# INTERCOASTAL MORTGAGE, LLC

> **Canonical URL:** https://saferate.com/lenders/intercoastal-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


INTERCOASTAL MORTGAGE, LLC is a independent mortgage company, headquartered in Roanoke, VA, serving borrowers across 19 states, with 2,773 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 51% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300BM4NS8HDJT3X28
- **Headquarters:** Roanoke, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 19
- **State List:** AL, AZ, CA, CO, DC, DE, FL, GA, KY, MD, NC, NV, OH, PA, SC, TN, TX, VA, WV
- **Markets (MSAs):** 26
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.119%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,457
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,773
- **Dollar Volume:** $1.4 billion
- **Applications Received:** 3,490
- **Market Share:** 8.00%

## Typical Borrower Profile

- **Average Loan Amount:** $490,838
- **Average Borrower Income:** $191,917
- **Average Property Value:** $654,585

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 80/100 | 1,978 | +0.160% | $2,627 | Strong 😀 |
| FHA | 78/100 | 336 | +0.297% | $1,881 | Strong 😀 |
| VA | 80/100 | 402 | -0.274% | $2,081 | Strong 😀 |
| Jumbo | 75/100 | 52 | +0.296% | $1,957 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,852 loans, Score: 80/100 (Exceptional)
- Refinance: 126 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 322 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 392 loans, Score: 80/100 (Strong)

**Jumbo:**
- Purchase: 47 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 2,618 | $1.3B | +0.115% | Exceptional 🤩 |
| Refinance | 63/100 | 155 | $67M | +0.174% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 1,467 | 1.36% | 93/100 |
| NC | 507 | 0.34% | 74/100 |
| WV | 223 | 1.44% | 82/100 |
| MD | 190 | 0.27% | 69/100 |
| SC | 111 | 0.14% | 64/100 |
| DC | 68 | 1.19% | 69/100 |
| TN | 51 | 0.06% | 52/100 |
| FL | 44 | 0.01% | 45/100 |
| GA | 39 | 0.03% | 48/100 |
| PA | 21 | 0.02% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Arlington | VA-WV | 1,308 | 98/100 |
| Non |  | 313 | 64/100 |
| Washington, DC | DC-MD | 117 | 73/100 |
| Wilmington, NC | NC | 94 | 75/100 |
| Charlotte | NC-SC | 88 | 64/100 |
| Frederick | MD | 71 | 68/100 |
| Morgantown, WV | WV | 65 | 78/100 |
| Winchester, VA | VA-WV | 65 | 80/100 |
| Raleigh | NC | 56 | 60/100 |
| Hagerstown | MD-WV | 55 | 67/100 |
| Baltimore | MD | 48 | 56/100 |
| Richmond, VA | VA | 36 | 55/100 |
| Charleston | SC | 29 | 54/100 |
| Durham | NC | 25 | 53/100 |
| Columbia, SC | SC | 24 | 51/100 |

## Where This Lender Ranks

INTERCOASTAL MORTGAGE, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Winchester, VA
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders)
- 🥇 **#1** in Winchester, VA Mortgage Companies
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Winchester, VA for FHA Loans
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Winchester, VA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Morgantown, WV Mortgage Companies
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in West Virginia Mortgage Companies
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Washington DC Mortgage Companies
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Winchester, VA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Morgantown, WV for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Hagerstown Mortgage Companies
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Arlington Mortgage Companies
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in West Virginia for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Winchester, VA for Conventional Loans
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Winchester, VA for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Virginia Mortgage Companies
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Wilmington, NC Mortgage Companies
  - [View Full Rankings](https://saferate.com/wilmington-nc/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Winchester, VA for VA Loans
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Morgantown, WV for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Morgantown, WV for FHA Loans
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Virginia for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/mortgage-companies/fha-loans)

## Frequently Asked Questions

### What loan types does INTERCOASTAL MORTGAGE, LLC offer?

INTERCOASTAL MORTGAGE, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does INTERCOASTAL MORTGAGE, LLC offer mortgages?

INTERCOASTAL MORTGAGE, LLC offers mortgages in 19 states: AL, AZ, CA, CO, DC, DE, FL, GA, KY, MD, NC, NV, OH, PA, SC, TN, TX, VA, WV.

### How competitive are INTERCOASTAL MORTGAGE, LLC's mortgage rates?

INTERCOASTAL MORTGAGE, LLC has a pricing score of 49/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.119% above market average.

### What type of lender is INTERCOASTAL MORTGAGE, LLC?

INTERCOASTAL MORTGAGE, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Roanoke, VA.

### What is INTERCOASTAL MORTGAGE, LLC's loan approval success rate?

INTERCOASTAL MORTGAGE, LLC has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/intercoastal-mortgage

### How to Cite

> "INTERCOASTAL MORTGAGE, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/intercoastal-mortgage

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