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 Home Purchase loans. Isb Capital has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Dallas, Austin, San Antonio, and Tyler among others. We have data for 6 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.

    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

    50

    Origination Dollar Volume (All Markets)

    $10,810,000

    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) 36 $7,160,000 $198,889 $0 9.91%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 6 $1,690,000 $281,667 $0 10.91%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $1,225,000 $408,333 $0 9.66%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $455,000 $151,667 $0 10.99%
    TYLER, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 8.99%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.99%
    Isb Capital's top markets include Houston, Dallas, Austin, San Antonio, and Tyler among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 50 $10,810,000 $216,200 $0 10.06%

    For 2020, Isb Capital's most frequently originated type of loan was Conventional, with 50 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 50 $10,810,000 $216,200 $0 10.06%

    For 2020, Isb Capital's most frequently cited loan purpose was Home Purchase, with 50 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 50 $10,810,000 $216,200 $0 10.06%

    For 2020, Isb Capital's most frequently cited loan duration was Other, with 50 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 43 $9,045,000 $210,349
    7-8% 5 $1,395,000 $279,000
    6-7% 2 $370,000 $185,000

    During 2020, Isb Capital's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 43 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 28 $3,960,000 $141,429 $0 10.25%
    $200k-400k 18 $4,760,000 $264,444 $0 9.77%
    $600k-1MM 3 $2,005,000 $668,333 $0 9.50%
    $100,000 or less 1 $85,000 $85,000 $0 11.99%

    2020 saw Isb Capital place emphasis on $100k-200k loans with 28 originations, totaling $3,960,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 6 $1,220,000 $203,333 $0 9.83%
    $75k-100k 6 $1,310,000 $218,333 $0 10.33%
    $50k-75k 5 $655,000 $131,000 $0 9.79%
    $150k-250k 2 $840,000 $420,000 $0 9.75%
    $250k+ 1 $315,000 $315,000 $0 10.00%
    $50k or less 1 $305,000 $305,000 $0 9.00%

    Isb Capital lent most frequently to those with incomes in the $100k-150k range, with 6 originations. The second most popular income band? $75k-100k, with 6 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 29 $6,165,000 $212,586 $0 10.17%
    White 18 $4,280,000 $237,778 $0 9.74%
    Not provided 3 $365,000 $121,667 $0 10.99%

    Approval Rates

    Total approvals of all applications
    100.00%

    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 origination

    Points and Fees

    Points Originations Total Value Average Loan
    NA 50 $10,810,000 $216,200

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 50 $10,810,000 $216,200