Orchard Mortgage Review 2026

Orchard Mortgage overview

Founded in 2019, Orchard Mortgage is a mortgage broker and lender headquartered in Austin, Texas. It’s one of several affiliated businesses, including a real estate listing company, title companies and a home insurance company. When it comes to originating mortgages, the company is relatively small: According to HMDA data, it originated only 234 conventional mortgages in 2024.

Pros and cons of Orchard Mortgage

How Bankrate scored Orchard Mortgage

Affordability: 3.4 stars

Orchard Mortgage didn’t respond to our request for rates, and to get a personalized quote on its website, you’ll need to provide your contact information. 

• Interest rates: We weren’t able to confirm Orchard’s mortgage rates for scoring.
• Fees: Orchard’s fees include an origination fee of up to 3 percent of the loan amount, a $999 underwriting fee and a $245 processing fee. While these fees are common among lenders, many charge a lower origination fee. 

Availability: 5 stars

Although Orchard isn’t available in every state, it has a relatively wide reach and offers a variety of loan programs. 

• Home loans offered: Orchard’s home loan options include conventional, FHA and VA purchase and refinance options. It also offers non-QM loans. 
• Footprint: Orchard does business in 30 states: Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin and Wyoming. It also operates in Washington, D.C.
• Where to find: You can start the mortgage process with Orchard online.

Borrower experience: 3.6 stars

Orchard offers fewer ways to get in touch with some lenders, and you can’t receive a personalized rate without submitting your contact information.

• Preapproval and application process: To get started with Orchard Mortgage, you'll create an online account and wait for a loan officer to contact you and help you complete your application. The lender will then supply you with a prequalification letter to give you an idea of what you can afford. Many other lenders let you complete the preapproval process independently. 
• Transparency: Orchard Mortgage will give you a fully customized rate quote, but you’ll have to submit your contact information first. Some lenders don’t require this to supply customized rates.
• Customer service: You can reach Orchard Mortgage by calling 888-627-0677 or by filling out its online form. 

Orchard Mortgage reputation

Orchard Mortgage has been accredited by the Better Business Bureau since 2020 and maintains an A+ rating.