Orix Real Estate Capital Mortgage Rates, Fees & Info
DOVER, DELEI: 549300JGMQJ4R419LR70
Tax ID: 31-1712553
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Mortgage Data
Review & Overview
Orix Real Estate Capital is a small mortgage company specializing in Refi, Home Purchase, and Home Improvement 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: New York, Los Angeles, Portland, Houston, and Atlanta among others. We have data for 82 markets. (Some data included below & more in-depth data is available with an active subscription.)Orix Real Estate Capital has an above 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 1/26/25 |
| 15 Year Conventional Purchase | 5.68% | 1/26/25 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
255Origination Dollar Volume (All Markets)
$1,591,895,000Top 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 |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 60 | $158,880,000 | $2,648,000 | $0 | 4.44% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 13 | $98,545,000 | $7,580,385 | $0 | 4.40% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $95,970,000 | $23,992,500 | $0 | 3.74% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 10 | $89,060,000 | $8,906,000 | $0 | 4.50% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $86,795,000 | $17,359,000 | $0 | 4.47% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $82,235,000 | $27,411,667 | $0 | 4.06% |
| SYRACUSE, NY (FHA|USDA|VA) | 2 | $78,480,000 | $39,240,000 | $0 | 4.78% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $65,425,000 | $13,085,000 | $0 | 4.07% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $57,485,000 | $11,497,000 | $0 | 5.07% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 9 | $55,475,000 | $6,163,889 | $0 | 4.53% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 16 | $53,920,000 | $3,370,000 | $0 | 4.90% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 5 | $37,545,000 | $7,509,000 | $0 | 4.49% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 5 | $36,415,000 | $7,283,000 | $0 | 4.58% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $35,140,000 | $8,785,000 | $0 | 4.31% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $33,675,000 | $33,675,000 | $0 | 4.43% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $32,035,000 | $6,407,000 | $0 | 4.41% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $30,870,000 | $15,435,000 | $0 | 4.93% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 7 | $25,775,000 | $3,682,143 | $0 | 4.54% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $23,010,000 | $11,505,000 | $0 | 5.00% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $20,545,000 | $20,545,000 | $0 | 4.80% |
| COLUMBUS, OH (FHA|USDA|VA) | 6 | $19,950,000 | $3,325,000 | $0 | 4.54% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $19,940,000 | $9,970,000 | $0 | 5.05% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $17,995,000 | $17,995,000 | $0 | 5.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $17,830,000 | $8,915,000 | $0 | 4.85% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $15,090,000 | $7,545,000 | $0 | 4.87% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $14,545,000 | $14,545,000 | $0 | 3.30% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $14,470,000 | $7,235,000 | $0 | 4.47% |
| Cortland, NY (FHA|USDA|VA) | 1 | $13,385,000 | $13,385,000 | $0 | 4.97% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $12,680,000 | $6,340,000 | $0 | 4.59% |
| AKRON, OH (FHA|USDA|VA) | 2 | $12,080,000 | $6,040,000 | $0 | 4.57% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $11,835,000 | $11,835,000 | $0 | 4.96% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $11,205,000 | $11,205,000 | $0 | 4.95% |
| Muskogee, OK (FHA|USDA|VA) | 2 | $10,970,000 | $5,485,000 | $0 | 3.98% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $10,855,000 | $10,855,000 | $0 | 5.10% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $10,830,000 | $2,707,500 | $0 | 4.87% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $10,500,000 | $5,250,000 | $0 | 4.72% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $10,245,000 | $10,245,000 | $0 | 3.80% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $10,225,000 | $3,408,333 | $0 | 5.07% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $9,840,000 | $4,920,000 | $0 | 4.21% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $9,375,000 | $9,375,000 | $0 | 3.98% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $7,905,000 | $7,905,000 | $0 | 3.34% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $7,810,000 | $1,952,500 | $0 | 4.92% |
| MADERA, CA (FHA|USDA|VA) | 2 | $6,740,000 | $3,370,000 | $0 | 4.26% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $6,420,000 | $3,210,000 | $0 | 5.21% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $5,805,000 | $5,805,000 | $0 | 5.19% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $5,505,000 | $1,835,000 | $0 | 5.12% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $5,455,000 | $5,455,000 | $0 | 4.75% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $5,160,000 | $2,580,000 | $0 | 4.87% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $4,825,000 | $4,825,000 | $0 | 5.24% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $4,685,000 | $4,685,000 | $0 | 5.04% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $4,340,000 | $2,170,000 | $0 | 4.35% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $3,855,000 | $3,855,000 | $0 | 5.17% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $3,785,000 | $3,785,000 | $0 | 4.60% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $3,600,000 | $1,800,000 | $0 | 4.72% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $3,435,000 | $3,435,000 | $0 | 5.41% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $3,405,000 | $3,405,000 | $0 | 5.41% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $0 | 4.55% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $2,935,000 | $2,935,000 | $0 | 3.75% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $2,905,000 | $2,905,000 | $0 | 5.55% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $2,805,000 | $2,805,000 | $0 | 4.85% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $2,605,000 | $2,605,000 | $0 | 4.88% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $2,395,000 | $2,395,000 | $0 | 4.14% |
| Outside of Metro Areas | 1 | $2,255,000 | $2,255,000 | $0 | 4.07% |
| TULSA, OK (FHA|USDA|VA) | 1 | $2,225,000 | $2,225,000 | $0 | 4.21% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $2,105,000 | $2,105,000 | $0 | 5.03% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $2,085,000 | $2,085,000 | $0 | 4.96% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $1,975,000 | $1,975,000 | $0 | 4.02% |
| MERCED, CA (FHA|USDA|VA) | 1 | $1,825,000 | $1,825,000 | $0 | 4.18% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $1,805,000 | $1,805,000 | $0 | 4.02% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $1,775,000 | $1,775,000 | $0 | 5.06% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $1,705,000 | $1,705,000 | $0 | 4.14% |
| RENO, NV (FHA|USDA|VA) | 1 | $1,685,000 | $1,685,000 | $0 | 5.03% |
| WACO, TX (FHA|USDA|VA) | 1 | $1,525,000 | $1,525,000 | $0 | 5.23% |
| Starkville, MS (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $0 | 5.25% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $0 | 5.11% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $1,325,000 | $1,325,000 | $0 | 5.10% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $1,265,000 | $1,265,000 | $0 | 4.02% |
| Wooster, OH (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $0 | 4.97% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $0 | 4.82% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $0 | 4.42% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $935,000 | $935,000 | $0 | 5.08% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $0 | 4.90% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 204 | $1,150,780,000 | $5,641,078 | $0 | 4.70% |
| FHA | 51 | $441,115,000 | $8,649,314 | $0 | 4.07% |
For 2018, Orix Real Estate Capital's most frequently originated type of loan was Conventional, with 204 originations. Their 2nd most popular type was FHA, with 51 originations.
Loan Reason
For 2018, Orix Real Estate Capital's most frequently cited loan purpose was Refi, with 124 originations. The 2nd most popular reason was Home Purchase, with 81 originations.
Loan Duration/Length
For 2018, Orix Real Estate Capital's most frequently cited loan duration was 20 Year, with 92 originations. The 2nd most popular length was 30+ year, with 48 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 178 | $1,038,850,000 | $5,836,236 |
| 5-6% | 50 | $237,690,000 | $4,753,800 |
| 3-4% | 26 | $313,980,000 | $12,076,154 |
| 6-7% | 1 | $1,375,000 | $1,375,000 |
During 2018, Orix Real Estate Capital's average interest rate for loans was 4.82%, while their most frequently originated rate bucket for loans was 4-5%, with 178 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $1MM+ | 247 | $1,585,375,000 | $6,418,522 | $0 | 4.57% |
| $600k-1MM | 8 | $6,520,000 | $815,000 | $0 | 4.69% |
2018 saw Orix Real Estate Capital place emphasis on $1MM+ loans with 247 originations, totaling $1,585,375,000 in origination value.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.49%
Orix Real Estate Capital has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination86.27%
Orix Real Estate Capital has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 255 | $1,591,895,000 | $6,242,725 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 255 | $1,591,895,000 | $6,242,725 |