Intercoastal Mortgage
We analyzed every closed loan from Intercoastal Mortgage — 2.8k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 25 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
Intercoastal Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+11.9 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,978 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
FHA
336 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
VA
402 loans · 0.27% below market
Strong
Top 40% of lenders
4/5
Jumbo
52 loans · 0.30% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,618 loans · 0.12% above market
Exceptional
Top 20% of lenders
5/5
Refinance
155 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 26 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,978 | 71.3% | +0.160%Above | $2,627Fees | ||||
FHA Loans | 336 | 12.1% | +0.297%Above | $1,881Fees | ||||
VA Loans | 402 | 14.5% | -0.274%Below | $2,081Fees | ||||
Jumbo Loans | 52 | 1.9% | +0.296%Above | $1,957Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,978
Mix71.3%
Spread
+0.160%Above
Fees
$2,627Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume336
Mix12.1%
Spread
+0.297%Above
Fees
$1,881Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume402
Mix14.5%
Spread
-0.274%Below
Fees
$2,081Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume52
Mix1.9%
Spread
+0.296%Above
Fees
$1,957Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,618 | 94.4% | +0.115%Above | $2,469Fees | ||||
Refinance | 155 | 5.6% | +0.174%Above | $2,292Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,618
Mix94.4%
Spread
+0.115%Above
Fees
$2,469Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume155
Mix5.6%
Spread
+0.174%Above
Fees
$2,292Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,773
Applications
3,490
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.119%
vs. market APOR
Avg Net Fees
$2,457
Origination − Credits
Pullthrough Rate
79.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$490,838
Avg Borrower Income
$191,917
Avg Property Value
$654,585
Geographic Coverage
Geographic Performance
Metro Areas
25
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
19Full-year 2024 · HMDALoans originated
< 2020–5050–200200+None
Northeast1
PA
Midwest1
OH
South13
ALDCDEFLGAKYMDNCSCTNTXVAWV
West4
AZCACONV
Top Metro Areas by Place Specialization Score
Showing 10 of 25 metro areas
Top States by Place Specialization Score
Showing 10 of 12 states
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(80%+ = 40-50 points)
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.