Applications / Mortgage Analytics / Lenders / New York / Orchard Mortgage
New York, NY · Non-bank or government lender · CFPB · 300 loans in 2025
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300
loans originated, 2025
558
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Orchard Mortgage, a New York lender to homebuyers that first reported in 2022, raised its loans by 28% in 2025, much faster than similar lenders.
It reported 63 loans in 2022, 203 in 2023, 234 in 2024 and 300 in 2025. Last year's rise of 28% compares with 6% for similar lenders, meaning non-bank or government lenders making between half and twice as many loans, and 10% for the whole market. That is faster than about three-quarters of its peers.
It lends in 24 states and 53 metros, with Texas its main state. Its largest markets are Dallas, Houston, Denver, Atlanta and Austin, and in 2025 it entered Phoenix, Charlotte and Baltimore. Where its share of a market is given, it rounds to 0.0%: it is a small player in each of its largest markets.
Purchases were 89.0% of its loans and 99.7% were conventional. It made no jumbo loans, and its typical loan, $325,000, was below the $365,000 at the typical peer. Its typical rate, 6.62%, was a little under peers' 6.75%, and its share of higher-priced loans (a rate well above the average for similar loans), 1.7%, was near the middle.
Its share of loans in majority-minority neighborhoods rose from 21.8% to 31.7%, close to the 33.0% at peers. The share of its borrowers with low or moderate incomes rose from 19.2% to 24.0%, near the middle of similar lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Orchard Mortgage took 558 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.0% · Refinance 11.0%
Conventional 99.7% · VA 0.3% · of 300 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 174 | 58.0% |
| Colorado | 43 | 14.3% |
| Georgia | 30 | 10.0% |
| Arizona | 7 | 2.3% |
| Tennessee | 7 | 2.3% |
| Florida | 5 | 1.7% |
| California | 3 | 1.0% |
| Kentucky | 3 | 1.0% |
| Minnesota | 3 | 1.0% |
| North Carolina | 3 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 49 |
| Houston-Pasadena-The Woodlands | 44 |
| Denver-Aurora-Centennial | 36 |
| Fort Worth-Arlington-Grapevine | 25 |
| Austin-Round Rock-San Marcos | 24 |
| San Antonio-New Braunfels | 21 |
| Atlanta-Sandy Springs-Roswell | 18 |
| Marietta | 9 |
| Phoenix-Mesa-Chandler | 6 |
| Boulder | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SQRR7T3EUSDD87 | 2022–2025 |
Established 25 September 2020. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Orchard Mortgage's data.
Orchard Mortgage's data
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