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INTERCOASTAL MORTGAGE, LLC
Independent Mortgage Company|Roanoke, VA|Multi-Region
Loans Originated
2,773
Applications
3,490
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.119%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,457
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
79.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
INTERCOASTAL MORTGAGE, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 26 metro areas · 19 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$490,838
Average Borrower Income
$191,917
Average Property Value
$654,585
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 1,978 | 71.3% | +0.160% | $2,627 |
FHA Loans | Strong | Strong | Strong | Strong | 336 | 12.1% | +0.297% | $1,881 |
VA Loans | Strong | Strong | Sound | Exceptional | 402 | 14.5% | -0.274% | $2,081 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 52 | 1.9% | +0.296% | $1,957 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 2,618 | 94.4% | +0.115% | $2,469 |
Refinance | Strong | Strong | Sound | Strong | 155 | 5.6% | +0.174% | $2,292 |
Geographic Coverage
Metro Areas
25
States Served
19
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Arlington, VA-WVMSA
Volume: 1,308Mix: 47.17%
Place Specialization
Exceptional
2
Winchester, VA, VA-WVMSA
Volume: 65Mix: 2.34%
Place Specialization
Exceptional
3
Morgantown, WV, WVMSA
Volume: 65Mix: 2.34%
Place Specialization
Strong
4
Wilmington, NC, NCMSA
Volume: 94Mix: 3.39%
Place Specialization
Strong
5
Washington, DC, DC-MDMSA
Volume: 117Mix: 4.22%
Place Specialization
Strong
6
Frederick, MDMSA
Volume: 71Mix: 2.56%
Place Specialization
Strong
7
Hagerstown, MD-WVMSA
Volume: 55Mix: 1.98%
Place Specialization
Strong
8
Charlotte, NC-SCMSA
Volume: 88Mix: 3.17%
Place Specialization
Strong
9
Raleigh, NCMSA
Volume: 56Mix: 2.02%
Place Specialization
Sound
10
Baltimore, MDMSA
Volume: 48Mix: 1.73%
Place Specialization
Sound
Showing 10 of 25 metro areas
Top States by Place Specialization Score
1
VAState
Volume: 1,467Mix: 52.90%
Place Specialization
Exceptional
2
WVState
Volume: 223Mix: 8.04%
Place Specialization
Exceptional
3
NCState
Volume: 507Mix: 18.28%
Place Specialization
Strong
4
MDState
Volume: 190Mix: 6.85%
Place Specialization
Strong
5
DCState
Volume: 68Mix: 2.45%
Place Specialization
Strong
6
SCState
Volume: 111Mix: 4.00%
Place Specialization
Strong
7
TNState
Volume: 51Mix: 1.84%
Place Specialization
Sound
8
GAState
Volume: 39Mix: 1.41%
Place Specialization
Sound
9
FLState
Volume: 44Mix: 1.59%
Place Specialization
Sound
10
PAState
Volume: 21Mix: 0.76%
Place Specialization
Sound
Showing 10 of 12 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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