Orix Real Estate Capital Mortgage Rates, Fees & Info

DOVER, DE

LEI: 549300JGMQJ4R419LR70

Tax ID: 31-1712553

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Mortgage Data

Review & Overview

Orix Real Estate Capital is a mid-sized mortgage company specializing in Refi and Home Purchase loans. Orix Real Estate Capital has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Nashville, Dallas, Miami, Los Angeles, and Washington among others. We have data for 123 markets. (Some data included below & more in-depth data is available with an active subscription.)

Orix Real Estate Capital has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.27% 5/20/24
15 Year Conventional Purchase 5.68% 5/20/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Orix Real Estate Capital Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Orix Real Estate Capital. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

321

Origination Dollar Volume (All Markets)

$3,176,405,000

Relative Rate

Orix Real Estate Capital's average 30 year fixed mortgage rate was 0.07%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -6.41%.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 6 $159,460,000 $26,576,667 $0 0.06%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 11 $152,625,000 $13,875,000 $0 0.07%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 10 $133,990,000 $13,399,000 $0 0.06%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 19 $129,925,000 $6,838,158 $0 0.06%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $120,450,000 $30,112,500 $0 0.06%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 20 $109,950,000 $5,497,500 $0 0.06%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 6 $101,460,000 $16,910,000 $0 0.06%
COLUMBUS, OH (FHA|USDA|VA) 9 $86,715,000 $9,635,000 $0 0.06%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 19 $85,295,000 $4,489,211 $0 0.06%
Steamboat Springs, CO (FHA|USDA|VA) 2 $80,430,000 $40,215,000 $0 0.07%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $78,905,000 $26,301,667 $0 0.06%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $74,650,000 $18,662,500 $0 0.06%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $74,615,000 $24,871,667 $0 0.06%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 7 $66,965,000 $9,566,429 $0 0.06%
WICHITA, KS (FHA|USDA|VA) 9 $64,665,000 $7,185,000 $0 0.06%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $61,355,000 $12,271,000 $0 0.06%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $60,675,000 $20,225,000 $0 0.06%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $59,815,000 $59,815,000 $0 0.06%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 5 $56,555,000 $11,311,000 $0 0.06%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $56,455,000 $18,818,333 $0 0.06%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 8 $55,770,000 $6,971,250 $0 0.07%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $52,145,000 $52,145,000 $0 0.06%
FORT WAYNE, IN (FHA|USDA|VA) 1 $49,195,000 $49,195,000 $0 0.05%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $47,630,000 $23,815,000 $0 0.05%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $44,415,000 $14,805,000 $0 0.07%
SPARTANBURG, SC (FHA|USDA|VA) 1 $44,155,000 $44,155,000 $0 0.06%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $43,640,000 $10,910,000 $0 0.06%
SANTA FE, NM (FHA|USDA|VA) 1 $39,055,000 $39,055,000 $0 0.05%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 8 $34,680,000 $4,335,000 $0 0.06%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $34,400,000 $17,200,000 $0 0.07%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $33,400,000 $8,350,000 $0 0.06%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $33,195,000 $33,195,000 $0 0.06%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $30,550,000 $15,275,000 $0 0.06%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $30,500,000 $7,625,000 $0 0.06%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $30,020,000 $15,010,000 $0 0.06%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $26,780,000 $13,390,000 $0 0.06%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $26,585,000 $8,861,667 $0 0.06%
ALBANY, GA (FHA|USDA|VA) 2 $26,310,000 $13,155,000 $0 0.06%
LOUISVILLE, KY (FHA|USDA|VA) 2 $25,170,000 $12,585,000 $0 0.06%
BATON ROUGE, LA (FHA|USDA|VA) 3 $24,685,000 $8,228,333 $0 0.06%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $24,230,000 $12,115,000 $0 0.06%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $23,325,000 $23,325,000 $0 0.06%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 2 $22,310,000 $11,155,000 $0 0.06%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $22,030,000 $5,507,500 $0 0.06%
TOPEKA, KS (FHA|USDA|VA) 7 $21,715,000 $3,102,143 $0 0.06%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $20,970,000 $10,485,000 $0 0.05%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $20,935,000 $20,935,000 $0 0.06%
HAMMOND, LA (FHA|USDA|VA) 1 $20,895,000 $20,895,000 $0 0.05%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $18,765,000 $18,765,000 $0 0.06%
FLINT, MI (FHA|USDA|VA) 2 $17,760,000 $8,880,000 $0 0.06%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $17,360,000 $4,340,000 $0 0.06%
EL PASO, TX (FHA|USDA|VA) 1 $17,145,000 $17,145,000 $0 0.05%
ERIE, PA (FHA|USDA|VA) 1 $16,125,000 $16,125,000 $0 0.05%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $15,920,000 $7,960,000 $0 0.06%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $15,285,000 $5,095,000 $0 0.07%
SYRACUSE, NY (FHA|USDA|VA) 1 $15,195,000 $15,195,000 $0 0.06%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $14,145,000 $4,715,000 $0 0.06%
TUCSON, AZ (FHA|USDA|VA) 2 $13,590,000 $6,795,000 $0 0.06%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $11,345,000 $11,345,000 $0 0.07%
LAS CRUCES, NM (FHA|USDA|VA) 1 $10,415,000 $10,415,000 $0 0.07%
AKRON, OH (FHA|USDA|VA) 1 $10,285,000 $10,285,000 $0 0.07%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $9,995,000 $9,995,000 $0 0.06%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $9,920,000 $4,960,000 $0 0.06%
ASHEVILLE, NC (FHA|USDA|VA) 2 $9,790,000 $4,895,000 $0 0.06%
TULSA, OK (FHA|USDA|VA) 2 $9,510,000 $4,755,000 $0 0.06%
Ashland, OH (FHA|USDA|VA) 1 $9,465,000 $9,465,000 $0 0.05%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $9,385,000 $9,385,000 $0 0.06%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $8,325,000 $8,325,000 $0 0.05%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $7,885,000 $7,885,000 $0 0.05%
Cornelia, GA (FHA|USDA|VA) 1 $6,795,000 $6,795,000 $0 0.06%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $6,775,000 $6,775,000 $0 0.06%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $6,745,000 $6,745,000 $0 0.05%
Wooster, OH (FHA|USDA|VA) 1 $6,205,000 $6,205,000 $0 0.06%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $6,025,000 $6,025,000 $0 0.07%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $6,005,000 $6,005,000 $0 0.07%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $6,005,000 $6,005,000 $0 0.06%
TOLEDO, OH (FHA|USDA|VA) 1 $5,575,000 $5,575,000 $0 0.05%
Outside of Metro Areas 3 $5,465,000 $1,821,667 $0 0.07%
DALTON, GA (FHA|USDA|VA) 2 $5,420,000 $2,710,000 $0 0.07%
LUBBOCK, TX (FHA|USDA|VA) 1 $5,335,000 $5,335,000 $0 0.07%
COLUMBIA, SC (FHA|USDA|VA) 1 $5,295,000 $5,295,000 $0 0.06%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $5,285,000 $1,761,667 $0 0.06%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $5,195,000 $5,195,000 $0 0.07%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $5,000,000 $2,500,000 $0 0.06%
Emporia, KS (FHA|USDA|VA) 1 $4,735,000 $4,735,000 $0 0.06%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $4,445,000 $4,445,000 $0 0.06%
FRESNO, CA (FHA|USDA|VA) 1 $4,355,000 $4,355,000 $0 0.06%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $4,255,000 $4,255,000 $0 0.06%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $4,155,000 $4,155,000 $0 0.06%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $4,125,000 $4,125,000 $0 0.07%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $3,855,000 $3,855,000 $0 0.06%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $3,810,000 $1,905,000 $0 0.08%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $3,515,000 $3,515,000 $0 0.06%
Big Spring, TX (FHA|USDA|VA) 1 $3,465,000 $3,465,000 $0 0.06%
Dodge City, KS (FHA|USDA|VA) 1 $3,055,000 $3,055,000 $0 0.06%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $2,975,000 $2,975,000 $0 0.06%
Union City, TN (FHA|USDA|VA) 1 $2,845,000 $2,845,000 $0 0.07%
MONROE, MI (FHA|USDA|VA) 1 $2,825,000 $2,825,000 $0 0.08%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $2,790,000 $1,395,000 $0 0.06%
PROVO-OREM, UT (FHA|USDA|VA) 1 $2,625,000 $2,625,000 $0 0.07%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $2,525,000 $2,525,000 $0 0.07%
JACKSON, MI (FHA|USDA|VA) 1 $2,405,000 $2,405,000 $0 0.06%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $2,335,000 $2,335,000 $0 0.08%
Sevierville, TN (FHA|USDA|VA) 1 $2,305,000 $2,305,000 $0 0.07%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $2,205,000 $2,205,000 $0 0.06%
KANKAKEE, IL (FHA|USDA|VA) 1 $2,085,000 $2,085,000 $0 0.06%
CHARLESTON, WV (FHA|USDA|VA) 1 $2,075,000 $2,075,000 $0 0.06%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $2,075,000 $2,075,000 $0 0.06%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $1,985,000 $1,985,000 $0 0.06%
MANSFIELD, OH (FHA|USDA|VA) 1 $1,965,000 $1,965,000 $0 0.08%
EL CENTRO, CA (FHA|USDA|VA) 1 $1,915,000 $1,915,000 $0 0.07%
Mountain Home, ID (FHA|USDA|VA) 1 $1,895,000 $1,895,000 $0 0.06%
MONTGOMERY, AL (FHA|USDA|VA) 1 $1,835,000 $1,835,000 $0 0.06%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,655,000 $1,655,000 $0 0.06%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $1,645,000 $1,645,000 $0 0.07%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $1,615,000 $1,615,000 $0 0.06%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $0 0.06%
ODESSA, TX (FHA|USDA|VA) 1 $1,145,000 $1,145,000 $0 0.00%
PITTSBURGH, PA (FHA|USDA|VA) 1 $1,135,000 $1,135,000 $0 0.08%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $1,115,000 $1,115,000 $0 0.07%
Cedartown, GA (FHA|USDA|VA) 1 $1,025,000 $1,025,000 $0 0.07%
KNOXVILLE, TN (FHA|USDA|VA) 1 $925,000 $925,000 $0 0.08%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $825,000 $825,000 $0 0.06%
Orix Real Estate Capital's top markets include Nashville, Dallas, Miami, Los Angeles, and Washington among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 280 $2,461,340,000 $8,790,500 $0 0.06%
    FHA 41 $715,065,000 $17,440,610 $0 0.06%

    For 2023, Orix Real Estate Capital's most frequently originated type of loan was Conventional, with 280 originations. Their 2nd most popular type was FHA, with 41 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 234 $2,146,770,000 $9,174,231 $0 0.06%
    Home Purchase 87 $1,029,635,000 $11,834,885 $0 0.06%

    For 2023, Orix Real Estate Capital's most frequently cited loan purpose was Refi, with 234 originations. The 2nd most popular reason was Home Purchase, with 87 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 122 $1,318,560,000 $10,807,869 $0 0.06%
    5 Year 77 $570,125,000 $7,404,221 $0 0.06%
    Other 69 $676,265,000 $9,800,942 $0 0.07%
    30+ year 34 $554,130,000 $16,297,941 $0 0.06%
    20 Year 17 $49,455,000 $2,909,118 $0 0.06%
    30 Year 2 $7,870,000 $3,935,000 $0 0.07%

    For 2023, Orix Real Estate Capital's most frequently cited loan duration was 10 Year, with 122 originations. The 2nd most popular length was 5 Year, with 77 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 317 $3,131,835,000 $9,879,606

    During 2023, Orix Real Estate Capital's average interest rate for loans was 0.07%, while their most frequently originated rate bucket for loans was <2.5%, with 317 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 315 $3,172,045,000 $10,069,984 $0 0.06%
    $600k-1MM 4 $3,540,000 $885,000 $0 0.06%
    $200k-400k 1 $235,000 $235,000 $0 0.07%
    $400k-600k 1 $585,000 $585,000 $0 0.06%

    2023 saw Orix Real Estate Capital place emphasis on $1MM+ loans with 315 originations, totaling $3,172,045,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 321 $3,176,405,000 $9,895,343 $0 0.06%

    Approval Rates

    Total approvals of all applications
    89.98%

    Orix Real Estate Capital has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.32%

    Orix Real Estate Capital has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 321 $3,176,405,000 $9,895,343

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    321 $3,176,405,000 $9,895,343

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    60-80% 1 $5,855,000 $5,855,000 $0 0.07%
    Over 100% 287 $2,706,125,000 $9,429,007 $0 0.06%