International City Mortgage Rates, Fees & Info
ORANGE, CALEI: 5493008ZTV4S0W9DCX64
Tax ID: 33-0231744
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Mortgage Data
Review & Overview
International City Mortgage is a smaller mortgage company specializing in Home Purchase and Refi loans. International City Mortgage has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Riverside, San Francisco, Miami, and Dallas among others. We have data for 87 markets. (Some data included below & more in-depth data is available with an active subscription.)International City Mortgage has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. They typically have about average 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 8.16% | 4/5/25 |
| 30 Year Conventional Refi | 7.91% | 4/5/25 |
| 30 Year FHA Purchase | 7.76% | 4/5/25 |
| 30 Year FHA Refi | 7.11% | 4/5/25 |
| 30 Year VA Purchase | 6.54% | 4/5/25 |
| 30 Year VA Refi | 6.74% | 4/5/25 |
| 30 Year USDA Purchase | 7.09% | 4/5/25 |
| 15 Year Conventional Refi | 6.00% | 4/5/25 |
| 15 Year Cash-out Refi | 6.00% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
International City Mortgage Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
362Origination Dollar Volume (All Markets)
$160,530,000Relative Rate
International City Mortgage's average 30 year fixed mortgage rate was
6.94%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.39%.
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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 52 | $38,770,000 | $745,577 | $0 | 6.79% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 36 | $17,710,000 | $491,944 | $0 | 6.63% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 10 | $9,870,000 | $987,000 | $0 | 6.76% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 11 | $6,955,000 | $632,273 | $0 | 7.53% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 19 | $6,935,000 | $365,000 | $0 | 7.24% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 16 | $4,920,000 | $307,500 | $0 | 7.37% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 7 | $4,495,000 | $642,143 | $0 | 7.14% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 12 | $4,300,000 | $358,333 | $0 | 7.03% |
| VALLEJO, CA (FHA|USDA|VA) | 8 | $4,240,000 | $530,000 | $0 | 6.34% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 8 | $4,210,000 | $526,250 | $0 | 6.97% |
| Outside of Metro Areas | 17 | $4,205,000 | $247,353 | $0 | 6.92% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $3,210,000 | $802,500 | $0 | 6.59% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 14 | $2,930,000 | $209,286 | $0 | 8.20% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 5 | $2,335,000 | $467,000 | $0 | 6.85% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $2,165,000 | $721,667 | $0 | 8.12% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,575,000 | $525,000 | $0 | 7.62% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $1,545,000 | $515,000 | $0 | 6.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,545,000 | $309,000 | $0 | 8.40% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $1,495,000 | $213,571 | $0 | 7.41% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $0 | 7.35% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,435,000 | $478,333 | $0 | 6.25% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $1,415,000 | $283,000 | $0 | 5.10% |
| MERCED, CA (FHA|USDA|VA) | 3 | $1,365,000 | $455,000 | $0 | 6.08% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $0 | 6.81% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $0 | 6.38% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $0 | 6.83% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $0 | 6.69% |
| SALEM, OR (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $0 | 8.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $0 | 7.81% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $0 | 7.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $0 | 5.92% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $0 | 8.02% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $0 | 6.99% |
| BATON ROUGE, LA (FHA|USDA|VA) | 5 | $885,000 | $177,000 | $0 | 8.30% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $0 | 7.87% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $0 | 8.37% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $0 | 6.12% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $0 | 6.06% |
| Heber, UT (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 7.75% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $0 | 5.87% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $0 | 7.37% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $0 | 8.08% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 7.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 8.31% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $0 | 6.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 6.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 10.00% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 5.75% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 7.75% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 7.25% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 6.13% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 6.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 8.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 7.37% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 10.37% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 6.75% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 6.00% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 7.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 5.75% |
| WACO, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 6.25% |
| Hilo, HI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 5.63% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 8.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 8.38% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 7.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $0 | 8.75% |
| DALTON, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 7.37% |
| Shelton, WA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 7.99% |
| TULSA, OK (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 6.25% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 8.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 7.12% |
| Okeechobee, FL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $0 | 8.99% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 5.63% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.25% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.25% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.25% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.25% |
| LAFAYETTE, LA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 8.75% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.75% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 8.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 8.99% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.62% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.38% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.75% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.12% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.00% |
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.
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Product Mix
For 2024, International City Mortgage's most frequently originated type of loan was Conventional, with 174 originations. Their 2nd most popular type was FHA, with 165 originations.
Loan Reason
For 2024, International City Mortgage's most frequently cited loan purpose was Home Purchase, with 288 originations. The 2nd most popular reason was Refi, with 63 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 327 | $159,085,000 | $486,498 | $0 | 6.94% |
| 10 Year | 32 | $360,000 | $11,250 | $0 | 9.10% |
| Other | 3 | $1,085,000 | $361,667 | $0 | 5.83% |
For 2024, International City Mortgage's most frequently cited loan duration was 30 Year, with 327 originations. The 2nd most popular length was 10 Year, with 32 originations.
Interest Rates
During 2024, International City Mortgage's average interest rate for loans was 6.94%, while their most frequently originated rate bucket for loans was 6-7%, with 114 originations.
Loan Sizing
2024 saw International City Mortgage place emphasis on $200k-400k loans with 134 originations, totaling $40,850,000 in origination value.
Applicant Income
International City Mortgage lent most frequently to those with incomes in the $100k-150k range, with 107 originations. The second most popular income band? $150k-250k, with 64 originations.
Applicant Debt to Income Ratio
International City Mortgage lent most frequently to those with DTI ratios of 20-30%, with 59 originations. The next most common DTI ratio? 30-36%, with 50 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications69.30%
International City Mortgage has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination17.40%
International City Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 362 | $160,530,000 | $443,453 |