OrangePath Financial at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
92nd-0.26 ptsProcesswithdrawn + incomplete share, weight 15%
23rd18.4%Closing coststotal loan costs ÷ loan amount, weight 10%
52nd1.86% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2 | 2 | 0.0% | 0.0% | 6.69% | $580k |
| 2024 | 70 | 70 | 0.0% | 0.0% | 6.38% | $23M |
| 2025 | 125 | 102 | 0.0% | 0.0% | 6.00% | $35M |
What OrangePath Financial lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 20 investment properties.
Who gets approved at OrangePath Financial
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 35 | 32 | 0.0% |
| $100k – $150k | 46 | 37 | 0.0% |
| $150k – $250k | 23 | 19 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 48 | 41 | 0.0% |
| 35–44 | 47 | 40 | 0.0% |
Where OrangePath Financial lends
12 states and 55 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 42 | 37 | 0.0% | 6.00% | #463 |
| Pennsylvania | 21 | 16 | 0.0% | 5.94% | #597 |
| Tennessee | 17 | 13 | 0.0% | 6.00% | #560 |
| North Carolina | 16 | 13 | 0.0% | 5.88% | #555 |
| Florida | 12 | 6 | 0.0% | 6.06% | #866 |
| South Carolina | 5 | 5 | 0.0% | 5.88% | #661 |
Frequently asked questions
OrangePath Financial denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans OrangePath Financial originated in 2025 was 6.00%, and its median rate spread over the average prime offer rate was -0.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 86% of its applications were for home purchases, 14% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.