Intelliloan Mortgage Rates, Fees & Info

ORANGE, CA

LEI: 549300Q6YL1SFVPEGV90

Tax ID: 95-4449805

1 stars - Updated: 3/28/24 - out of 5 stars, based on 20 reviews

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

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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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.87% 3/28/24
30 Year Conventional Refi 6.41% 3/28/24
30 Year Cash-out Refi 6.79% 3/28/24
30 Year FHA Purchase 6.62% 3/28/24
30 Year FHA Refi 7.04% 3/28/24
30 Year VA Refi 5.91% 3/28/24
15 Year Conventional Purchase 5.52% 3/28/24
15 Year Conventional Refi 5.81% 3/28/24
15 Year Cash-out Refi 5.81% 3/28/24
15 Year VA Refi 5.68% 3/28/24
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

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Intelliloan. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

381

Origination Dollar Volume (All Markets)

$80,615,000

Awards

INTELLILOAN FHA Loans silver
Show all (1) awards

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%
Intelliloan's top markets include Los Angeles, Riverside, Phoenix, San Francisco, and Miami among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • 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.

    Los Angeles Federal Credit Union
    Similarity Rank: 72
    MISSION
    Similarity Rank: 93
    VENTURA COUNTY
    Similarity Rank: 96
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 126
    N C P D Federal Credit Union
    Similarity Rank: 126
    Columbia Bank
    Similarity Rank: 156
    GREATER ALLIANCE
    Similarity Rank: 168
    Blue Foundry Bank
    Similarity Rank: 188
    PCSB Bank
    Similarity Rank: 207

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 165 $17,475,000 $105,909 n/a 10.75%
    Conventional 126 $28,040,000 $222,540 $6,452 7.88%
    FHA 65 $25,755,000 $396,231 $14,322 6.22%
    VA 19 $7,755,000 $408,158 $8,338 6.29%
    FHA 6 $1,590,000 $265,000 $0 7.67%

    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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 304 $47,390,000 $155,888 $8,421 9.31%
    Refi 39 $14,685,000 $376,538 $7,785 6.52%
    Home Purchase 37 $18,465,000 $499,054 $14,958 6.62%
    Other 1 $75,000 $75,000 $0 8.08%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 309 $71,075,000 $230,016 $11,165 8.75%
    20 Year 31 $3,645,000 $117,581 $5,052 9.25%
    15 Year 23 $2,415,000 $105,000 $4,852 8.52%
    10 Year 9 $785,000 $87,222 $4,447 8.60%
    Other 7 $2,565,000 $366,429 $33,638 8.08%
    5 Year 2 $130,000 $65,000 $3,894 8.00%

    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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 72 $32,170,000 $446,806
    $3k-4k 47 $6,365,000 $135,426
    $2k-3k 35 $5,855,000 $167,286
    $4k-5k 22 $4,590,000 $208,636
    $<1k 20 $7,540,000 $377,000
    $1k-2k 4 $1,130,000 $282,500

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 129 $9,005,000 $69,806 $4,151 10.32%
    $100k-200k 113 $15,085,000 $133,496 $5,683 9.20%
    $200k-400k 89 $26,105,000 $293,315 $9,496 7.19%
    $400k-600k 34 $16,570,000 $487,353 $13,235 6.42%
    $600k-1MM 12 $8,730,000 $727,500 $22,459 6.70%
    $1MM+ 4 $5,120,000 $1,280,000 $30,623 6.87%

    2023 saw Intelliloan place emphasis on $100,000 or less loans with 129 originations, totaling $9,005,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 113 $21,375,000 $189,159 $10,165 9.16%
    $150k-250k 87 $17,155,000 $197,184 $9,832 9.28%
    $75k-100k 56 $9,050,000 $161,607 $8,942 8.93%
    $50k-75k 37 $5,135,000 $138,784 $8,788 8.82%
    $250k+ 34 $12,190,000 $358,529 $16,539 9.56%
    $50k or less 20 $2,950,000 $147,500 $5,661 6.38%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    44% 83 $10,055,000 $121,145 $5,717 9.98%
    30-36% 39 $8,375,000 $214,744 $9,371 8.91%
    20-30% 28 $3,600,000 $128,571 $6,151 9.27%
    43% 25 $3,545,000 $141,800 $8,402 9.29%
    42% 23 $2,525,000 $109,783 $5,752 9.47%
    50-60% 22 $8,510,000 $386,818 $15,584 6.17%
    41% 21 $4,155,000 $197,857 $7,559 9.29%
    39% 20 $4,790,000 $239,500 $13,064 9.64%
    40% 20 $4,070,000 $203,500 $11,104 9.55%
    38% 14 $2,980,000 $212,857 $13,204 8.97%
    37% 8 $1,290,000 $161,250 $6,408 8.31%
    36% 8 $1,050,000 $131,250 $5,629 9.17%
    49% 8 $3,640,000 $455,000 $12,867 7.05%
    45% 7 $3,065,000 $437,857 $18,677 6.63%
    <20% 5 $1,365,000 $273,000 $4,256 9.12%
    48% 4 $710,000 $177,500 $5,378 6.15%
    46% 4 $1,750,000 $437,500 $18,099 6.00%
    47% 2 $790,000 $395,000 $15,999 5.87%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 254 $55,790,000 $219,646 $9,779 8.78%
    Not provided 55 $9,755,000 $177,364 $7,259 8.96%
    Black 27 $5,975,000 $221,296 $8,435 8.17%
    Asian 33 $5,525,000 $167,424 $6,634 8.99%
    American Indian 5 $1,385,000 $277,000 $12,781 8.20%
    Native Hawaiian or Islander 4 $780,000 $195,000 $11,028 8.28%
    Filipino 2 $720,000 $360,000 $21,417 8.50%
    Vietnamese 1 $685,000 $685,000 $26,381 6.38%

    Approval Rates

    Total approvals of all applications
    89.48%

    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

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    381 $80,615,000 $211,588

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 61 $10,245,000 $167,951 $6,215 9.17%
    40-60% 28 $7,480,000 $267,143 $8,662 6.56%
    60-80% 35 $16,625,000 $475,000 $14,229 6.78%
    80-100% 61 $25,775,000 $422,541 $12,881 6.31%
    Over 100% 6 $2,440,000 $406,667 $7,362 5.96%
    Under 20% 190 $18,050,000 $95,000 $4,604 10.19%