Isb Capital Mortgage Rates, Fees & Info

Friendswood, TX

LEI: 25490087M8OYX68SQN42

Tax ID: 20-2938436

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Isb Capital is a smaller mortgage company specializing in NA loans. Isb Capital has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Austin, Dallas, Beaumont, and Sherman among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Isb Capital has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    85

    Origination Dollar Volume (All Markets)

    $18,045,000

    Top 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) 46 $8,430,000 $183,261 $0 0.00%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 12 $6,370,000 $530,833 $0 0.00%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 10 $1,590,000 $159,000 $0 0.00%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 6 $770,000 $128,333 $0 0.00%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $440,000 $220,000 $0 0.00%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $230,000 $115,000 $0 0.00%
    TYLER, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 0.00%
    Huntsville, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 0.00%
    Outside of Metro Areas 5 $25,000 $5,000 $0 0.00%
    Isb Capital's top markets include Houston, Austin, Dallas, Beaumont, and Sherman among others.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 85 $18,045,000 $212,294 $0 0.00%

    For 2018, Isb Capital's most frequently originated type of loan was Conventional, with 85 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    NA 85 $18,045,000 $212,294 $0 0.00%

    For 2018, Isb Capital's most frequently cited loan purpose was NA, with 85 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 85 $18,045,000 $212,294 $0 0.00%

    For 2018, Isb Capital's most frequently cited loan duration was Other, with 85 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 36 $4,990,000 $138,611 $0 0.00%
    $200k-400k 25 $6,865,000 $274,600 $0 0.00%
    $100,000 or less 16 $860,000 $53,750 $0 0.00%
    $600k-1MM 7 $4,805,000 $686,429 $0 0.00%
    $400k-600k 1 $525,000 $525,000 $0 0.00%

    2018 saw Isb Capital place emphasis on $100k-200k loans with 36 originations, totaling $4,990,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 30 $6,170,000 $205,667 $0 0.00%
    $100k-150k 20 $4,510,000 $225,500 $0 0.00%
    $250k+ 13 $3,655,000 $281,154 $0 0.00%
    $50k-75k 12 $1,510,000 $125,833 $0 0.00%
    $75k-100k 7 $1,505,000 $215,000 $0 0.00%
    $50k or less 2 $460,000 $230,000 $0 0.00%

    Isb Capital lent most frequently to those with incomes in the $150k-250k range, with 30 originations. The second most popular income band? $100k-150k, with 20 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 82 $17,410,000 $212,317 $0 0.00%
    White 2 $530,000 $265,000 $0 0.00%
    Black 1 $105,000 $105,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    87.95%

    Isb Capital has an average approval rate.

    Pick Rate

    Approvals leading to origination
    31.76%

    Isb Capital has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 85 $18,045,000 $212,294

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 85 $18,045,000 $212,294