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Intelliloan

Independent Mortgage CompanyOrange, CAHQDirectReviews near you on Google

Intelliloan has 156 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate Summary

What They Do Well

  • Competitive pricing compared to the market
  • Lower than average lender fees

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Intelliloan performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
+8.4 bps above market avg
5/5
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
88 loans · 0.17% above market
Acceptable
Bottom 40% of lenders
2/5
FHA
60 loans · 0.15% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
60 loans · 0.33% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
96 loans · 0.06% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing
Sound
Pull Through
Acceptable
Volume88
Mix56.4%
Spread
+0.165%Above
Fees
$2,150Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume60
Mix38.5%
Spread
+0.150%Above
Fees
$371Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Acceptable
Pull Through
Acceptable
Volume60
Mix38.5%
Spread
+0.326%Above
Fees
$4,331Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Exceptional
Pull Through
Mediocre
Volume96
Mix61.5%
Spread
+0.059%Above
Fees
$333Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
156
Applications
394
Volume
$76 million
Pricing & Closing
Avg Rate Spread
+0.084%
vs. market APOR
Avg Net Fees
$716
Origination − Credits
Pullthrough Rate
39.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$491,090
Avg Borrower Income
$160,853
Avg Property Value
$691,538

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

14Full-year 2024 · HMDA
14 states with loan originations
Loans originated
< 1010+None
Northeast2
MANJ
South4
FLTNTXVA
West8
AZCACOIDNVORUTWA

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 37Mix 23.72% of portfolio
59/100
Sound
Volume 29Mix 18.59% of portfolio
56/100
Sound
3© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 10Mix 6.41% of portfolio
42/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 100Mix 64.10% of portfolio
63/100
Strong
Washington
Washington
2
WashingtonState
Volume 14Mix 8.97% of portfolio
46/100
Sound
Arizona
Arizona
3
ArizonaState
Volume 11Mix 7.05% of portfolio
43/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.