International City Mortgage Rates, Fees & Info

ORANGE, CA

LEI: 5493008ZTV4S0W9DCX64

Tax ID: 33-0231744

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

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • 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 and Refi 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: Urban Honolulu, Los Angeles, Las Vegas, Riverside, and Seattle among others. We have data for 42 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 an average 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 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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    Originations

    549

    Origination Dollar Volume (All Markets)

    $177,195,000

    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
    URBAN HONOLULU, HI (FHA|USDA|VA) 88 $44,520,000 $505,909 $11,061 4.16%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 67 $29,845,000 $445,448 $7,547 4.24%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 109 $24,695,000 $226,560 $6,500 4.37%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 50 $17,570,000 $351,400 $9,139 4.27%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 36 $11,820,000 $328,333 $7,162 4.52%
    RENO, NV (FHA|USDA|VA) 37 $11,485,000 $310,405 $4,783 4.54%
    ALBUQUERQUE, NM (FHA|USDA|VA) 58 $9,870,000 $170,172 $5,629 4.65%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 18 $4,450,000 $247,222 $4,565 4.05%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 13 $3,245,000 $249,615 $9,508 3.82%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 10 $2,910,000 $291,000 $6,388 4.24%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $2,530,000 $632,500 $16,255 4.56%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 6 $1,710,000 $285,000 $8,362 4.29%
    EL PASO, TX (FHA|USDA|VA) 9 $1,155,000 $128,333 $5,171 5.21%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $930,000 $465,000 $5,784 4.38%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $825,000 $165,000 $6,424 6.35%
    Fernley, NV (FHA|USDA|VA) 3 $815,000 $271,667 $6,973 4.25%
    STOCKTON, CA (FHA|USDA|VA) 3 $775,000 $258,333 $6,794 4.21%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $740,000 $370,000 $3,887 4.25%
    Kapaa, HI (FHA|USDA|VA) 1 $545,000 $545,000 $3,997 4.50%
    Hilo, HI (FHA|USDA|VA) 1 $485,000 $485,000 $5,335 4.88%
    Crescent City, CA (FHA|USDA|VA) 1 $475,000 $475,000 $7,126 4.00%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $445,000 $445,000 $11,465 3.25%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $440,000 $220,000 $8,424 3.63%
    MERCED, CA (FHA|USDA|VA) 2 $410,000 $205,000 $2,963 3.88%
    Centralia, WA (FHA|USDA|VA) 2 $410,000 $205,000 $6,483 4.50%
    Shelton, WA (FHA|USDA|VA) 2 $390,000 $195,000 $5,803 4.63%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $355,000 $355,000 $4,698 3.63%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $335,000 $335,000 $3,176 3.75%
    VALLEJO, CA (FHA|USDA|VA) 1 $335,000 $335,000 $3,555 5.00%
    Outside of Metro Areas 2 $320,000 $160,000 $3,536 5.00%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $305,000 $305,000 $2,926 4.88%
    Hobbs, NM (FHA|USDA|VA) 1 $285,000 $285,000 $14,571 3.63%
    CARSON CITY, NV (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.38%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $265,000 $265,000 $3,916 4.00%
    Aberdeen, WA (FHA|USDA|VA) 1 $215,000 $215,000 $7,943 4.63%
    Moses Lake, WA (FHA|USDA|VA) 1 $185,000 $185,000 $3,721 4.88%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,481 4.00%
    Fallon, NV (FHA|USDA|VA) 1 $175,000 $175,000 $8,529 4.50%
    FARMINGTON, NM (FHA|USDA|VA) 1 $155,000 $155,000 $8,700 5.13%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $145,000 $145,000 $4,585 4.00%
    Gallup, NM (FHA|USDA|VA) 1 $85,000 $85,000 $6,181 5.63%
    Alamogordo, NM (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.00%
    International City Mortgage's top markets include Urban Honolulu, Los Angeles, Las Vegas, Riverside, and Seattle among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Hawaii (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • New Mexico (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.

    MYPOINT Credit Union
    Similarity Rank: 147
    University of Hawaii Federal Credit Union
    Similarity Rank: 150
    Christian Community Credit Union
    Similarity Rank: 220
    HAWAIIAN FINANCIAL
    Similarity Rank: 228
    HAWAII STATE FEDERAL CREDIT UNION
    Similarity Rank: 240
    Territorial Savings Bank
    Similarity Rank: 244
    SIMPLIFI MORTGAGE, LLC
    Similarity Rank: 288
    LONG BEACH CITY EMPLOYEES Federal Credit Union
    Similarity Rank: 290
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 318
    First Hawaiian Bank
    Similarity Rank: 330

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 287 $92,055,000 $320,749 $5,408 4.50%
    FHA 159 $41,035,000 $258,082 $9,069 4.35%
    VA 101 $43,575,000 $431,436 $10,699 4.02%
    USDA 2 $530,000 $265,000 $6,369 4.31%

    For 2019, International City Mortgage's most frequently originated type of loan was Conventional, with 287 originations. Their 2nd most popular type was FHA, with 159 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 324 $100,010,000 $308,673 $7,965 4.50%
    Refi 224 $77,020,000 $343,839 $6,656 4.17%
    Cash Out Refi 1 $165,000 $165,000 $3,348 5.13%

    For 2019, International City Mortgage's most frequently cited loan purpose was Home Purchase, with 324 originations. The 2nd most popular reason was Refi, with 224 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 540 $174,590,000 $323,315 $7,489 4.37%
    15 Year 8 $2,440,000 $305,000 $4,285 3.94%
    20 Year 1 $165,000 $165,000 $3,008 4.50%

    For 2019, International City Mortgage's most frequently cited loan duration was 30 Year, with 540 originations. The 2nd most popular length was 15 Year, with 8 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 245 $79,435,000 $324,224
    $2k-3k 87 $20,855,000 $239,713
    $<1k 66 $23,270,000 $352,576
    $5k+ 61 $27,745,000 $454,836
    $3k-4k 52 $15,040,000 $289,231
    $4k-5k 26 $6,920,000 $266,154

    International City Mortgage's average total fees were $7,489, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 245 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 258 $80,140,000 $310,620
    3-4% 215 $76,065,000 $353,791
    5-6% 65 $16,885,000 $259,769
    6-7% 4 $1,880,000 $470,000
    2.5-3% 3 $1,495,000 $498,333
    7-8% 3 $605,000 $201,667
    Over 8% 1 $125,000 $125,000

    During 2019, International City Mortgage's average interest rate for loans was 4.37%, while their most frequently originated rate bucket for loans was 4-5%, with 258 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 252 $71,010,000 $281,786 $6,940 4.31%
    $100k-200k 135 $21,405,000 $158,556 $5,369 4.65%
    $400k-600k 107 $50,795,000 $474,720 $9,222 4.12%
    $600k-1MM 45 $31,815,000 $707,000 $13,827 4.25%
    $100,000 or less 9 $725,000 $80,556 $3,871 5.21%
    $1MM+ 1 $1,445,000 $1,445,000 $1,894 4.13%

    2019 saw International City Mortgage place emphasis on $200k-400k loans with 252 originations, totaling $71,010,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 132 $30,740,000 $232,879 $6,195 4.33%
    $50k-75k 129 $31,595,000 $244,922 $6,741 4.35%
    $75k-100k 104 $33,460,000 $321,731 $7,650 4.38%
    $100k-150k 103 $40,765,000 $395,777 $8,128 4.39%
    $150k-250k 53 $26,555,000 $501,038 $10,597 4.46%
    $250k+ 15 $8,275,000 $551,667 $8,611 4.41%

    International City Mortgage lent most frequently to those with incomes in the $50k or less range, with 132 originations. The second most popular income band? $50k-75k, with 129 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 78 $23,610,000 $302,692 $6,868 4.50%
    50-60% 75 $23,555,000 $314,067 $10,076 4.30%
    49% 43 $12,925,000 $300,581 $6,833 4.41%
    20-30% 43 $12,825,000 $298,256 $5,694 4.26%
    44% 33 $9,405,000 $285,000 $7,252 4.34%
    43% 27 $7,865,000 $291,296 $8,519 4.61%
    42% 21 $6,505,000 $309,762 $8,431 4.48%
    46% 21 $6,495,000 $309,286 $7,911 4.38%
    45% 19 $5,825,000 $306,579 $6,804 4.28%
    39% 19 $6,645,000 $349,737 $7,322 4.39%
    41% 18 $5,870,000 $326,111 $6,719 4.50%
    47% 18 $5,280,000 $293,333 $7,461 4.67%
    36% 17 $5,385,000 $316,765 $6,155 4.38%
    38% 16 $5,400,000 $337,500 $7,248 4.52%
    48% 16 $4,850,000 $303,125 $6,220 4.52%
    37% 15 $4,885,000 $325,667 $7,430 4.57%
    40% 12 $3,540,000 $295,000 $7,247 4.19%
    <20% 9 $4,335,000 $481,667 $4,394 4.17%
    >60% 8 $3,340,000 $417,500 $10,654 4.42%

    International City Mortgage lent most frequently to those with DTI ratios of 30-36%, with 78 originations. The next most common DTI ratio? 50-60%, with 75 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 400 $121,020,000 $302,550 $6,935 4.42%
    Asian 50 $19,470,000 $389,400 $8,038 4.17%
    Not provided 41 $16,665,000 $406,463 $9,511 4.21%
    Black 42 $14,040,000 $334,286 $8,712 4.31%
    Native Hawaiian or Islander 7 $3,315,000 $473,571 $8,993 3.98%
    American Indian 7 $1,805,000 $257,857 $9,684 4.50%
    Samoan 1 $605,000 $605,000 $6,395 5.50%
    Not applicable 1 $275,000 $275,000 $7,807 3.88%

    Approval Rates

    Total approvals of all applications
    96.02%

    International City Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    69.40%

    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 549 $177,195,000 $322,760

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 14 $2,890,000 $206,429
    Single Family (1-4 Units):Site-Built 535 $174,305,000 $325,804

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 9 $1,995,000 $221,667 $5,827 4.36%
    40-60% 41 $13,125,000 $320,122 $5,066 4.17%
    60-80% 138 $43,140,000 $312,609 $5,997 4.47%
    80-100% 329 $105,895,000 $321,869 $7,846 4.36%
    Over 100% 28 $12,150,000 $433,929 $13,788 4.25%
    Under 20% 1 $115,000 $115,000 $4,258 4.38%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Intercounty Mortgage Network Corp. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%