Spread
+0.346%Above
Fees
$1,085Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume169
Mix21.2%
Spread
+0.451%Above
Fees
$1,154Fees
VA Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughExceptional
Volume77
Mix9.6%
Spread
-0.468%Below
Fees
$385Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume17
Mix2.1%
Spread
+0.715%Above
Fees
$1,352Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume22
Mix2.8%
Spread
+0.222%Above
Fees
$1,044Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 710 | 89.0% | +0.328%Above | $1,014Fees | ||||
Refinance | 88 | 11.0% | +0.339%Above | $1,476Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume710
Mix89.0%
Spread
+0.328%Above
Fees
$1,014Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume88
Mix11.0%
Spread
+0.339%Above
Fees
$1,476Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
798
Applications
1,147
Volume
$230 million
Pricing & Closing
Avg Rate Spread
+0.329%
vs. market APOR
Avg Net Fees
$1,067
Origination − Credits
Pullthrough Rate
69.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$288,296
Avg Borrower Income
$169,015
Avg Property Value
$370,038
Geographic Coverage
Geographic Performance
Metro Areas
8
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
13Midwest1
MO
South9
ALARFLGALAMSOKSCTX
West3
CACONM
Top Metro Areas by Place Specialization Score
Volume 176Mix 22.06% of portfolio
100/100
Exceptional
Volume 105Mix 13.16% of portfolio
85/100
Exceptional
Volume 106Mix 13.28% of portfolio
76/100
Strong
Volume 132Mix 16.54% of portfolio
69/100
Strong
Volume 23Mix 2.88% of portfolio
58/100
Sound
6© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 30Mix 3.76% of portfolio
54/100
Sound
Volume 40Mix 5.01% of portfolio
54/100
Sound
Volume 12Mix 1.50% of portfolio
46/100
SoundTop States by Place Specialization Score
1
LouisianaState
Volume 387Mix 48.50% of portfolio
81/100
Exceptional2
MississippiState
Volume 130Mix 16.29% of portfolio
71/100
Strong3
TexasState
Volume 261Mix 32.71% of portfolio
69/100
StrongHow 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.