Interaudi Bank Mortgage Rates, Fees & Info

New York, NY

LEI: 3T5M8FX6V6B82KVKOB17

Tax ID: 13-3148430

Latest/2023 | 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
  • Complaints
  • 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

    Interaudi Bank is a smaller bank specializing in Home Purchase loans. Interaudi Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Miami, Bridgeport, Eugene, and Washington among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Interaudi Bank has an above 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

    55

    Origination Dollar Volume (All Markets)

    $75,785,000

    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
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 27 $45,525,000 $1,686,111 $0 0.00%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 24 $26,370,000 $1,098,750 $0 0.00%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $2,205,000 $2,205,000 $0 0.00%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $605,000 $605,000 $0 0.00%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $575,000 $575,000 $0 0.00%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $505,000 $505,000 $0 0.00%
    Interaudi Bank's top markets include New York, Miami, Bridgeport, Eugene, and Washington among others.

    Their top states include:
  • New York (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Connecticut (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 55 $75,785,000 $1,377,909 $0 0.00%

    For 2022, Interaudi Bank's most frequently originated type of loan was Conventional, with 55 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 38 $60,840,000 $1,601,053 $0 0.00%
    Refi 12 $6,580,000 $548,333 $0 0.00%
    Cash Out Refi 5 $8,365,000 $1,673,000 $0 0.00%

    For 2022, Interaudi Bank's most frequently cited loan purpose was Home Purchase, with 38 originations. The 2nd most popular reason was Refi, with 12 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 55 $75,785,000 $1,377,909 $0 0.00%

    For 2022, Interaudi Bank's most frequently cited loan duration was Other, with 55 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 22 $57,850,000 $2,629,545 $0 0.00%
    $600k-1MM 13 $9,305,000 $715,769 $0 0.00%
    $400k-600k 12 $6,170,000 $514,167 $0 0.00%
    $200k-400k 8 $2,460,000 $307,500 $0 0.00%

    2022 saw Interaudi Bank place emphasis on $1MM+ loans with 22 originations, totaling $57,850,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 4 $7,740,000 $1,935,000 $0 0.00%
    $100k-150k 1 $1,005,000 $1,005,000 $0 0.00%
    $150k-250k 1 $495,000 $495,000 $0 0.00%

    Interaudi Bank lent most frequently to those with incomes in the $250k+ range, with 4 originations. The second most popular income band? $100k-150k, with 1 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 55 $75,785,000 $1,377,909 $0 0.00%

    Interaudi Bank lent most frequently to those with DTI ratios of Exempt%, with 55 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 49 $66,545,000 $1,358,061 $0 0.00%
    Not provided 5 $7,235,000 $1,447,000 $0 0.00%
    White 1 $2,005,000 $2,005,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    Interaudi Bank 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
    80.00%

    Interaudi Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 55 $75,785,000 $1,377,909

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    55 $75,785,000 $1,377,909

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    INTERFIRST MORTGAGE COMPANY Conventional home mortgage Closing on a mortgage 1 100.0%