Orchard Mortgage, LLC Mortgage Lending & HMDA Data, 2025
In 2025, Orchard Mortgage, LLC of Austin, TX reported 558 mortgage applications totaling $196.6 million, up 22% from 2024. The average application was for $352,311, and applicants reported an average income of $148,161. 54% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (96), Dallas-Plano-Irving, TX (90) and Denver-Aurora-Lakewood, CO (57) (applications in parentheses).
| Mortgage Company & Address | Orchard Mortgage, LLC 8900 Business Park Dr Austin, TX 78705 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 558 |
| Total Mortgage Loan Application Amount | $196,590,000 |
| Average Mortgage Loan Application Amount | $352,311 |
| Highest Mortgage Loan Application Amount | $1,105,000 |
| Average Applicant Income | $148,161 |
| Highest Applicant Income | $840,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Orchard Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 96 | $ 33,600,000 | $ 350,000 | $ 163,000 |
| Dallas-Plano-Irving, TX | 90 | $ 32,380,000 | $ 359,777 | $ 153,000 |
| Denver-Aurora-Lakewood, CO | 57 | $ 21,915,000 | $ 384,473 | $ 140,000 |
| Outside any metro area | 54 | $ 16,460,000 | $ 304,814 | $ 138,222 |
| Austin-Round Rock, TX | 39 | $ 13,615,000 | $ 349,102 | $ 175,000 |
| San Antonio-New Braunfels, TX | 37 | $ 10,835,000 | $ 292,837 | $ 119,000 |
| Fort Worth-Arlington, TX | 36 | $ 13,530,000 | $ 375,833 | $ 137,000 |
| Atlanta-Sandy Springs-Roswell, GA | 33 | $ 11,565,000 | $ 350,454 | $ 152,000 |
| Marietta, GA | 13 | $ 4,465,000 | $ 343,461 | $ 136,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 3,295,000 | $ 470,714 | $ 157,000 |
| San Diego-Carlsbad, CA | 7 | $ 3,755,000 | $ 536,428 | $ 168,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 2,480,000 | $ 413,333 | $ 168,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 2,585,000 | $ 517,000 | $ 228,000 |
| Greeley, CO | 5 | $ 1,875,000 | $ 375,000 | $ 117,000 |
| Colorado Springs, CO | 4 | $ 1,210,000 | $ 302,500 | $ 78,000 |
| Tyler, TX | 4 | $ 1,010,000 | $ 252,500 | $ 79,000 |
| Boulder, CO | 3 | $ 1,485,000 | $ 495,000 | $ 168,000 |
| Philadelphia, PA | 3 | $ 1,535,000 | $ 511,666 | $ 248,000 |
| Toledo, OH | 3 | $ 405,000 | $ 135,000 | $ 56,000 |
| Charlottesville, VA | 2 | $ 750,000 | $ 375,000 | $ 236,000 |
| Chicago-Naperville, IL | 2 | $ 480,000 | $ 240,000 | $ 77,000 |
| Fort Collins, CO | 2 | $ 640,000 | $ 320,000 | $ 94,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 830,000 | $ 415,000 | $ 169,500 |
| Pueblo, CO | 2 | $ 290,000 | $ 145,000 | $ 145,000 |
| Rochester, MN | 2 | $ 590,000 | $ 295,000 | $ 79,000 |
| Sherman-Denison, TX | 2 | $ 640,000 | $ 320,000 | $ 120,000 |
| Tacoma-Lakewood, WA | 2 | $ 1,140,000 | $ 570,000 | $ 192,000 |
| Albuquerque, NM | 1 | $ 305,000 | $ 305,000 | $ 215,000 |
| Alexandria, LA | 1 | $ 285,000 | $ 285,000 | $ 82,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 605,000 | $ 605,000 | $ 154,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 625,000 | $ 625,000 | $ 350,000 |
| Birmingham-Hoover, AL | 1 | $ 265,000 | $ 265,000 | $ 166,000 |
| Coeur D'Alene, ID | 1 | $ 355,000 | $ 355,000 | $ 76,000 |
| College Station-Bryan, TX | 1 | $ 165,000 | $ 165,000 | $ 130,000 |
| Columbia, SC | 1 | $ 405,000 | $ 405,000 | $ 302,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 265,000 | $ 265,000 | $ 78,000 |
| Gainesville, GA | 1 | $ 435,000 | $ 435,000 | $ 140,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Huntsville, AL | 1 | $ 385,000 | $ 385,000 | $ 219,000 |
| Jackson, TN | 1 | $ 205,000 | $ 205,000 | $ 85,000 |
| Killeen-Temple, TX | 1 | $ 85,000 | $ 85,000 | $ 136,000 |
| Lawton, OK | 1 | $ 275,000 | $ 275,000 | $ 132,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 245,000 | $ 245,000 | $ 206,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 325,000 | $ 325,000 | $ 184,000 |
| Lubbock, TX | 1 | $ 245,000 | $ 245,000 | $ 87,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 335,000 | $ 335,000 | $ 111,000 |
| Memphis, TN-MS-AR | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Midland, MI | 1 | $ 345,000 | $ 345,000 | $ 182,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 295,000 | $ 295,000 | $ 61,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 775,000 | $ 775,000 | $ 235,000 |
| Oklahoma City, OK | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 205,000 | $ 205,000 | $ 114,000 |
| Owensboro, KY | 1 | $ 335,000 | $ 335,000 | $ 135,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 295,000 | $ 295,000 | $ 77,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 805,000 | $ 805,000 | $ 182,000 |
| Rome, GA | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Sandusky, OH | 1 | $ 435,000 | $ 435,000 | $ 243,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 775,000 | $ 775,000 | $ 195,000 |
| Spokane-Spokane Valley, WA | 1 | $ 355,000 | $ 355,000 | $ 165,000 |
| Tallahassee, FL | 1 | $ 395,000 | $ 395,000 | $ 118,000 |
| Texarkana, TX-AR | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Tucson, AZ | 1 | $ 235,000 | $ 235,000 | $ 223,000 |
| Waco, TX | 1 | $ 135,000 | $ 135,000 | $ 140,000 |
| Wildwood-The Villages, FL | 1 | $ 295,000 | $ 295,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Orchard Mortgage, LLC in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 471 | $166,485,000 | $353,000 | $1,105,000 | $146,000 | $840,000 |
| Refinancing | 68 | $24,430,000 | $359,000 | $805,000 | $163,000 | $497,000 |
| Cash-out Refinancing | 18 | $5,630,000 | $312,000 | $775,000 | $148,000 | $304,000 |
| Other Purpose | 1 | $45,000 | $45,000 | $45,000 | $160,000 | $160,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 334 | $117,680,000 | $352,000 | $1,105,000 | $150,000 | $840,000 |
| Hispanic | 87 | $27,955,000 | $321,000 | $745,000 | $134,000 | $430,000 |
| Not Provided | 50 | $17,820,000 | $356,000 | $805,000 | $157,000 | $354,000 |
| Black or African American | 46 | $18,870,000 | $410,000 | $945,000 | $156,000 | $567,000 |
| Asian | 25 | $9,935,000 | $397,000 | $915,000 | $156,000 | $244,000 |
| American Indian or Alaskan Native | 10 | $2,500,000 | $250,000 | $315,000 | $105,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,830,000 | $305,000 | $515,000 | $126,000 | $177,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 506 | $175,890,000 | $347,000 | $1,105,000 | $150,000 | $840,000 |
| FHA-insured (Federal Housing Administration) | 27 | $9,095,000 | $336,000 | $515,000 | $118,000 | $328,000 |
| VA-guaranteed (Veterans Administration) | 25 | $11,605,000 | $464,000 | $945,000 | $134,000 | $304,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 300 | $106,150,000 | $353,000 | $1,075,000 | $149,000 | $497,000 |
| Application Withdrawn By Applicant | 235 | $84,175,000 | $358,000 | $1,105,000 | $149,000 | $840,000 |
| Application Denied By Financial Institution | 22 | $5,870,000 | $266,000 | $565,000 | $116,000 | $228,000 |
| Application Approved But Not Accepted | 1 | $395,000 | $395,000 | $395,000 | $477,000 | $477,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 536 | $190,720,000 | $355,000 | $1,105,000 | $149,000 | $840,000 |
| Debt-To-Income Ratio | 8 | $2,790,000 | $348,000 | $565,000 | $106,000 | $190,000 |
| Collateral | 4 | $590,000 | $147,000 | $215,000 | $139,000 | $212,000 |
| Credit History | 4 | $1,310,000 | $327,000 | $495,000 | $124,000 | $214,000 |
| Unverifiable Information | 3 | $695,000 | $231,000 | $415,000 | $129,000 | $228,000 |
| Other | 2 | $280,000 | $140,000 | $205,000 | $74,000 | $113,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $205,000 | $205,000 | $205,000 | $131,000 | $131,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Orchard Mortgage, LLC's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Orchard Mortgage, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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