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. They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Washington, San Diego, Los Angeles, and Cleveland among others. We have data for 65 markets. (Some data included below & more in-depth data is available with an active subscription.)Orix Real Estate Capital has a below average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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% | 4/14/24 |
| 15 Year Conventional Purchase | 5.68% | 4/14/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
207Origination Dollar Volume (All Markets)
$1,409,675,000Top 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 |
|---|---|---|---|---|---|
| Outside of Metro Areas | 31 | $327,555,000 | $10,566,290 | $0 | 4.25% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 40 | $123,470,000 | $3,086,750 | $0 | 4.17% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $85,770,000 | $14,295,000 | $0 | 4.47% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $73,780,000 | $36,890,000 | $0 | 4.05% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 12 | $70,070,000 | $5,839,167 | $0 | 4.19% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $66,345,000 | $13,269,000 | $0 | 4.10% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 3 | $56,525,000 | $18,841,667 | $0 | 4.39% |
| COLUMBUS, OH (FHA|USDA|VA) | 4 | $47,200,000 | $11,800,000 | $0 | 4.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $41,360,000 | $20,680,000 | $0 | 3.98% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $39,530,000 | $9,882,500 | $0 | 3.91% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 10 | $30,150,000 | $3,015,000 | $0 | 4.80% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $29,710,000 | $7,427,500 | $0 | 4.45% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $27,365,000 | $27,365,000 | $0 | 3.74% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $26,805,000 | $26,805,000 | $0 | 3.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $26,310,000 | $13,155,000 | $0 | 4.44% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $25,125,000 | $25,125,000 | $0 | 4.15% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $19,730,000 | $4,932,500 | $0 | 4.33% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 4 | $18,740,000 | $4,685,000 | $0 | 4.62% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 6 | $18,520,000 | $3,086,667 | $0 | 4.63% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $16,665,000 | $5,555,000 | $0 | 4.14% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $15,955,000 | $15,955,000 | $0 | 4.35% |
| TOLEDO, OH (FHA|USDA|VA) | 2 | $13,960,000 | $6,980,000 | $0 | 4.49% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $13,855,000 | $13,855,000 | $0 | 4.05% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $11,940,000 | $5,970,000 | $0 | 3.82% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $10,645,000 | $10,645,000 | $0 | 4.82% |
| EL CENTRO, CA (FHA|USDA|VA) | 4 | $10,060,000 | $2,515,000 | $0 | 3.90% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $8,920,000 | $4,460,000 | $0 | 4.50% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $8,785,000 | $8,785,000 | $0 | 3.61% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $8,525,000 | $8,525,000 | $0 | 4.91% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $7,755,000 | $7,755,000 | $0 | 3.15% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $7,035,000 | $7,035,000 | $0 | 4.59% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $7,005,000 | $7,005,000 | $0 | 4.81% |
| GREAT FALLS, MT (FHA|USDA|VA) | 1 | $6,995,000 | $6,995,000 | $0 | 4.69% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $5,985,000 | $5,985,000 | $0 | 5.08% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $5,335,000 | $1,778,333 | $0 | 5.15% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $5,235,000 | $1,745,000 | $0 | 4.85% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $5,210,000 | $2,605,000 | $0 | 4.51% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $4,960,000 | $2,480,000 | $0 | 4.48% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $4,790,000 | $2,395,000 | $0 | 3.88% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $4,695,000 | $4,695,000 | $0 | 4.49% |
| Kingsville, TX (FHA|USDA|VA) | 2 | $4,650,000 | $2,325,000 | $0 | 4.74% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $4,535,000 | $4,535,000 | $0 | 4.95% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $4,335,000 | $4,335,000 | $0 | 4.05% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $4,295,000 | $4,295,000 | $0 | 4.22% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $4,275,000 | $4,275,000 | $0 | 4.23% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $4,215,000 | $4,215,000 | $0 | 4.85% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $4,210,000 | $2,105,000 | $0 | 4.29% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $3,790,000 | $1,895,000 | $0 | 4.63% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $3,665,000 | $3,665,000 | $0 | 4.52% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $3,185,000 | $3,185,000 | $0 | 4.22% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $2,755,000 | $2,755,000 | $0 | 4.03% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $2,595,000 | $2,595,000 | $0 | 3.93% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $2,585,000 | $2,585,000 | $0 | 4.73% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $2,475,000 | $2,475,000 | $0 | 5.46% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $2,375,000 | $2,375,000 | $0 | 3.22% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $2,320,000 | $1,160,000 | $0 | 4.29% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $2,295,000 | $2,295,000 | $0 | 4.72% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $2,025,000 | $2,025,000 | $0 | 4.72% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $1,815,000 | $1,815,000 | $0 | 4.83% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $1,705,000 | $1,705,000 | $0 | 4.21% |
| Centralia, WA (FHA|USDA|VA) | 1 | $1,575,000 | $1,575,000 | $0 | 3.49% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $1,555,000 | $1,555,000 | $0 | 4.52% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $1,515,000 | $1,515,000 | $0 | 5.48% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $0 | 4.30% |
| Adrian, MI (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $0 | 3.73% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 170 | $1,035,590,000 | $6,091,706 | $0 | 4.39% |
| FHA | 36 | $371,800,000 | $10,327,778 | $0 | 3.98% |
| USDA | 1 | $2,285,000 | $2,285,000 | $0 | 3.94% |
For 2019, Orix Real Estate Capital's most frequently originated type of loan was Conventional, with 170 originations. Their 2nd most popular type was FHA, with 36 originations.
Loan Reason
For 2019, Orix Real Estate Capital's most frequently cited loan purpose was Refi, with 88 originations. The 2nd most popular reason was Home Purchase, with 72 originations.
Loan Duration/Length
For 2019, Orix Real Estate Capital's most frequently cited loan duration was Other, with 63 originations. The 2nd most popular length was 20 Year, with 59 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 121 | $859,495,000 | $7,103,264 |
| 3-4% | 63 | $473,975,000 | $7,523,413 |
| 5-6% | 19 | $37,945,000 | $1,997,105 |
| 2.5-3% | 3 | $29,255,000 | $9,751,667 |
During 2019, Orix Real Estate Capital's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 4-5%, with 121 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $1MM+ | 206 | $1,408,740,000 | $6,838,544 | $0 | 4.32% |
| $600k-1MM | 1 | $935,000 | $935,000 | $0 | 4.83% |
2019 saw Orix Real Estate Capital place emphasis on $1MM+ loans with 206 originations, totaling $1,408,740,000 in origination value.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 206 | $1,406,150,000 | $6,825,971 | $0 | 4.32% |
| Japanese | 1 | $3,525,000 | $3,525,000 | $0 | 3.72% |
Approval Rates
Total approvals of all applications69.55%
Orix Real Estate Capital has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination98.55%
Orix Real Estate Capital has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 207 | $1,409,675,000 | $6,810,024 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 207 | $1,409,675,000 | $6,810,024 |