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Bank of Internet’s loans have increased fivefold, to nearly $5 billion, over the last five years — an almost unheard-of rate of growth for these tepid times in banking. Its losses from bad loans are practically nonexistent, and profits are surging, in part because it charges a much higher interest rate than the bigger banks operating in the same market.
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An Internet Mortgage Provider Reaps the Rewards of Lending Boldly Erhart et al, No. 3:2015cv02353 – Document 86 (S.D. Cal. 2017). entitled, An Internet 2 Mortgage Provider Reaps the Rewards of Lending Boldly, which highlighted BofI’s 3 lending strategies and noted that two internal auditors left the bank. Id., pp.2-6; Case No. 4 15cv2353, Dkt. No. 7-21.
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Approximately 72.2% of the company’s loans are secured by properties in California, 9.47% are secured by properties in New York, and 5.11% are secured by properties in Florida.
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