We analyzed every closed loan from OriginPoint — 2.6k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 37 mkts
Awards
FHA
Superstar
VA
Superstar
Jumbo
Superstar
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
Explore another lender or local market
Report Card
OriginPoint performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+27.3 bps above market avg
Pull Through
Closing strength
Sound
Top 60% 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
Exceptional
Top 20% 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
Near-National · 38 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,793 | 68.5% | +0.306%Above | $2,795Fees | ||||
FHA Loans | 187 | 7.1% | +0.429%Above | $2,972Fees | ||||
VA Loans | 146 | 5.6% | -0.480%Below | $1,076Fees | ||||
Jumbo Loans | 489 | 18.7% | +0.238%Above | $1,755Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume1,793
Mix68.5%
Spread
+0.306%Above
Fees
$2,795Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume187
Mix7.1%
Spread
+0.429%Above
Fees
$2,972Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume146
Mix5.6%
Spread
-0.480%Below
Fees
$1,076Fees
Jumbo Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughSound
Volume489
Mix18.7%
Spread
+0.238%Above
Fees
$1,755Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,419 | 92.4% | +0.277%Above | $2,691Fees | ||||
Refinance | 200 | 7.6% | +0.230%Above | $1,169Fees |
Purchase
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume2,419
Mix92.4%
Spread
+0.277%Above
Fees
$2,691Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughAcceptable
Volume200
Mix7.6%
Spread
+0.230%Above
Fees
$1,169Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,619
Applications
4,114
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.273%
vs. market APOR
Avg Net Fees
$2,566
Origination − Credits
Pullthrough Rate
63.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$714,580
Avg Borrower Income
$280,033
Avg Property Value
$1,016,936
Geographic Coverage
Geographic Performance
Metro Areas
37
markets with activity
States Served
34
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
34Northeast6
CTMANHNJPARI
Midwest8
ILINKSMIMNMOOHWI
South12
ARDCDEFLGAMDNCOKSCTNTXVA
West8
AZCACOHIIDORWAWY
Top Metro Areas by Place Specialization Score
Volume 351Mix 13.40% of portfolio
84/100
Exceptional
Volume 98Mix 3.74% of portfolio
74/100
Strong
Volume 237Mix 9.05% of portfolio
73/100
Strong
Volume 215Mix 8.21% of portfolio
73/100
Strong
Volume 41Mix 1.57% of portfolio
72/100
Strong
Volume 77Mix 2.94% of portfolio
70/100
Strong
Volume 101Mix 3.86% of portfolio
67/100
Strong
Volume 82Mix 3.13% of portfolio
66/100
Strong
Volume 95Mix 3.63% of portfolio
65/100
Strong
Volume 109Mix 4.16% of portfolio
64/100
StrongShowing 10 of 37 metro areas
Top States by Place Specialization Score
1
WashingtonState
Volume 551Mix 21.04% of portfolio
83/100
Exceptional2
CaliforniaState
Volume 754Mix 28.79% of portfolio
75/100
Strong3
TexasState
Volume 514Mix 19.63% of portfolio
73/100
Strong4
ColoradoState
Volume 168Mix 6.41% of portfolio
66/100
Strong5
Washington, DCState
Volume 45Mix 1.72% of portfolio
62/100
Strong6
North CarolinaState
Volume 131Mix 5.00% of portfolio
60/100
Sound7
IllinoisState
Volume 93Mix 3.55% of portfolio
59/100
Sound8
MarylandState
Volume 49Mix 1.87% of portfolio
53/100
Sound9
VirginiaState
Volume 40Mix 1.53% of portfolio
50/100
Sound10
MassachusettsState
Volume 31Mix 1.18% of portfolio
48/100
SoundShowing 10 of 20 states
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.
Looking for a different lender?
Are you the owner of OriginPoint?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.