Intelliloan Mortgage Rates, Fees & Info
ORANGE, CALEI: 549300Q6YL1SFVPEGV90
Tax ID: 95-4449805
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Mortgage Data
Review & Overview
Intelliloan is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Intelliloan has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Riverside, Phoenix, San Francisco, and Miami among others. We have data for 62 markets. (Some data included below & more in-depth data is available with an active subscription.)Intelliloan 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. Intelliloan 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 relatively high 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.87% | 11/17/24 |
| 30 Year Conventional Refi | 6.41% | 11/17/24 |
| 30 Year Cash-out Refi | 6.79% | 11/17/24 |
| 30 Year FHA Purchase | 6.62% | 11/17/24 |
| 30 Year FHA Refi | 7.04% | 11/17/24 |
| 30 Year VA Refi | 5.91% | 11/17/24 |
| 15 Year Conventional Purchase | 5.52% | 11/17/24 |
| 15 Year Conventional Refi | 5.81% | 11/17/24 |
| 15 Year Cash-out Refi | 5.81% | 11/17/24 |
| 15 Year VA Refi | 5.68% | 11/17/24 |
| 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. | ||
Intelliloan Mortgage Calculator
Your Estimates
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This is not an official calculator from Intelliloan. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
381Origination Dollar Volume (All Markets)
$80,615,000Awards
INTELLILOAN - 2023
INTELLILOAN is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Intelliloan's average 30 year fixed mortgage rate was
8.75%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 2.27%.
Relative Fees (Closing Costs)
Intelliloan's average total fees/closing costs for a 30 year fixed rate
mortgage were $11,165.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 91 | $26,285,000 | $288,846 | $11,545 | 8.91% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 59 | $10,405,000 | $176,356 | $8,776 | 8.88% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 33 | $5,725,000 | $173,485 | $7,828 | 8.70% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 22 | $3,040,000 | $138,182 | $7,108 | 9.84% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 11 | $2,135,000 | $194,091 | $10,080 | 8.24% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $2,045,000 | $409,000 | $7,032 | 6.22% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 15 | $1,985,000 | $132,333 | $6,568 | 9.87% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 5 | $1,835,000 | $367,000 | $6,726 | 5.98% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $1,795,000 | $598,333 | $36,540 | 7.71% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 10 | $1,540,000 | $154,000 | $5,288 | 10.40% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $11,216 | 6.93% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $1,205,000 | $241,000 | $13,360 | 7.80% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $1,180,000 | $196,667 | $8,180 | 8.27% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $11,238 | 7.20% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $15,760 | 8.29% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $7,236 | 8.63% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $6,887 | 8.35% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $7,974 | 9.40% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $4,392 | 7.23% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $9,173 | 7.25% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $705,000 | $100,714 | $4,479 | 9.77% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $6,606 | 7.24% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $24,136 | 8.50% |
| OCALA, FL (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $7,206 | 8.13% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $595,000 | $119,000 | $0 | 10.73% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $7,536 | 8.13% |
| MODESTO, CA (FHA|USDA|VA) | 6 | $530,000 | $88,333 | $3,819 | 10.33% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $18,925 | 9.17% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $24,833 | 6.50% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $8,588 | 6.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $6,258 | 9.16% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $6,492 | 6.25% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $415,000 | $83,000 | $4,145 | 10.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $9,221 | 6.38% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,572 | 5.88% |
| Fernley, NV (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,298 | 6.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,287 | 6.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $9,204 | 9.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,505 | 6.25% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,532 | 6.88% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 7.37% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,024 | 7.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,268 | 6.75% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,351 | 6.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $4,222 | 9.92% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,906 | 5.99% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $13,059 | 5.88% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,728 | 9.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,292 | 8.50% |
| Key West, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,137 | 6.75% |
| MERCED, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 10.75% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 10.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,414 | 6.75% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,962 | 5.75% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,941 | 8.50% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,766 | 5.75% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.25% |
| NAPA, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 10.75% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,550 | 9.75% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.75% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.00% |
| MADERA, CA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.75% |
Similar Lenders
We use machine learning to identify the top lenders compared against INTELLILOAN based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2023, Intelliloan's most frequently originated type of loan was HELOC, with 165 originations. Their 2nd most popular type was Conventional, with 126 originations.
Loan Reason
For 2023, Intelliloan's most frequently cited loan purpose was Cash Out Refi, with 304 originations. The 2nd most popular reason was Refi, with 39 originations.
Loan Duration/Length
For 2023, Intelliloan's most frequently cited loan duration was 30 Year, with 309 originations. The 2nd most popular length was 20 Year, with 31 originations.
Origination Fees/Closing Costs
Intelliloan's average total fees were $11,165, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 72 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 230 | $25,670,000 | $111,609 |
| 6-7% | 78 | $30,630,000 | $392,692 |
| 5-6% | 53 | $15,885,000 | $299,717 |
| 7-8% | 19 | $8,245,000 | $433,947 |
| 4-5% | 1 | $185,000 | $185,000 |
During 2023, Intelliloan's average interest rate for loans was 8.75%, while their most frequently originated rate bucket for loans was Over 8%, with 230 originations.
Loan Sizing
2023 saw Intelliloan place emphasis on $100,000 or less loans with 129 originations, totaling $9,005,000 in origination value.
Applicant Income
Intelliloan lent most frequently to those with incomes in the $100k-150k range, with 113 originations. The second most popular income band? $150k-250k, with 87 originations.
Applicant Debt to Income Ratio
Intelliloan lent most frequently to those with DTI ratios of 44%, with 83 originations. The next most common DTI ratio? 30-36%, with 39 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.48%
Intelliloan has an average approval rate.
Pick Rate
Approvals leading to origination-29.92%
Intelliloan 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 | 381 | $80,615,000 | $211,588 |