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We analyzed every closed loan from Originpoint — 2.6k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Sound
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Sound
Near-National · 37 mkts
Safe Rate Awards⭐VA Superstar⭐Jumbo Superstar
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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
Explore another lender or local market
Report Card
OriginPoint, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +27.3 bps above market avg | |
Pull Through Closing strength | Industry Standard Top 60% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National38 markets | |
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 |
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 |
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
States Served
34
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ARAZCACOCTDCDEFLGAHIIDILINKSMAMDMIMNMONCNHNJOHOKORPARISCTNTXVAWAWIWY
Top Metro Areas by Place Specialization Score
1
Seattle, WAMSA
Volume: 351Mix: 13.40%of portfolio
Place
Exceptional2
San Francisco, CAMSA
Volume: 98Mix: 3.74%of portfolio
Place
Strong3
Dallas, TXMSA
Volume: 237Mix: 9.05%of portfolio
Place
Strong4
Los Angeles, CAMSA
Volume: 215Mix: 8.21%of portfolio
Place
Strong5
San Rafael, CA, CAMSA
Volume: 41Mix: 1.57%of portfolio
Place
Strong6
Everett, WA, WAMSA
Volume: 77Mix: 2.94%of portfolio
Place
Strong7
Austin, TXMSA
Volume: 101Mix: 3.86%of portfolio
Place
Strong8
Oakland, CAMSA
Volume: 82Mix: 3.13%of portfolio
Place
Strong9
Charlotte, NC-SCMSA
Volume: 95Mix: 3.63%of portfolio
Place
Strong10
Denver, COMSA
Volume: 109Mix: 4.16%of portfolio
Place
StrongShowing 10 of 37 metro areas
Top States by Place Specialization Score
1
WAState
Volume: 551Mix: 21.04%of portfolio
Place
Exceptional2
CAState
Volume: 754Mix: 28.79%of portfolio
Place
Strong3
TXState
Volume: 514Mix: 19.63%of portfolio
Place
Strong4
COState
Volume: 168Mix: 6.41%of portfolio
Place
Strong5
DCState
Volume: 45Mix: 1.72%of portfolio
Place
Strong6
NCState
Volume: 131Mix: 5.00%of portfolio
Place
Sound7
ILState
Volume: 93Mix: 3.55%of portfolio
Place
Sound8
MDState
Volume: 49Mix: 1.87%of portfolio
Place
Sound9
VAState
Volume: 40Mix: 1.53%of portfolio
Place
Sound10
MAState
Volume: 31Mix: 1.18%of portfolio
Place
SoundShowing 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.