International City Mortgage Rates, Fees & Info

ORANGE, CA

LEI: 5493008ZTV4S0W9DCX64

Tax ID: 33-0231744

4.1 stars - Updated: 11/17/24 - out of 5 stars, based on 14 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • 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 City Mortgage is a smaller mortgage company specializing in Home Purchase loans. International City Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Sacramento, Seattle, Las Vegas, Charlotte, and Urban Honolulu among others. We have data for 61 markets. (Some data included below & more in-depth data is available with an active subscription.)

    International City Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. International City Mortgage is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

    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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    Originations

    200

    Origination Dollar Volume (All Markets)

    $75,430,000

    Relative Rate

    International City Mortgage's average 30 year fixed mortgage rate was 6.54%.

    The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

    This yields a difference of 0.06%.

    Relative Fees (Closing Costs)

    International City Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $9,754.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

    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
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 37 $15,635,000 $422,568 $10,563 6.44%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 26 $12,310,000 $473,462 $12,871 6.65%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 9 $3,745,000 $416,111 $11,574 6.31%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 8 $3,710,000 $463,750 $12,251 5.42%
    URBAN HONOLULU, HI (FHA|USDA|VA) 5 $3,225,000 $645,000 $15,367 6.78%
    RENO, NV (FHA|USDA|VA) 7 $2,705,000 $386,429 $5,400 6.64%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 12 $2,600,000 $216,667 $7,694 7.31%
    COLUMBUS, OH (FHA|USDA|VA) 11 $2,535,000 $230,455 $8,553 6.69%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 7 $2,515,000 $359,286 $12,754 5.59%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $1,915,000 $638,333 $6,791 6.79%
    WENATCHEE, WA (FHA|USDA|VA) 6 $1,760,000 $293,333 $5,506 6.96%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $1,645,000 $329,000 $8,985 6.03%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $1,090,000 $545,000 $4,855 6.75%
    YUBA CITY, CA (FHA|USDA|VA) 3 $1,065,000 $355,000 $7,491 6.71%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $1,060,000 $530,000 $16,849 6.44%
    FRESNO, CA (FHA|USDA|VA) 3 $905,000 $301,667 $12,961 6.79%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $825,000 $825,000 $19,567 6.75%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $730,000 $365,000 $7,044 6.69%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $725,000 $241,667 $10,711 7.38%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $685,000 $685,000 $3,993 6.88%
    STOCKTON, CA (FHA|USDA|VA) 1 $655,000 $655,000 $12,679 7.00%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $610,000 $305,000 $7,518 6.81%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $585,000 $585,000 $13,624 4.25%
    TUCSON, AZ (FHA|USDA|VA) 3 $555,000 $185,000 $7,074 6.54%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $555,000 $555,000 $16,351 6.50%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $515,000 $515,000 $4,039 7.00%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $505,000 $505,000 $10,955 5.88%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $475,000 $475,000 $13,801 6.63%
    VALLEJO, CA (FHA|USDA|VA) 1 $465,000 $465,000 $3,998 6.38%
    Outside of Metro Areas 1 $435,000 $435,000 $5,484 6.38%
    GREELEY, CO (FHA|USDA|VA) 2 $430,000 $215,000 $7,567 5.63%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $420,000 $210,000 $10,304 6.56%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $405,000 $405,000 $16,755 5.75%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $405,000 $405,000 $5,424 6.50%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $405,000 $405,000 $11,562 6.75%
    Moses Lake, WA (FHA|USDA|VA) 1 $385,000 $385,000 $0 8.13%
    VISALIA, CA (FHA|USDA|VA) 1 $375,000 $375,000 $6,086 6.75%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $365,000 $365,000 $7,063 6.50%
    Bedford, IN (FHA|USDA|VA) 1 $355,000 $355,000 $3,051 6.00%
    BOISE CITY, ID (FHA|USDA|VA) 1 $335,000 $335,000 $8,386 7.50%
    CARSON CITY, NV (FHA|USDA|VA) 1 $325,000 $325,000 $16,491 6.88%
    Aberdeen, WA (FHA|USDA|VA) 1 $315,000 $315,000 $0 8.25%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $305,000 $305,000 $3,820 7.00%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $305,000 $305,000 $9,766 6.63%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $285,000 $285,000 $5,699 7.38%
    Riverton, WY (FHA|USDA|VA) 1 $285,000 $285,000 $3,700 6.63%
    SALEM, OR (FHA|USDA|VA) 1 $275,000 $275,000 $4,192 6.38%
    YUMA, AZ (FHA|USDA|VA) 2 $270,000 $135,000 $2,894 6.19%
    MADERA, CA (FHA|USDA|VA) 1 $265,000 $265,000 $6,554 5.88%
    COLUMBIA, SC (FHA|USDA|VA) 1 $265,000 $265,000 $5,791 6.63%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $265,000 $265,000 $3,149 6.88%
    Outside of Metro Areas 1 $265,000 $265,000 $5,351 7.00%
    Nogales, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $5,693 6.00%
    Show Low, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $8,705 6.13%
    Athens, TN (FHA|USDA|VA) 1 $195,000 $195,000 $3,776 6.50%
    WALLA WALLA, WA (FHA|USDA|VA) 1 $175,000 $175,000 $5,218 6.25%
    Warren, PA (FHA|USDA|VA) 1 $155,000 $155,000 $7,614 5.50%
    Fernley, NV (FHA|USDA|VA) 1 $105,000 $105,000 $2,422 5.63%
    Point Pleasant, WV-OH (FHA|USDA|VA) 1 $105,000 $105,000 $7,474 6.63%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $105,000 $105,000 $4,559 6.25%
    MANSFIELD, OH (FHA|USDA|VA) 1 $85,000 $85,000 $7,003 9.50%
    International City Mortgage's top markets include Sacramento, Seattle, Las Vegas, Charlotte, and Urban Honolulu among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against INTERNATIONAL CITY MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    University of Hawaii Federal Credit Union
    Similarity Rank: 39
    Central Pacific Bank
    Similarity Rank: 72
    Los Angeles Federal Credit Union
    Similarity Rank: 72
    SYNERGY HOME MORTGAGE, LLC
    Similarity Rank: 92
    MISSION
    Similarity Rank: 93
    American Savings Bank, FSB
    Similarity Rank: 96
    HAWAIIUSA FEDERAL CREDIT UNION
    Similarity Rank: 112
    HAWAII STATE FEDERAL CREDIT UNION
    Similarity Rank: 112
    Territorial Savings Bank
    Similarity Rank: 124
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 126

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 134 $51,480,000 $384,179 $8,511 6.60%
    FHA 49 $17,475,000 $356,633 $12,826 6.48%
    VA 16 $6,350,000 $396,875 $10,615 6.16%
    USDA 1 $125,000 $125,000 $6,581 7.25%

    For 2023, International City Mortgage's most frequently originated type of loan was Conventional, with 134 originations. Their 2nd most popular type was FHA, with 49 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 166 $65,490,000 $394,518 $9,779 6.58%
    Refi 34 $9,940,000 $292,353 $9,444 6.34%

    For 2023, International City Mortgage's most frequently cited loan purpose was Home Purchase, with 166 originations. The 2nd most popular reason was Refi, with 34 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 198 $74,920,000 $378,384 $9,754 6.54%
    15 Year 2 $510,000 $255,000 $6,871 6.06%

    For 2023, International City Mortgage's most frequently cited loan duration was 30 Year, with 198 originations. The 2nd most popular length was 15 Year, with 2 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 63 $29,655,000 $470,714
    $1k-2k 59 $20,505,000 $347,542
    $2k-3k 31 $9,395,000 $303,065
    $3k-4k 18 $6,210,000 $345,000
    $4k-5k 18 $6,280,000 $348,889
    $<1k 5 $2,225,000 $445,000

    International City Mortgage's average total fees were $9,754, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 63 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 92 $35,460,000 $385,435
    5-6% 53 $19,235,000 $362,925
    7-8% 41 $15,865,000 $386,951
    Over 8% 8 $2,350,000 $293,750
    4-5% 6 $2,520,000 $420,000

    During 2023, International City Mortgage's average interest rate for loans was 6.54%, while their most frequently originated rate bucket for loans was 6-7%, with 92 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 91 $28,195,000 $309,835 $9,479 6.49%
    $400k-600k 56 $26,920,000 $480,714 $10,492 6.42%
    $100k-200k 31 $4,665,000 $150,484 $5,251 6.77%
    $600k-1MM 16 $12,000,000 $750,000 $14,154 6.70%
    $100,000 or less 3 $215,000 $71,667 $4,801 6.92%
    $1MM+ 3 $3,435,000 $1,145,000 $23,164 6.54%

    2023 saw International City Mortgage place emphasis on $200k-400k loans with 91 originations, totaling $28,195,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 59 $23,115,000 $391,780 $9,946 6.52%
    $150k-250k 42 $20,580,000 $490,000 $9,817 6.59%
    $75k-100k 37 $11,935,000 $322,568 $9,506 6.44%
    $50k-75k 30 $7,860,000 $262,000 $8,720 6.46%
    $50k or less 20 $2,790,000 $139,500 $6,509 6.73%
    $250k+ 12 $9,150,000 $762,500 $16,200 6.65%

    International City Mortgage lent most frequently to those with incomes in the $100k-150k range, with 59 originations. The second most popular income band? $150k-250k, with 42 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 46 $18,560,000 $403,478 $9,213 6.52%
    30-36% 36 $15,310,000 $425,278 $11,293 6.39%
    <20% 24 $7,400,000 $308,333 $8,250 6.54%
    38% 10 $3,450,000 $345,000 $11,061 6.36%
    41% 9 $3,405,000 $378,333 $8,963 6.61%
    43% 9 $4,725,000 $525,000 $10,487 6.85%
    36% 9 $3,075,000 $341,667 $6,419 6.57%
    49% 9 $3,045,000 $338,333 $8,982 6.69%
    44% 7 $2,965,000 $423,571 $10,969 6.77%
    50-60% 6 $2,490,000 $415,000 $9,650 6.71%
    39% 6 $1,620,000 $270,000 $8,645 6.25%
    48% 5 $2,165,000 $433,000 $12,949 6.60%
    45% 4 $1,380,000 $345,000 $13,914 6.03%
    37% 4 $1,150,000 $287,500 $3,554 6.84%
    46% 4 $1,430,000 $357,500 $10,880 6.25%
    42% 4 $990,000 $247,500 $9,254 6.34%
    47% 3 $805,000 $268,333 $6,998 6.17%
    40% 3 $1,245,000 $415,000 $12,619 6.50%

    International City Mortgage lent most frequently to those with DTI ratios of 20-30%, with 46 originations. The next most common DTI ratio? 30-36%, with 36 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 134 $47,400,000 $353,731 $8,874 6.60%
    Not provided 24 $9,750,000 $406,250 $10,349 6.39%
    Asian 17 $7,465,000 $439,118 $11,939 6.30%
    Black 17 $7,415,000 $436,176 $12,965 6.62%
    American Indian 5 $1,945,000 $389,000 $10,101 6.43%
    Asian Indian 1 $675,000 $675,000 $19,695 6.13%
    Filipino 1 $455,000 $455,000 $4,426 7.13%
    Not applicable 1 $325,000 $325,000 $7,291 5.63%

    Approval Rates

    Total approvals of all applications
    92.93%

    International City Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    71.00%

    International City Mortgage has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 200 $75,430,000 $377,150

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    200 $75,430,000 $377,150

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 8 $1,580,000 $197,500 $5,331 6.00%
    40-60% 19 $5,515,000 $290,263 $6,386 6.28%
    60-80% 45 $18,635,000 $414,111 $10,560 6.54%
    80-100% 125 $49,325,000 $394,600 $10,360 6.63%
    Over 100% 1 $155,000 $155,000 $8,893 6.00%
    Under 20% 2 $220,000 $110,000 $3,992 5.94%