OriginPoint

Name

OriginPoint

Legal name

OriginPoint LLC

Website

https://originpoint.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Consumer Direct / Online Mortgage Origination (FSALAAAB)

akta.pro secondary industries

Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD), Rate-and-Term Refinance Origination (FSALAAAE), First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG)

Keywords

• Residential mortgage lending
• Home purchase loans
• Mortgage refinancing
• Digital mortgage platform
• Home loan origination

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Mortgage Origination: OriginPoint generates revenue through mortgage origination fees charged to borrowers when originating home purchase and refinance loans. The company offers various loan products including 30-year fixed, 15-year fixed, adjustable rate mortgages, and jumbo loans.
2. Interest Income: As a mortgage lender, OriginPoint earns interest income on the loans it originates and holds or sells in the secondary market.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

OriginPoint is a digital-first retail mortgage lender that originates home purchase and refinance loans nationwide across 49+ US states through a Digital Mortgage platform with automated underwriting delivering pre-approval in as few as 10 minutes. The company offers standard loan products (30-year fixed, 15-year fixed, ARM, jumbo loans), refinance services, and the differentiated OneDown 1% Down Mortgage Program providing either a $6,000 lender-paid grant or a 1% lender-paid temporary rate buydown.

Product overview

OriginPoint is a mortgage lending company formed as a joint venture between Guaranteed Rate and Compass, offering a digital-first mortgage platform. The core offering is the Digital Mortgage platform, complemented by specialized programs like the OneDown 1% Down Mortgage Program. The company provides various loan products including 30-year and 15-year fixed rate mortgages, adjustable rate mortgages, and jumbo loans. Supporting tools include a mortgage calculator and secure document portal. All services are delivered through online and mobile channels with automation for streamlined processing.

Differentiator

Problem solved

Functional benefit

Brands

• OneDown 1% Down Mortgage Program: A mortgage program offering either a $6,000 lender-paid grant or a 1% lender-paid temporary rate buydown for the first year, designed to support real estate agents and homebuyers with as little as 1% minimum borrower contribution.

Products and services

• Digital Mortgage A fully digital mortgage application platform that enables borrowers to apply anytime, anywhere, get pre-approved in minutes through automated underwriting, and manage documents through a secure portal. Designed for individual homebuyers and homeowners seeking purchase or refinance mortgages.
• OneDown 1% Down Mortgage Program A mortgage program requiring only 1% minimum borrower contribution, offering either a $6,000 lender-paid grant or a 1% temporary rate buydown for the first year. Designed for real estate agents and their buyers needing affordability and bidding power in competitive housing markets.
• 30-Year Fixed Rate Mortgage A conventional fixed-rate mortgage with consistent monthly payments over 30 years, recommended for borrowers planning to stay in their home for at least 5-10 years. Available nationwide through OriginPoint's licensed states.
• 15-Year Fixed Rate Mortgage A fixed-rate mortgage allowing borrowers to pay off their home twice as fast with lower interest rates and less total interest compared to 30-year terms.
• Adjustable Rate Mortgage (ARM) A home loan with interest rates that change after a fixed initial period, offering lower rates than fixed mortgages with extra protection through rate caps.
• Jumbo Loan A mortgage for loan amounts exceeding conforming limits, available in both fixed and adjustable rate options, requiring more stringent credit guidelines and larger down payments.
• Refinance Services Mortgage refinancing options allowing homeowners to potentially save money, shorten loan terms, or access home equity through rate-and-term or cash-out refinance loans.
• Mortgage Calculator An online calculator that estimates monthly mortgage payments including principal, interest, taxes, and insurance based on home price, down payment, loan term, and interest rate inputs.

Quantifiable outcome

• Pre-approval in as few as 10 minutes
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Compass Inc.coreStrategic or Co-development PartnerCompass Inc., the #1 independent real estate brokerage in the country (per 2023 RealTrends 500), formed OriginPoint as a joint venture mortgage origination company with Guaranteed Rate. This partnership creates a cohesive real estate and mortgage experience, directly connecting Compass agents with OriginPoint loan officers.
• Guaranteed RatecoreStrategic or Co-development PartnerGuaranteed Rate, the top 2 retail mortgage company in the country with a 96% customer satisfaction rating and creator of the world's first Digital Mortgage, partnered with Compass to form OriginPoint. As a parent company, Guaranteed Rate provides mortgage industry expertise, technology platform, and operational infrastructure.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Rocket Mortgage: Largest U.S. retail mortgage lender and the prototypical digital-first, direct-to-consumer originator — directly comparable to OriginPoint on product (purchase, refi, conforming, jumbo), brand-led acquisition model, and technology-driven underwriting speed.
• Better.com: Pure-play digital mortgage originator competing on online application, automated underwriting, and self-serve experience. Closely comparable on GTM motion and technology-led purchase and refi offering.
• loanDepot: Large national retail and digital mortgage lender offering purchase, refinance, HELOC, and jumbo products through both digital and loan officer channels — directly comparable in channel mix and product breadth.
• Fairway Independent Mortgage: Large national retail mortgage lender with a strong branch and loan officer model. Comparable to OriginPoint on retail purchase and refinance origination across conforming, FHA, VA, and jumbo products.
• NewRez (formerly New Residential Mortgage): National mortgage originator and servicer offering purchase, refinance, and jumbo products via retail and wholesale channels. Comparable to OriginPoint on multi-channel retail origination and servicing-adjacent economics.
• Movement Mortgage: Top-10 U.S. retail mortgage lender with a national loan officer network and strong purchase-volume focus. Comparable on retail purchase strategy, broad geographic coverage, and loan-officer-driven origination.
• Caliber Home Loans: National retail mortgage lender offering purchase, refinance, and HELOC products across conforming, government, and jumbo. Comparable on nationwide retail branch-and-LO distribution and product breadth.

Broad incumbents

• Guaranteed Rate: Top-2 U.S. retail mortgage lender, JV parent of OriginPoint, and creator of the 'Digital Mortgage' platform. Operates a much broader retail footprint and product suite, providing both OriginPoint's technology backbone and a competing retail channel at national scale.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender and a major retail/digital competitor. Comparable on purchase and refi product breadth and on aggressive tech-led broker/agent channel strategy that overlaps OriginPoint's agent-first positioning.

Emerging players

• SoFi: Digital-first consumer lender and mortgage originator with a strong brand-led, self-serve motion. Overlaps OriginPoint on digital mortgage origination and on targeting younger, financially-engaged homebuyers; narrower mortgage product set than OriginPoint's.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/originpoint
• Facebookfacebook.com/originpointofficial
• LinkedInlinkedin.com/company/origin-point
• Instagraminstagram.com/originpointmortgage

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OriginPoint