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Intercoastal Mortgage

Independent Mortgage Company•Roanoke, VAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Intercoastal Mortgage — 2.8k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 25 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo loans

Explore another lender or local market

Report Card

Intercoastal Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+11.9 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 26 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume1,978
Mix71.3%
Spread
+0.160%Above
Fees
$2,627Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume336
Mix12.1%
Spread
+0.297%Above
Fees
$1,881Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Exceptional
Volume402
Mix14.5%
Spread
-0.274%Below
Fees
$2,081Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume52
Mix1.9%
Spread
+0.296%Above
Fees
$1,957Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Exceptional
Pricing
Sound
Pull Through
Strong
Volume2,618
Mix94.4%
Spread
+0.115%Above
Fees
$2,469Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume155
Mix5.6%
Spread
+0.174%Above
Fees
$2,292Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
2,773
Applications
3,490
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.119%
vs. market APOR
Avg Net Fees
$2,457
Origination − Credits
Pullthrough Rate
79.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$490,838
Avg Borrower Income
$191,917
Avg Property Value
$654,585

Geographic Coverage

Geographic Performance

Metro Areas
25
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

19
19 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest1
OH
South13
ALDCDEFLGAKYMDNCSCTNTXVAWV
West4
AZCACONV

Top Metro Areas by Place Specialization Score

1© Billy Hathorn · CC BY-SA 3.0
Arlington, VA-WVMetro
Volume 1,308Mix 47.17% of portfolio
98/100
Exceptional
2© Edward Beyer · Public domain
Winchester, VA, VA-WVMetro
Volume 65Mix 2.34% of portfolio
80/100
Exceptional
3© Andre Carrotflower · CC BY-SA 4.0
Morgantown, WVMetro
Volume 65Mix 2.34% of portfolio
78/100
Strong
4© Bjoertvedt · CC BY-SA 4.0
Wilmington, NCMetro
Volume 94Mix 3.39% of portfolio
75/100
Strong
5© Ad Meskens · CC BY-SA 3.0
Washington, DC, DC-MDMetro
Volume 117Mix 4.22% of portfolio
73/100
Strong
6© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 71Mix 2.56% of portfolio
68/100
Strong
7© Vpuliva · Public domain
Hagerstown, MD-WVMetro
Volume 55Mix 1.98% of portfolio
67/100
Strong
8© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 88Mix 3.17% of portfolio
64/100
Strong
9© Catherine from Brooklyn, NY · CC BY 2.0
Raleigh, NCMetro
Volume 56Mix 2.02% of portfolio
60/100
Sound
10© Andrew Parlette from Elkridge,MD, US · CC BY 2.0
Baltimore, MDMetro
Volume 48Mix 1.73% of portfolio
56/100
Sound
Showing 10 of 25 metro areas

Top States by Place Specialization Score

Virginia
Virginia
1
VirginiaState
Volume 1,467Mix 52.90% of portfolio
93/100
Exceptional
West Virginia
West Virginia
2
West VirginiaState
Volume 223Mix 8.04% of portfolio
82/100
Exceptional
North Carolina
North Carolina
3
North CarolinaState
Volume 507Mix 18.28% of portfolio
74/100
Strong
Maryland
Maryland
4
MarylandState
Volume 190Mix 6.85% of portfolio
69/100
Strong
Washington, DC
Washington, DC
5
Washington, DCState
Volume 68Mix 2.45% of portfolio
69/100
Strong
South Carolina
South Carolina
6
South CarolinaState
Volume 111Mix 4.00% of portfolio
64/100
Strong
Tennessee
Tennessee
7
TennesseeState
Volume 51Mix 1.84% of portfolio
52/100
Sound
Georgia
Georgia
8
GeorgiaState
Volume 39Mix 1.41% of portfolio
48/100
Sound
Florida
Florida
9
FloridaState
Volume 44Mix 1.59% of portfolio
45/100
Sound
Pennsylvania
Pennsylvania
10
PennsylvaniaState
Volume 21Mix 0.76% of portfolio
42/100
Sound
Showing 10 of 12 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.