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 markets by origination volume include: Houston, Austin, and Dallas among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Isb Capital has an above average approval rate when compared to the average across all lenders.
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Originations
15Origination Dollar Volume (All Markets)
$5,155,000Top 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) | 12 | $4,220,000 | $351,667 | $0 | 11.49% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $0 | 12.99% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 10.99% |
| Outside of Metro Areas | 1 | $175,000 | $175,000 | $0 | 9.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 15 | $5,155,000 | $343,667 | $0 | 11.39% |
For 2023, Isb Capital's most frequently originated type of loan was Conventional, with 15 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 15 | $5,155,000 | $343,667 | $0 | 11.39% |
For 2023, Isb Capital's most frequently cited loan purpose was Home Purchase, with 15 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 14 | $4,050,000 | $289,286 | $0 | 11.42% |
| 1 Year | 1 | $1,105,000 | $1,105,000 | $0 | 10.99% |
For 2023, Isb Capital's most frequently cited loan duration was Other, with 14 originations. The 2nd most popular length was 1 Year, with 1 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 15 | $5,155,000 | $343,667 |
During 2023, Isb Capital's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 15 originations.
Loan Sizing
2023 saw Isb Capital place emphasis on $200k-400k loans with 6 originations, totaling $1,860,000 in origination value.
Applicant Income
Isb Capital lent most frequently to those with incomes in the $250k+ range, with 7 originations. The second most popular income band? $150k-250k, with 3 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 11 | $4,225,000 | $384,091 | $0 | 11.26% |
| Not applicable | 4 | $930,000 | $232,500 | $0 | 11.74% |
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 | 15 | $5,155,000 | $343,667 |