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OriginPoint, LLC
Independent Mortgage Company|Wilmington, DE|Near-National
Loans Originated
2,619
Applications
4,114
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Safe Rate Awards⭐VA Superstar⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.273%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,566
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
63.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
OriginPoint, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 38 metro areas · 34 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$714,580
Average Borrower Income
$280,033
Average Property Value
$1,016,936
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Acceptable | Sound | 1,793 | 68.5% | +0.306% | $2,795 |
FHA Loans | Sound | Strong | Sound | Sound | 187 | 7.1% | +0.429% | $2,972 |
VA Loans | Strong | Strong | Strong | Strong | 146 | 5.6% | -0.480% | $1,076 |
Jumbo Loans | Strong | Exceptional | Sound | Sound | 489 | 18.7% | +0.238% | $1,755 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Sound | 2,419 | 92.4% | +0.277% | $2,691 |
Refinance | Sound | Strong | Acceptable | Acceptable | 200 | 7.6% | +0.230% | $1,169 |
Geographic Coverage
Metro Areas
37
States Served
34
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ARAZCACOCTDCDEFLGAHIIDILINKSMAMDMIMNMONCNHNJOHOKORPARISCTNTXVAWAWIWY
Top Metro Areas by Place Specialization Score
1
Seattle, WAMSA
Volume: 351Mix: 13.40%
Place Specialization
Exceptional
2
San Francisco, CAMSA
Volume: 98Mix: 3.74%
Place Specialization
Strong
3
Dallas, TXMSA
Volume: 237Mix: 9.05%
Place Specialization
Strong
4
Los Angeles, CAMSA
Volume: 215Mix: 8.21%
Place Specialization
Strong
5
San Rafael, CA, CAMSA
Volume: 41Mix: 1.57%
Place Specialization
Strong
6
Everett, WA, WAMSA
Volume: 77Mix: 2.94%
Place Specialization
Strong
7
Austin, TXMSA
Volume: 101Mix: 3.86%
Place Specialization
Strong
8
Oakland, CAMSA
Volume: 82Mix: 3.13%
Place Specialization
Strong
9
Charlotte, NC-SCMSA
Volume: 95Mix: 3.63%
Place Specialization
Strong
10
Denver, COMSA
Volume: 109Mix: 4.16%
Place Specialization
Strong
Showing 10 of 37 metro areas
Top States by Place Specialization Score
1
WAState
Volume: 551Mix: 21.04%
Place Specialization
Exceptional
2
CAState
Volume: 754Mix: 28.79%
Place Specialization
Strong
3
TXState
Volume: 514Mix: 19.63%
Place Specialization
Strong
4
COState
Volume: 168Mix: 6.41%
Place Specialization
Strong
5
DCState
Volume: 45Mix: 1.72%
Place Specialization
Strong
6
NCState
Volume: 131Mix: 5.00%
Place Specialization
Sound
7
ILState
Volume: 93Mix: 3.55%
Place Specialization
Sound
8
MDState
Volume: 49Mix: 1.87%
Place Specialization
Sound
9
VAState
Volume: 40Mix: 1.53%
Place Specialization
Sound
10
MAState
Volume: 31Mix: 1.18%
Place Specialization
Sound
Showing 10 of 20 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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