International Bank Mortgage Rates, Fees & Info

AURORA, CO

LEI: 549300VHRDR8FOOKPQ89

Tax ID: 85-0046240

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

    International Bank is a smaller bank specializing in Refi loans. International Bank has a high proportion of conventional loans. Their top markets by origination volume include: Denver, Panama City, Memphis, Taos, and Hobbs among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

    International Bank 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.

    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

    28

    Origination Dollar Volume (All Markets)

    $12,650,000

    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
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $9,815,000 $1,090,556 $0 0.00%
    Outside of Metro Areas 14 $1,450,000 $103,571 $0 0.00%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $615,000 $615,000 $0 0.00%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
    Taos, NM (FHA|USDA|VA) 2 $260,000 $130,000 $0 0.00%
    Hobbs, NM (FHA|USDA|VA) 1 $155,000 $155,000 $0 0.00%
    International Bank's top markets include Denver, Panama City, Memphis, Taos, and Hobbs among others.

    Their top states include:
  • Colorado (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 28 $12,650,000 $451,786 $0 0.00%

    For 2019, International Bank's most frequently originated type of loan was Conventional, with 28 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 13 $9,835,000 $756,538 $0 0.00%
    Home Purchase 11 $2,515,000 $228,636 $0 0.00%
    Cash Out Refi 3 $245,000 $81,667 $0 0.00%
    Home Improvement 1 $55,000 $55,000 $0 0.00%

    For 2019, International Bank's most frequently cited loan purpose was Refi, with 13 originations. The 2nd most popular reason was Home Purchase, with 11 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 28 $12,650,000 $451,786 $0 0.00%

    For 2019, International Bank's most frequently cited loan duration was Other, with 28 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 12 $570,000 $47,500 $0 0.00%
    $100k-200k 6 $940,000 $156,667 $0 0.00%
    $200k-400k 5 $1,505,000 $301,000 $0 0.00%
    $1MM+ 2 $7,810,000 $3,905,000 $0 0.00%
    $600k-1MM 2 $1,290,000 $645,000 $0 0.00%
    $400k-600k 1 $535,000 $535,000 $0 0.00%

    2019 saw International Bank place emphasis on $100,000 or less loans with 12 originations, totaling $570,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 6 $570,000 $95,000 $0 0.00%
    $100k-150k 4 $620,000 $155,000 $0 0.00%
    $50k or less 4 $190,000 $47,500 $0 0.00%
    $250k+ 2 $570,000 $285,000 $0 0.00%
    $150k-250k 1 $15,000 $15,000 $0 0.00%

    International Bank lent most frequently to those with incomes in the $50k-75k range, with 6 originations. The second most popular income band? $100k-150k, with 4 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 28 $12,650,000 $451,786 $0 0.00%

    International Bank lent most frequently to those with DTI ratios of Exempt%, with 28 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 11 $10,685,000 $971,364 $0 0.00%
    White 13 $1,315,000 $101,154 $0 0.00%
    Asian 2 $570,000 $285,000 $0 0.00%
    Not provided 2 $80,000 $40,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    80.00%

    International Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    42.86%

    International Bank 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
    Exempt 28 $12,650,000 $451,786

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 3 $3,835,000 $1,278,333
    Single Family (1-4 Units):Manufactured 2 $230,000 $115,000
    Single Family (1-4 Units):Site-Built 23 $8,585,000 $373,261

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    INTERCONTINENTAL CAPITAL GROUP VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%