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 Refi and 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: Los Angeles, Urban Honolulu, Riverside, Las Vegas, and Reno among others. We have data for 59 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

    1,336

    Origination Dollar Volume (All Markets)

    $512,550,000
    Show all (6) awards

    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) 405 $186,965,000 $461,642 $7,293 3.07%
    URBAN HONOLULU, HI (FHA|USDA|VA) 207 $106,805,000 $515,966 $9,359 2.69%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 258 $85,440,000 $331,163 $7,729 3.17%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 102 $25,090,000 $245,980 $6,251 3.12%
    RENO, NV (FHA|USDA|VA) 61 $20,015,000 $328,115 $4,438 3.16%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 66 $19,250,000 $291,667 $6,210 3.10%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 61 $17,575,000 $288,115 $4,544 3.08%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 23 $8,425,000 $366,304 $5,149 3.03%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 19 $4,975,000 $261,842 $7,605 3.20%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 9 $4,295,000 $477,222 $9,317 3.08%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 14 $3,180,000 $227,143 $6,070 3.53%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $2,735,000 $547,000 $11,508 3.78%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 7 $2,635,000 $376,429 $7,965 3.13%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $2,065,000 $413,000 $5,027 3.23%
    Fernley, NV (FHA|USDA|VA) 7 $1,805,000 $257,857 $6,949 3.45%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $1,495,000 $213,571 $7,240 3.09%
    BAKERSFIELD, CA (FHA|USDA|VA) 6 $1,410,000 $235,000 $7,460 3.10%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $945,000 $315,000 $8,972 3.13%
    Outside of Metro Areas 2 $830,000 $415,000 $8,166 3.50%
    YUMA, AZ (FHA|USDA|VA) 2 $820,000 $410,000 $8,634 3.38%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $790,000 $197,500 $4,345 2.66%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $770,000 $192,500 $5,263 3.09%
    Shelton, WA (FHA|USDA|VA) 4 $740,000 $185,000 $4,009 2.94%
    MODESTO, CA (FHA|USDA|VA) 3 $735,000 $245,000 $5,245 3.29%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $720,000 $360,000 $4,351 3.13%
    STOCKTON, CA (FHA|USDA|VA) 3 $685,000 $228,333 $6,610 2.96%
    CARSON CITY, NV (FHA|USDA|VA) 3 $665,000 $221,667 $8,361 2.88%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $590,000 $295,000 $4,028 2.88%
    FRESNO, CA (FHA|USDA|VA) 2 $580,000 $290,000 $4,208 2.81%
    EL PASO, TX (FHA|USDA|VA) 4 $580,000 $145,000 $4,958 4.28%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $560,000 $280,000 $4,206 3.00%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $550,000 $275,000 $9,242 3.25%
    Centralia, WA (FHA|USDA|VA) 2 $520,000 $260,000 $8,287 3.50%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $515,000 $515,000 $4,409 2.75%
    VALLEJO, CA (FHA|USDA|VA) 2 $510,000 $255,000 $4,062 2.75%
    Athens, TX (FHA|USDA|VA) 1 $485,000 $485,000 $5,577 2.38%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $405,000 $405,000 $4,295 2.63%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $395,000 $395,000 $12,808 3.50%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $385,000 $385,000 $4,728 3.13%
    ALBUQUERQUE, NM (FHA|USDA|VA) 2 $370,000 $185,000 $4,023 3.69%
    STATE COLLEGE, PA (FHA|USDA|VA) 2 $320,000 $160,000 $3,714 2.81%
    Hilo, HI (FHA|USDA|VA) 1 $305,000 $305,000 $5,919 2.63%
    PUEBLO, CO (FHA|USDA|VA) 1 $285,000 $285,000 $7,890 3.88%
    TUCSON, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $3,244 3.00%
    CHICO, CA (FHA|USDA|VA) 1 $275,000 $275,000 $3,662 2.88%
    SALEM, OR (FHA|USDA|VA) 1 $275,000 $275,000 $5,083 2.88%
    MADERA, CA (FHA|USDA|VA) 1 $255,000 $255,000 $8,695 3.75%
    MIDLAND, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,829 3.63%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $235,000 $235,000 $5,750 3.88%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $215,000 $215,000 $7,651 3.00%
    PITTSBURGH, PA (FHA|USDA|VA) 1 $215,000 $215,000 $4,533 2.88%
    Kapaa, HI (FHA|USDA|VA) 1 $205,000 $205,000 $4,860 2.13%
    Outside of Metro Areas 1 $205,000 $205,000 $3,361 2.88%
    Aberdeen, WA (FHA|USDA|VA) 2 $200,000 $100,000 $4,811 2.00%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $185,000 $185,000 $4,116 2.75%
    MERCED, CA (FHA|USDA|VA) 1 $145,000 $145,000 $6,543 3.13%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $135,000 $135,000 $5,464 3.50%
    Warren, PA (FHA|USDA|VA) 1 $125,000 $125,000 $5,279 5.25%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $125,000 $125,000 $4,354 3.13%
    International City Mortgage's top markets include Los Angeles, Urban Honolulu, Riverside, Las Vegas, and Reno among others.

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

    HAWAIIAN FINANCIAL
    Similarity Rank: 92
    ALOHA PACIFIC
    Similarity Rank: 124
    Great Basin Federal Credit Union
    Similarity Rank: 168
    University of Hawaii Federal Credit Union
    Similarity Rank: 204
    HAWAII STATE FEDERAL CREDIT UNION
    Similarity Rank: 316
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 330
    Chaffey Federal Credit Union
    Similarity Rank: 345
    Territorial Savings Bank
    Similarity Rank: 368
    TRISTAR FINANCE, INC.
    Similarity Rank: 378
    MANHATTAN FINANCIAL GROUP, INC.
    Similarity Rank: 384

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 965 $360,395,000 $373,466 $5,837 3.06%
    FHA 205 $68,945,000 $336,317 $11,424 3.22%
    VA 163 $82,575,000 $506,595 $9,984 2.78%
    USDA 3 $635,000 $211,667 $6,010 4.38%

    For 2020, International City Mortgage's most frequently originated type of loan was Conventional, with 965 originations. Their 2nd most popular type was FHA, with 205 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 811 $302,655,000 $373,187 $6,072 2.98%
    Home Purchase 525 $209,895,000 $399,800 $8,934 3.17%

    For 2020, International City Mortgage's most frequently cited loan purpose was Refi, with 811 originations. The 2nd most popular reason was Home Purchase, with 525 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,265 $492,845,000 $389,601 $7,339 3.07%
    15 Year 59 $15,545,000 $263,475 $4,672 2.69%
    20 Year 8 $3,070,000 $383,750 $5,195 2.92%
    10 Year 2 $430,000 $215,000 $3,398 2.63%
    Other 2 $660,000 $330,000 $3,661 2.88%

    For 2020, International City Mortgage's most frequently cited loan duration was 30 Year, with 1,265 originations. The 2nd most popular length was 15 Year, with 59 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 548 $207,850,000 $379,288
    $2k-3k 260 $93,590,000 $359,962
    $5k+ 214 $100,940,000 $471,682
    $3k-4k 108 $37,160,000 $344,074
    $<1k 104 $33,850,000 $325,481
    $4k-5k 100 $38,060,000 $380,600

    International City Mortgage's average total fees were $7,339, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 548 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 659 $257,025,000 $390,023
    3-4% 451 $169,075,000 $374,889
    <2.5% 152 $65,730,000 $432,434
    4-5% 53 $16,935,000 $319,528
    5-6% 6 $1,620,000 $270,000

    During 2020, International City Mortgage's average interest rate for loans was 3.07%, while their most frequently originated rate bucket for loans was 2.5-3%, with 659 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 606 $182,730,000 $301,535 $6,546 3.08%
    $400k-600k 410 $196,990,000 $480,463 $7,760 3.02%
    $600k-1MM 148 $100,690,000 $680,338 $10,611 2.90%
    $100k-200k 139 $22,395,000 $161,115 $4,788 3.23%
    $100,000 or less 26 $1,190,000 $45,769 $1,888 2.65%
    $1MM+ 7 $8,555,000 $1,222,143 $26,293 3.14%

    2020 saw International City Mortgage place emphasis on $200k-400k loans with 606 originations, totaling $182,730,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 329 $141,955,000 $431,474 $7,512 3.07%
    $75k-100k 257 $93,065,000 $362,121 $7,378 3.06%
    $50k-75k 242 $68,250,000 $282,025 $6,736 3.15%
    $50k or less 239 $76,915,000 $321,820 $6,525 2.95%
    $150k-250k 203 $97,135,000 $478,498 $7,593 3.03%
    $250k+ 61 $32,155,000 $527,131 $7,801 3.13%

    International City Mortgage lent most frequently to those with incomes in the $100k-150k range, with 329 originations. The second most popular income band? $75k-100k, with 257 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 203 $69,835,000 $344,015 $6,014 2.94%
    30-36% 192 $72,080,000 $375,417 $6,275 3.06%
    50-60% 75 $31,465,000 $419,533 $13,561 3.20%
    49% 75 $28,675,000 $382,333 $8,292 3.18%
    44% 69 $27,885,000 $404,130 $7,565 3.21%
    <20% 62 $22,480,000 $362,581 $5,206 2.90%
    43% 60 $23,960,000 $399,333 $7,789 3.12%
    41% 59 $22,125,000 $375,000 $6,223 3.14%
    39% 56 $20,200,000 $360,714 $6,390 3.10%
    42% 46 $16,860,000 $366,522 $8,902 3.23%
    40% 44 $16,430,000 $373,409 $6,432 3.01%
    47% 43 $17,605,000 $409,419 $6,736 3.12%
    48% 41 $15,765,000 $384,512 $8,035 3.08%
    45% 41 $17,475,000 $426,220 $8,079 3.06%
    38% 37 $12,575,000 $339,865 $6,301 3.11%
    36% 35 $12,615,000 $360,429 $6,109 3.23%
    46% 30 $10,990,000 $366,333 $7,368 3.44%
    37% 27 $12,085,000 $447,593 $7,140 2.99%
    >60% 1 $375,000 $375,000 $12,844 2.88%

    International City Mortgage lent most frequently to those with DTI ratios of 20-30%, with 203 originations. The next most common DTI ratio? 30-36%, with 192 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 772 $275,600,000 $356,995 $6,953 3.11%
    Not provided 242 $107,350,000 $443,595 $8,554 2.94%
    Asian 224 $96,820,000 $432,232 $6,377 2.96%
    Black 71 $22,835,000 $321,620 $7,470 3.19%
    American Indian 14 $4,950,000 $353,571 $9,059 3.07%
    Native Hawaiian or Islander 10 $4,040,000 $404,000 $7,004 2.73%
    Not applicable 1 $505,000 $505,000 $7,785 3.00%
    Other Pacific Islander 1 $265,000 $265,000 $7,863 2.88%
    Filipino 1 $185,000 $185,000 $6,029 3.63%

    Approval Rates

    Total approvals of all applications
    98.05%

    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
    80.16%

    International City Mortgage has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,336 $512,550,000 $383,645

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 17 $3,735,000 $219,706
    Single Family (1-4 Units):Site-Built 1,319 $508,815,000 $385,758

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 68 $16,750,000 $246,324 $4,698 2.84%
    40-60% 206 $69,040,000 $335,146 $5,601 2.90%
    60-80% 448 $177,700,000 $396,652 $6,107 3.09%
    80-100% 564 $227,080,000 $402,624 $8,427 3.13%
    Over 100% 31 $18,705,000 $603,387 $19,809 2.92%
    Under 20% 14 $200,000 $14,286 $294 1.00%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    INTERFIRST MORTGAGE COMPANY Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 57.1%
    INTERFIRST MORTGAGE COMPANY Conventional home mortgage Closing on a mortgage 1 14.3%
    INTERFIRST MORTGAGE COMPANY Conventional home mortgage Trouble during payment process 2 28.6%