Applications / Mortgage Analytics / Lenders / Virginia / Intercoastal Mortgage
Reston, VA · Non-bank affiliate of a holding company · CFPB · 2,646 loans in 2025
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2,646
loans originated, 2025
3,393
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Intercoastal Mortgage, a Reston non-bank owned by a holding company, lends to home buyers around Washington and makes bigger loans, and more loans to veterans, than similar lenders.
Its typical loan was $445,000, against $255,000 at similar lenders, here non-bank affiliates of holding companies making between an eighth and eight times as many loans. Loans larger than the conforming limit (jumbo loans) were 4.3% of its lending, against 0.4%, a higher share than more than nine in ten peers. Home purchases made up 90.6% of its loans.
Loans guaranteed by the Department of Veterans Affairs (VA) were 16.7% of its lending, up from 14.9% in 2024 and against 5.9% at the typical peer. Only 0.5% of its loans were higher-priced, meaning a rate well above the average for similar loans, against 2.2% at peers.
It ranks 22 of 757 lenders in Washington-Arlington-Alexandria, where it has lent since 1997. In Winchester it ranks 7 of 303, and its share rose from 2.4% to 2.9%. Majority-minority neighborhoods took 30.5% of its loans, against 17.8% at peers.
Its loans fell 8% to 2,646, while the typical peer grew 4% and the whole market 10%. It made 11,105 loans in 2021, after 8,389 in 2020, when its typical rate was 2.88%; the fall since may reflect the end of cheap credit more than anything particular to the lender. It remains larger than most of the 14 lenders in its peer group.
Similar lenders: same lender type, originations between an eighth and eight times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Intercoastal Mortgage took 3,393 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.6% · Refinance 9.1% · Home improvement 0.3% · Not applicable 0.0%
Conventional 72.1% · VA 16.7% · FHA 11.0% · USDA (RHS or FSA) 0.2% · of 2,646 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 1,359 | 51.4% |
| North Carolina | 400 | 15.1% |
| West Virginia | 210 | 7.9% |
| South Carolina | 180 | 6.8% |
| Maryland | 171 | 6.5% |
| Tennessee | 111 | 4.2% |
| District of Columbia | 61 | 2.3% |
| Florida | 49 | 1.9% |
| Georgia | 46 | 1.7% |
| Pennsylvania | 13 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 1,172 |
| Washington | 97 |
| Winchester | 84 |
| Morgantown | 79 |
| Wilmington | 76 |
| Charlotte-Concord-Gastonia | 72 |
| Frederick-Gaithersburg-Bethesda | 65 |
| Clarksville | 60 |
| Baltimore-Columbia-Towson | 47 |
| Hagerstown-Martinsburg | 41 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BM4NS8HDJT3X28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3088867 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77416700009 | 1997–2017 |
Established 29 September 1988. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Intercoastal Mortgage's data.
Intercoastal Mortgage's data
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