International City Mortgage Rates, Fees & Info
ORANGE, CALEI: 5493008ZTV4S0W9DCX64
Tax ID: 33-0231744
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
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 a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Los Angeles, Riverside, Urban Honolulu, Seattle, and Phoenix 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 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.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
1,259Origination Dollar Volume (All Markets)
$486,215,000Top 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) | 275 | $149,585,000 | $543,945 | $8,839 | 3.09% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 244 | $85,710,000 | $351,270 | $8,375 | 3.19% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 94 | $43,710,000 | $465,000 | $8,218 | 2.82% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 127 | $42,745,000 | $336,575 | $6,910 | 3.26% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 98 | $29,060,000 | $296,531 | $6,232 | 3.23% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 107 | $25,995,000 | $242,944 | $5,928 | 3.28% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 38 | $17,350,000 | $456,579 | $9,115 | 3.09% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 37 | $14,845,000 | $401,216 | $8,324 | 2.86% |
| RENO, NV (FHA|USDA|VA) | 38 | $14,500,000 | $381,579 | $5,443 | 3.14% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 11 | $6,475,000 | $588,636 | $7,917 | 3.24% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 15 | $4,425,000 | $295,000 | $5,420 | 3.33% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $3,815,000 | $545,000 | $10,952 | 3.23% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $3,475,000 | $695,000 | $13,615 | 3.22% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 10 | $2,410,000 | $241,000 | $6,037 | 3.21% |
| VALLEJO, CA (FHA|USDA|VA) | 8 | $2,170,000 | $271,250 | $8,280 | 3.32% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $1,995,000 | $665,000 | $8,955 | 2.92% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $3,548 | 3.45% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $1,905,000 | $272,143 | $8,348 | 3.23% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $9,641 | 3.00% |
| Centralia, WA (FHA|USDA|VA) | 4 | $1,640,000 | $410,000 | $5,825 | 3.16% |
| Hilo, HI (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $4,290 | 2.75% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $1,455,000 | $291,000 | $8,411 | 3.60% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $7,192 | 2.69% |
| YUMA, AZ (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $5,410 | 2.95% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $8,523 | 3.16% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $6,266 | 3.15% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $7,181 | 3.84% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $4,716 | 2.88% |
| Kapaa, HI (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $6,152 | 3.19% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $4,181 | 2.78% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $8,209 | 3.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $3,473 | 3.04% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $18,588 | 3.99% |
| Shelton, WA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $11,298 | 3.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,955 | 3.29% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $6,580 | 3.29% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,095 | 3.00% |
| Outside of Metro Areas | 2 | $560,000 | $280,000 | $7,077 | 2.88% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,398 | 2.38% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $5,381 | 4.19% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,121 | 3.58% |
| MADERA, CA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,811 | 3.44% |
| Fernley, NV (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,246 | 3.00% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,242 | 2.81% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,542 | 3.88% |
| Warren, PA (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $6,096 | 3.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $5,849 | 2.88% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,222 | 3.38% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,094 | 3.75% |
| NAPA, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,680 | 4.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,932 | 2.75% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,805 | 4.13% |
| MERCED, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,474 | 3.13% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,758 | 4.13% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $13,834 | 2.50% |
| Fallon, NV (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,958 | 3.13% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,165 | 2.88% |
| SALEM, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,653 | 2.88% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,663 | 3.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,433 | 4.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,995 | 3.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $4,550 | 3.38% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,903 | 3.50% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,525 | 2.88% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,212 | 4.38% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,597 | 3.13% |
| ERIE, PA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,005 | 2.75% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,323 | 3.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 4.13% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,596 | 3.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,094 | 2.25% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,104 | 2.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,429 | 2.75% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,930 | 2.25% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,120 | 3.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,874 | 2.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,981 | 3.38% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,966 | 3.88% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,075 | 3.50% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,457 | 3.13% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,149 | 3.63% |
| Lewistown, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,779 | 4.38% |
| New Castle, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,194 | 3.38% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,392 | 4.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,723 | 2.63% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,556 | 3.50% |
| Bradford, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,344 | 3.63% |
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.
Similarity Rank: 53
Similarity Rank: 204
Similarity Rank: 212
Similarity Rank: 332
Similarity Rank: 348
Similarity Rank: 354
Similarity Rank: 378
Similarity Rank: 404
Similarity Rank: 420
Similarity Rank: 424
Product Mix
For 2021, International City Mortgage's most frequently originated type of loan was Conventional, with 968 originations. Their 2nd most popular type was FHA, with 196 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Refi | 654 | $237,780,000 | $363,578 | $6,454 | 3.11% |
| Home Purchase | 605 | $248,435,000 | $410,636 | $8,768 | 3.21% |
For 2021, International City Mortgage's most frequently cited loan purpose was Refi, with 654 originations. The 2nd most popular reason was Home Purchase, with 605 originations.
Loan Duration/Length
For 2021, International City Mortgage's most frequently cited loan duration was 30 Year, with 1,189 originations. The 2nd most popular length was 15 Year, with 46 originations.
Origination Fees/Closing Costs
International City Mortgage's average total fees were $7,758, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 465 originations.
Interest Rates
During 2021, International City Mortgage's average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 3-4%, with 620 originations.
Loan Sizing
2021 saw International City Mortgage place emphasis on $200k-400k loans with 551 originations, totaling $167,365,000 in origination value.
Applicant Income
International City Mortgage lent most frequently to those with incomes in the $100k-150k range, with 310 originations. The second most popular income band? $75k-100k, with 267 originations.
Applicant Debt to Income Ratio
International City Mortgage lent most frequently to those with DTI ratios of 30-36%, with 179 originations. The next most common DTI ratio? 20-30%, with 157 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.22%
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 origination67.12%
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 | 1,259 | $486,215,000 | $386,191 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| INTERNATIONAL CITY MORTGAGE | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |