Isb Capital Mortgage Rates, Fees & Info
Friendswood, TXLEI: 25490087M8OYX68SQN42
Tax ID: 20-2938436
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Mortgage Data
Review & Overview
Isb Capital is a smaller mortgage company specializing in Home Purchase loans. Isb Capital has a high proportion of conventional loans. Their top two markets are Houston and Dallas .Isb Capital has an above average approval rate when compared to the average across all lenders.
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Originations
6Origination Dollar Volume (All Markets)
$1,220,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $0 | 11.89% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 11.99% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 6 | $1,220,000 | $203,333 | $0 | 11.91% |
For 2024, Isb Capital's most frequently originated type of loan was Conventional, with 6 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 6 | $1,220,000 | $203,333 | $0 | 11.91% |
For 2024, Isb Capital's most frequently cited loan purpose was Home Purchase, with 6 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 6 | $1,220,000 | $203,333 | $0 | 11.91% |
For 2024, Isb Capital's most frequently cited loan duration was Other, with 6 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 6 | $1,220,000 | $203,333 |
During 2024, Isb Capital's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 6 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-200k | 4 | $550,000 | $137,500 | $0 | 11.87% |
| $200k-400k | 2 | $670,000 | $335,000 | $0 | 11.99% |
2024 saw Isb Capital place emphasis on $100k-200k loans with 4 originations, totaling $550,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-150k | 1 | $145,000 | $145,000 | $0 | 11.50% |
Isb Capital lent most frequently to those with incomes in the $100k-150k range, with 1 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 5 | $1,075,000 | $215,000 | $0 | 11.99% |
| White | 1 | $145,000 | $145,000 | $0 | 11.50% |
Approval Rates
Total approvals of all applications100.00%
Isb Capital has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6 | $1,220,000 | $203,333 |