Intercoastal Mortgage Company Rates, Fees & Info
FAIRFAX, VALEI: 549300BM4NS8HDJT3X28
Tax ID: 52-1597440
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Mortgage Data
Review & Overview
Intercoastal Mortgage Company is a small mortgage company specializing in Home Purchase loans. Intercoastal Mortgage Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Washington, Charlotte, Baltimore, Myrtle Beach, and Wilmington among others. We have data for 133 markets. (Some data included below & more in-depth data is available with an active subscription.)Intercoastal Mortgage Company 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. Intercoastal Mortgage Company is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.38% | 4/21/24 |
| 30 Year Conventional Refi | 6.44% | 4/21/24 |
| 30 Year Cash-out Refi | 6.59% | 4/21/24 |
| 30 Year FHA Purchase | 7.07% | 4/21/24 |
| 30 Year FHA Refi | 7.06% | 4/21/24 |
| 30 Year VA Purchase | 6.10% | 4/21/24 |
| 30 Year VA Refi | 5.86% | 4/21/24 |
| 30 Year USDA Purchase | 6.75% | 4/21/24 |
| 15 Year Conventional Purchase | 6.00% | 4/21/24 |
| 15 Year Conventional Refi | 5.83% | 4/21/24 |
| 15 Year Cash-out Refi | 5.83% | 4/21/24 |
| 15 Year VA Purchase | 4.46% | 4/21/24 |
| 15 Year VA Refi | 5.68% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Intercoastal Mortgage Company Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,663Origination Dollar Volume (All Markets)
$2,190,125,000Awards
INTERCOASTAL MORTGAGE COMPANY - 2022
INTERCOASTAL MORTGAGE COMPANY is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2,450 | $1,443,160,000 | $589,045 | $10,135 | 4.39% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 184 | $64,390,000 | $349,946 | $7,904 | 4.65% |
| Outside of Metro Areas | 157 | $50,925,000 | $324,363 | $7,404 | 4.83% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 104 | $47,260,000 | $454,423 | $9,000 | 4.77% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 142 | $43,660,000 | $307,465 | $5,405 | 4.82% |
| WILMINGTON, NC (FHA|USDA|VA) | 83 | $35,215,000 | $424,277 | $6,935 | 4.62% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 92 | $29,510,000 | $320,761 | $6,868 | 4.88% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 83 | $27,305,000 | $328,976 | $7,725 | 5.05% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 62 | $23,500,000 | $379,032 | $7,078 | 4.59% |
| MORGANTOWN, WV (FHA|USDA|VA) | 91 | $22,045,000 | $242,253 | $5,025 | 4.74% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 60 | $21,410,000 | $356,833 | $8,287 | 4.79% |
| RICHMOND, VA (FHA|USDA|VA) | 55 | $20,925,000 | $380,455 | $7,622 | 4.55% |
| ROANOKE, VA (FHA|USDA|VA) | 72 | $17,720,000 | $246,111 | $5,697 | 4.53% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 63 | $17,405,000 | $276,270 | $6,391 | 4.72% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 46 | $14,830,000 | $322,391 | $8,118 | 4.46% |
| COLUMBIA, SC (FHA|USDA|VA) | 37 | $14,445,000 | $390,405 | $7,088 | 4.88% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 19 | $13,865,000 | $729,737 | $12,608 | 4.32% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 31 | $13,415,000 | $432,742 | $10,069 | 4.29% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 47 | $13,135,000 | $279,468 | $5,827 | 4.68% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 30 | $12,420,000 | $414,000 | $8,435 | 4.52% |
| Clarksburg, WV (FHA|USDA|VA) | 49 | $11,335,000 | $231,327 | $5,430 | 4.69% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 33 | $10,845,000 | $328,636 | $9,066 | 5.42% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 38 | $10,730,000 | $282,368 | $8,099 | 4.60% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 36 | $9,570,000 | $265,833 | $6,134 | 5.09% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 23 | $8,695,000 | $378,043 | $8,588 | 5.12% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 23 | $8,605,000 | $374,130 | $9,407 | 4.94% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 18 | $8,200,000 | $455,556 | $10,927 | 4.35% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 17 | $6,335,000 | $372,647 | $9,002 | 3.83% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $6,305,000 | $485,000 | $7,744 | 4.49% |
| BURLINGTON, NC (FHA|USDA|VA) | 16 | $6,280,000 | $392,500 | $8,546 | 5.17% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 16 | $5,570,000 | $348,125 | $9,091 | 5.15% |
| COLUMBUS, OH (FHA|USDA|VA) | 15 | $5,205,000 | $347,000 | $8,427 | 4.90% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 21 | $5,175,000 | $246,429 | $7,532 | 4.91% |
| Morehead City, NC (FHA|USDA|VA) | 12 | $4,870,000 | $405,833 | $5,463 | 4.23% |
| Lumberton, NC (FHA|USDA|VA) | 18 | $4,730,000 | $262,778 | $7,292 | 5.35% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 11 | $4,505,000 | $409,545 | $7,994 | 4.24% |
| SAVANNAH, GA (FHA|USDA|VA) | 10 | $4,390,000 | $439,000 | $8,247 | 4.79% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 6 | $4,250,000 | $708,333 | $10,543 | 4.54% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 8 | $3,850,000 | $481,250 | $11,482 | 4.56% |
| Sanford, NC (FHA|USDA|VA) | 12 | $3,730,000 | $310,833 | $6,465 | 5.20% |
| PITTSBURGH, PA (FHA|USDA|VA) | 9 | $3,705,000 | $411,667 | $7,521 | 4.58% |
| Mount Airy, NC (FHA|USDA|VA) | 15 | $3,665,000 | $244,333 | $6,277 | 4.55% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 7 | $3,575,000 | $510,714 | $13,792 | 3.98% |
| NEW BERN, NC (FHA|USDA|VA) | 14 | $3,450,000 | $246,429 | $5,717 | 4.36% |
| Wilson, NC (FHA|USDA|VA) | 14 | $3,110,000 | $222,143 | $8,007 | 5.16% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $2,965,000 | $423,571 | $9,443 | 5.27% |
| Fairmont, WV (FHA|USDA|VA) | 21 | $2,955,000 | $140,714 | $3,976 | 4.74% |
| North Wilkesboro, NC (FHA|USDA|VA) | 11 | $2,905,000 | $264,091 | $8,412 | 4.62% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $2,735,000 | $390,714 | $8,568 | 4.28% |
| LYNCHBURG, VA (FHA|USDA|VA) | 8 | $2,550,000 | $318,750 | $6,059 | 4.23% |
| SPARTANBURG, SC (FHA|USDA|VA) | 6 | $2,510,000 | $418,333 | $9,043 | 5.31% |
| Easton, MD (FHA|USDA|VA) | 5 | $2,335,000 | $467,000 | $8,532 | 4.04% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 5 | $2,325,000 | $465,000 | $10,026 | 3.98% |
| Laurinburg, NC (FHA|USDA|VA) | 9 | $2,305,000 | $256,111 | $5,769 | 5.77% |
| GOLDSBORO, NC (FHA|USDA|VA) | 9 | $2,285,000 | $253,889 | $6,238 | 4.85% |
| FLORENCE, SC (FHA|USDA|VA) | 8 | $2,280,000 | $285,000 | $5,358 | 6.10% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 5 | $2,245,000 | $449,000 | $7,078 | 3.93% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $2,220,000 | $555,000 | $12,258 | 4.78% |
| Rockingham, NC (FHA|USDA|VA) | 8 | $2,170,000 | $271,250 | $6,553 | 4.98% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $2,105,000 | $300,714 | $6,917 | 4.93% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 9 | $2,075,000 | $230,556 | $7,227 | 5.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $2,075,000 | $415,000 | $10,511 | 5.85% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $2,045,000 | $409,000 | $5,999 | 4.88% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,985,000 | $397,000 | $11,992 | 5.92% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 6 | $1,750,000 | $291,667 | $6,038 | 4.69% |
| Albemarle, NC (FHA|USDA|VA) | 6 | $1,740,000 | $290,000 | $7,023 | 4.97% |
| Boone, NC (FHA|USDA|VA) | 5 | $1,725,000 | $345,000 | $5,881 | 5.10% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $1,695,000 | $1,695,000 | $10,081 | 3.00% |
| St. Marys, GA (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $5,017 | 5.37% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $1,555,000 | $518,333 | $7,933 | 4.16% |
| Kinston, NC (FHA|USDA|VA) | 7 | $1,545,000 | $220,714 | $5,428 | 5.21% |
| GREENVILLE, NC (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $3,054 | 4.10% |
| Henderson, NC (FHA|USDA|VA) | 7 | $1,525,000 | $217,857 | $6,175 | 5.04% |
| SUMTER, SC (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $4,652 | 5.78% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 7 | $1,325,000 | $189,286 | $4,146 | 4.34% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $6,170 | 5.13% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $7,868 | 5.88% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $12,912 | 5.08% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $1,150,000 | $575,000 | $12,681 | 5.87% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $4,872 | 5.42% |
| Forest City, NC (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $2,892 | 4.35% |
| Washington, NC (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $0 | 4.20% |
| HARRISONBURG, VA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $7,331 | 5.21% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $8,097 | 5.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,038 | 3.71% |
| Shelby, NC (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $6,401 | 4.88% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $8,379 | 2.88% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $4,972 | 4.06% |
| Bennettsville, SC (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $7,829 | 5.38% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $6,149 | 5.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,955 | 5.49% |
| DOVER, DE (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $9,249 | 3.94% |
| Elkins, WV (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $4,856 | 3.54% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $4,409 | 2.75% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $5,017 | 4.88% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $13,142 | 5.13% |
| Durango, CO (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $7,728 | 4.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $13,222 | 3.50% |
| Danville, VA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $4,776 | 4.38% |
| ERIE, PA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $5,353 | 5.88% |
| Gaffney, SC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,759 | 4.94% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,447 | 5.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $10,913 | 3.75% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $3,359 | 4.95% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $9,388 | 3.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,705 | 3.75% |
| Montrose, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,259 | 3.88% |
| Newberry, SC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $16,818 | 3.38% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $9,156 | 3.88% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $5,026 | 3.88% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 7.13% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,308 | 4.88% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,502 | 6.13% |
| WHEELING, WV-OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,924 | 3.94% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,270 | 5.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,152 | 3.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $11,940 | 5.63% |
| CHARLESTON, WV (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $3,147 | 4.21% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $12,950 | 5.38% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,236 | 5.88% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,777 | 3.99% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,188 | 5.38% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,132 | 5.50% |
| Indiana, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,693 | 3.50% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,590 | 3.50% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,415 | 6.62% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,106 | 4.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,981 | 4.49% |
| Seneca, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,807 | 4.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,732 | 6.62% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,040 | 7.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,381 | 4.38% |
| Marion, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,451 | 3.88% |
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Product Mix
For 2022, Intercoastal Mortgage Company's most frequently originated type of loan was Conventional, with 3,695 originations. Their 2nd most popular type was VA, with 524 originations.
Loan Reason
For 2022, Intercoastal Mortgage Company's most frequently cited loan purpose was Home Purchase, with 4,281 originations. The 2nd most popular reason was Cash Out Refi, with 229 originations.
Loan Duration/Length
For 2022, Intercoastal Mortgage Company's most frequently cited loan duration was 30 Year, with 4,525 originations. The 2nd most popular length was 15 Year, with 116 originations.
Origination Fees/Closing Costs
Intercoastal Mortgage Company's average total fees were $9,009, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,470 originations.
Interest Rates
During 2022, Intercoastal Mortgage Company's average interest rate for loans was 4.59%, while their most frequently originated rate bucket for loans was 3-4%, with 1,663 originations.
Loan Sizing
2022 saw Intercoastal Mortgage Company place emphasis on $200k-400k loans with 1,750 originations, totaling $518,390,000 in origination value.
Applicant Income
Intercoastal Mortgage Company lent most frequently to those with incomes in the $150k-250k range, with 1,245 originations. The second most popular income band? $100k-150k, with 1,096 originations.
Applicant Debt to Income Ratio
Intercoastal Mortgage Company lent most frequently to those with DTI ratios of 20-30%, with 1,016 originations. The next most common DTI ratio? 30-36%, with 913 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.60%
Intercoastal Mortgage Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination69.93%
Intercoastal Mortgage Company 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 | 4,663 | $2,190,125,000 | $469,682 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,663 | $2,190,125,000 | $469,682 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| INTERFIRST MORTGAGE COMPANY | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |