Orion Lending Wholesale Mortgage Rates, Through an Independent Broker
Wholesale conventional, government, and non-QM investor.
Duane Buziak, Mortgage Maestro (NMLS #1110647), has an active wholesale relationship with Orion Lending and submits files directly into its wholesale channel. This page explains what Orion Lending is generally known for, who it tends to fit, and how to get a real quote sourced from its current wholesale rate sheet.
Independent broker with wholesale access — Duane is not affiliated with, endorsed by, or an employee of Orion Lending. This page reflects a genuine wholesale relationship Duane originates through directly.
What Orion Lending Is Known For
- Covers conventional, government, and non-QM under one wholesale shelf
- Established broker-channel investor
- Broad program menu for varied borrower profiles
Program Fit & Flexibility
Orion Lending's wholesale guidelines generally show a minimum credit score of Conventional/government minimums generally follow standard agency floors (620/580); DSCR available, with down payment requirements of Proprietary DPA programs can reduce borrower cash-to-close to $0 for qualifying files. Loan amounts and program range: Conventional, government, DSCR, jumbo. Documentation type: Standard full doc; DSCR alt-doc for investors. Minimum credit score, down payment, and DTI thresholds change with the lender's current guidelines — Duane confirms exact numbers against Orion Lending's live rate sheet at the time your file is priced, so nothing here is a fixed promise.
Orion Lending vs. a Typical Wholesale Alternative
| Feature | Orion Lending | Typical Alternative Wholesale Lender |
|---|---|---|
| Program focus | Covers conventional, government, and non-QM under one wholesale shelf | Varies by lender — compare at time of application |
| Credit score flexibility | Conventional/government minimums generally follow standard agency floors (620/580); DSCR available | Commonly 620 conventional / 580 FHA as a baseline |
| Down payment range | Proprietary DPA programs can reduce borrower cash-to-close to $0 for qualifying files | Commonly 3–5% conventional, varies by program |
| Loan amount range | Conventional, government, DSCR, jumbo | Varies by lender and program |
| Documentation type | Standard full doc; DSCR alt-doc for investors | Varies by lender and program |
Getting a Real Orion Lending Quote Through the NoTouch Credit Pull
Duane's NoTouch Credit Pull is a soft-pull pre-approval that shows real, program-specific numbers from Orion Lending's wholesale rate sheet without a hard inquiry on your credit.
Start My NoTouch Pre-ApprovalWorked Example
A borrower with a 700 credit score and 20% down on a $400,000 purchase priced through Orion Lending's wholesale conventional rate sheet. On a $320,000 loan at an illustrative 6.75% wholesale rate, principal and interest runs approximately $2,075/month — before taxes, insurance, or HOA.
APR and payment figures above are illustrative only, not a rate lock, quote, or offer — actual pricing depends on Orion Lending's live wholesale rate sheet, credit profile, loan amount, and program at time of application.
Frequently Asked Questions — Orion Lending
Does Orion Lending lend directly to consumers?
No. Orion Lending funds loans exclusively through independent wholesale brokers. To access Orion Lending's wholesale pricing, you work with a broker like Duane Buziak, who submits your file directly to Orion Lending's wholesale channel.
Is a broker-submitted Orion Lending loan more expensive than going direct?
No — Orion Lending's wholesale pricing is not available direct-to-consumer, so there is no direct channel to compare against. Duane's access is the way to reach this pricing.
What loan programs does Orion Lending offer under its wholesale shelf?
Orion Lending offers a comprehensive broad-market menu including conventional Fannie Mae/Freddie Mac options, government loans (FHA, VA, USDA), Non-QM, DSCR investor products, and Jumbo loans.
Does Orion Lending offer Down Payment Assistance (DPA) programs?
Yes. Orion Lending features proprietary Down Payment Assistance (DPA) solutions that can significantly lower or even eliminate out-of-pocket cash requirements down to $0 for qualified homebuyers.
What are the credit score requirements for Orion Lending products?
Orion Lending aligns with standard agency minimums starting at 620 FICO for conventional loans and 580 for FHA loans, while offering specialized non-QM and DSCR programs with custom guidelines.
Can real estate investors qualify without tax returns through Orion Lending?
Yes. Orion Lending provides Debt-Service Coverage Ratio (DSCR) products for investment properties, allowing qualification based on subject property cash flow rather than personal tax documentation.
Does Orion Lending offer options for government-backed loans?
Yes. Orion Lending originates full-suite government products, including FHA purchase and streamline refinances, VA military loans with 100% financing, and USDA rural housing loans.
How does Duane's NoTouch Credit Pull work with Orion Lending?
Duane conducts a soft credit pull to generate a live pre-approval pricing estimate directly from Orion Lending's current wholesale rate sheet without affecting your credit score.
Are Jumbo loans available through Orion Lending?
Yes. Orion Lending offers Jumbo mortgage options tailored for loan amounts that exceed standard conforming limits.
What documentation is required for Orion standard wholesale programs?
Standard full documentation (W-2s, paystubs, personal tax returns) is used for conventional and government loans, while alt-doc options like DSCR are available for qualified investor scenarios.
Can first-time homebuyers qualify for Orion Lending programs?
Yes. First-time homebuyers can utilize conventional low-down-payment options, FHA loans, and proprietary down payment assistance programs through Orion Lending.
Why work with an independent broker to access Orion Lending?
Working with an independent broker like Duane allows you to access Orion's wholesale rate sheet while simultaneously comparing it against 30 other top wholesale lenders.
How can I test an existing rate quote against Orion Lending's rates?
Upload your current written quote or Loan Estimate to Duane's "Dare to Compare" tool for a direct, side-by-side analysis against Orion Lending's live pricing.
Compare Orion Lending Against the Rest of the Wholesale Market
Already have a quote? Bring it — Duane runs it head-to-head against Orion Lending and every other lender in the directory.
Bring My Quote — Dare to Compare