Intercontinental Capital Group Inc Mortgage Rates, Fees & Info

Albany, NY

LEI: 549300DMIVL13D62WX91

Tax ID: 20-2355296

2020 Data | 2019 Data | 2018 Data


Overview

Intercontinental Capital Group Inc is a mid-sized mortgage company specializing in Refi loans. Intercontinental Capital Group Inc 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 include Nassau County, New York, Baltimore, Phoenix, and Atlanta among others. They have an above average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Intercontinental Capital Group Inc is typically an average fee lendor.


Originations

17,606

Origination Dollar Volume (All Markets)

$5,323,370,000

Awards

2020 InterContinental Capital Group Inc Low Rate Award
Details

Relative Rate

Intercontinental Capital Group Inc's average 30 year fixed rate mortgage was 2.96%.

The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.

This yields a difference of -0.4%.

Relative Fees

Intercontinental Capital Group Inc's average total fees for a 30 year fixed rate mortgage are $5,920.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 7,898 $2,343,060,000 $296,665 $5,463 3.06%
VA 6,061 $1,911,065,000 $315,305 $4,191 2.63%
FHA 3,638 $1,067,280,000 $293,370 $9,159 3.07%
USDA 9 $1,965,000 $218,333 $7,780 3.28%

For the 2020 period, Intercontinental Capital Group Inc's most frequently originated loan type was Conventional, with 7,898 originations. Their 2nd most popular type is VA, with 6,061 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 13,870 $4,195,270,000 $302,471 $5,277 2.82%
Cash Out Refi 2,250 $622,950,000 $276,867 $6,766 3.27%
Home Purchase 1,461 $498,475,000 $341,188 $9,160 3.32%
Home Improvement 25 $6,675,000 $267,000 $5,686 3.51%

For the 2020, Intercontinental Capital Group Inc's most frequently cited loan purpose was Refi, with 13,870 originations. The 2nd most popular reason was Cash Out Refi, with 2,250 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 15,516 $4,771,990,000 $307,553 $5,920 2.94%
15 Year 1,192 $308,640,000 $258,926 $4,686 2.62%
20 Year 506 $135,590,000 $267,964 $4,937 2.95%
Other 349 $99,095,000 $283,940 $5,165 2.85%
10 Year 43 $8,055,000 $187,326 $4,560 2.66%

For the 2020, Intercontinental Capital Group Inc's most frequently cited loan length was 30 Year, with 15,516 originations. The 2nd most popular length was 15 Year, with 1,192 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 7,711 $2,220,515,000 $287,967
$<1k 4,320 $1,373,480,000 $317,935
$3k-4k 2,332 $657,870,000 $282,105
$5k+ 1,834 $700,890,000 $382,165
$2k-3k 1,404 $368,350,000 $262,358

$5,920 was Intercontinental Capital Group Inc's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 7,711 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
NASSAU COUNTY-SUFFOLK COUNTY, NY 806 $311,400,000 $386,352 $8,599 3.10%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 693 $306,905,000 $442,864 $10,116 3.19%
BALTIMORE-COLUMBIA-TOWSON, MD 764 $215,920,000 $282,618 $6,576 3.05%
PHOENIX-MESA-CHANDLER, AZ 704 $192,720,000 $273,750 $4,537 2.84%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 777 $190,945,000 $245,746 $5,920 3.20%
LOS ANGELES-LONG BEACH-GLENDALE, CA 465 $189,195,000 $406,871 $6,256 2.89%
Outside of Metro Areas 745 $182,805,000 $245,376 $4,778 2.91%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 535 $177,365,000 $331,523 $5,479 2.90%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 423 $139,235,000 $329,161 $7,556 3.06%
DENVER-AURORA-LAKEWOOD, CO 316 $113,630,000 $359,589 $5,879 2.84%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 420 $111,230,000 $264,833 $4,470 2.88%
ANAHEIM-SANTA ANA-IRVINE, CA 249 $108,415,000 $435,402 $5,940 2.90%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 241 $107,695,000 $446,867 $5,406 2.70%
NEW BRUNSWICK-LAKEWOOD, NJ 317 $101,525,000 $320,268 $7,000 3.02%
DALLAS-PLANO-IRVING, TX 317 $89,915,000 $283,644 $5,748 2.92%
NEWARK, NJ-PA 280 $87,110,000 $311,107 $7,609 3.07%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 220 $76,430,000 $347,409 $5,358 2.79%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 276 $75,860,000 $274,855 $6,121 2.83%
ORLANDO-KISSIMMEE-SANFORD, FL 258 $69,660,000 $270,000 $5,596 2.94%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 264 $68,000,000 $257,576 $5,058 2.84%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 204 $66,600,000 $326,471 $5,963 2.78%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL 212 $64,670,000 $305,047 $6,805 3.07%
SAN ANTONIO-NEW BRAUNFELS, TX 223 $63,195,000 $283,386 $4,787 2.72%
COLORADO SPRINGS, CO 185 $58,225,000 $314,730 $4,576 2.69%
OAKLAND-BERKELEY-LIVERMORE, CA 128 $56,370,000 $440,391 $4,786 2.73%
JACKSONVILLE, FL 195 $56,295,000 $288,692 $4,753 2.80%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 201 $54,195,000 $269,627 $6,115 3.19%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 185 $53,555,000 $289,486 $4,761 2.76%
CHICAGO-NAPERVILLE-EVANSTON, IL 192 $52,930,000 $275,677 $5,340 2.86%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 145 $51,745,000 $356,862 $6,350 2.93%
RALEIGH-CARY, NC 177 $51,655,000 $291,836 $4,594 2.77%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 184 $51,570,000 $280,272 $5,496 2.88%
SEATTLE-BELLEVUE-KENT, WA 142 $48,660,000 $342,676 $6,837 3.18%
MIAMI-MIAMI BEACH-KENDALL, FL 147 $47,445,000 $322,755 $6,040 2.88%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 160 $45,760,000 $286,000 $5,259 2.86%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 145 $41,985,000 $289,552 $5,370 2.73%
LAS VEGAS-HENDERSON-PARADISE, NV 148 $41,880,000 $282,973 $5,007 2.77%
INDIANAPOLIS-CARMEL-ANDERSON, IN 164 $39,130,000 $238,598 $4,522 2.84%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 120 $35,840,000 $298,667 $6,532 2.73%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 65 $29,625,000 $455,769 $3,794 2.69%
TUCSON, AZ 109 $28,855,000 $264,725 $4,252 2.78%
NORTH PORT-SARASOTA-BRADENTON, FL 104 $28,350,000 $272,596 $5,119 2.97%
WARREN-TROY-FARMINGTON HILLS, MI 128 $28,320,000 $221,250 $3,727 2.82%
OXNARD-THOUSAND OAKS-VENTURA, CA 64 $28,300,000 $442,188 $5,776 2.78%
FRESNO, CA 102 $28,150,000 $275,980 $4,781 2.75%
TACOMA-LAKEWOOD, WA 87 $25,325,000 $291,092 $6,160 3.06%
STOCKTON, CA 65 $22,745,000 $349,923 $5,274 2.68%
COLUMBUS, OH 80 $22,380,000 $279,750 $5,013 2.75%
CLEVELAND-ELYRIA, OH 114 $22,320,000 $195,789 $5,397 3.07%
CINCINNATI, OH-KY-IN 81 $21,445,000 $264,753 $4,664 2.73%
CAMDEN, NJ 77 $21,145,000 $274,610 $5,548 2.87%
PORT ST. LUCIE, FL 84 $21,020,000 $250,238 $5,716 3.06%
VALLEJO, CA 51 $20,045,000 $393,039 $4,875 2.71%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 76 $18,300,000 $240,789 $5,468 2.88%
SALEM, OR 59 $16,825,000 $285,169 $5,727 2.67%
LAKELAND-WINTER HAVEN, FL 73 $16,395,000 $224,589 $5,484 2.99%
PALM BAY-MELBOURNE-TITUSVILLE, FL 57 $15,885,000 $278,684 $4,268 2.76%
FAYETTEVILLE, NC 62 $15,480,000 $249,677 $3,406 2.72%
BAKERSFIELD, CA 58 $15,320,000 $264,138 $5,039 2.91%
DURHAM-CHAPEL HILL, NC 51 $14,735,000 $288,922 $4,932 2.78%
CAPE CORAL-FORT MYERS, FL 65 $14,655,000 $225,462 $5,527 3.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 50 $14,580,000 $291,600 $4,390 2.68%
ASHEVILLE, NC 51 $14,175,000 $277,941 $4,197 2.89%
KNOXVILLE, TN 52 $14,140,000 $271,923 $4,337 2.76%
SALINAS, CA 32 $13,740,000 $429,375 $5,553 2.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 53 $13,685,000 $258,208 $6,711 2.98%
PENSACOLA-FERRY PASS-BRENT, FL 49 $13,435,000 $274,184 $4,315 2.66%
MEDFORD, OR 44 $13,060,000 $296,818 $5,751 2.87%
MODESTO, CA 42 $12,960,000 $308,571 $4,931 2.85%
GREELEY, CO 40 $12,900,000 $322,500 $4,782 2.82%
BRIDGEPORT-STAMFORD-NORWALK, CT 36 $12,800,000 $355,556 $8,267 3.02%
MEMPHIS, TN-MS-AR 46 $12,750,000 $277,174 $4,362 2.75%
ELGIN, IL 47 $12,325,000 $262,234 $4,924 2.88%
BIRMINGHAM-HOOVER, AL 40 $12,320,000 $308,000 $4,629 2.71%
EUGENE-SPRINGFIELD, OR 44 $12,250,000 $278,409 $4,920 2.77%
PHILADELPHIA, PA 45 $12,185,000 $270,778 $5,950 2.92%
BELLINGHAM, WA 42 $11,650,000 $277,381 $6,037 3.09%
LOUISVILLE/JEFFERSON COUNTY, KY-IN 42 $11,010,000 $262,143 $4,148 2.71%
AKRON, OH 57 $11,005,000 $193,070 $4,865 3.06%
PITTSBURGH, PA 42 $10,940,000 $260,476 $5,536 2.69%
FORT COLLINS, CO 33 $10,935,000 $331,364 $4,776 2.63%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 49 $10,915,000 $222,755 $4,737 2.81%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY 34 $10,530,000 $309,706 $7,528 3.14%
ST. LOUIS, MO-IL 40 $10,480,000 $262,000 $3,913 2.64%
TRENTON-PRINCETON, NJ 40 $10,330,000 $258,250 $5,810 2.97%
KILLEEN-TEMPLE, TX 43 $10,325,000 $240,116 $4,116 2.66%
CHARLESTON-NORTH CHARLESTON, SC 38 $10,260,000 $270,000 $5,069 2.77%
YORK-HANOVER, PA 44 $10,230,000 $232,500 $7,072 2.89%
VISALIA, CA 38 $9,960,000 $262,105 $5,208 2.96%
BEND, OR 31 $9,765,000 $315,000 $5,057 2.91%
SANTA MARIA-SANTA BARBARA, CA 24 $9,730,000 $405,417 $4,125 2.56%
GARY, IN 38 $9,670,000 $254,474 $5,392 3.03%
SAN LUIS OBISPO-PASO ROBLES, CA 21 $9,605,000 $457,381 $4,104 2.70%
CLARKSVILLE, TN-KY 38 $9,330,000 $245,526 $3,917 2.63%
SANTA ROSA-PETALUMA, CA 20 $9,270,000 $463,500 $5,966 2.78%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 20 $9,240,000 $462,000 $4,205 2.58%
CHATTANOOGA, TN-GA 40 $9,070,000 $226,750 $5,215 3.01%
AUGUSTA-RICHMOND COUNTY, GA-SC 34 $8,890,000 $261,471 $3,972 2.67%
HUNTSVILLE, AL 27 $8,705,000 $322,407 $4,304 2.63%
CALIFORNIA-LEXINGTON PARK, MD 29 $8,695,000 $299,828 $5,412 2.73%
RENO, NV 26 $8,390,000 $322,692 $6,380 2.93%
PANAMA CITY, FL 27 $8,325,000 $308,333 $4,452 2.55%
NAPLES-MARCO ISLAND, FL 27 $8,145,000 $301,667 $5,634 2.81%
WILMINGTON, NC 29 $7,995,000 $275,690 $4,310 2.77%
WILMINGTON, DE-MD-NJ 28 $7,660,000 $273,571 $6,531 2.97%
SAVANNAH, GA 30 $7,530,000 $251,000 $4,659 2.80%
DAYTON-KETTERING, OH 29 $7,345,000 $253,276 $3,709 2.59%
SEBASTIAN-VERO BEACH, FL 34 $7,340,000 $215,882 $4,357 3.25%
COLUMBIA, SC 26 $7,310,000 $281,154 $4,266 2.66%
LAKE HAVASU CITY-KINGMAN, AZ 29 $7,175,000 $247,414 $4,780 2.93%
LAKE COUNTY-KENOSHA COUNTY, IL-WI 28 $6,980,000 $249,286 $5,599 2.91%
GREENSBORO-HIGH POINT, NC 29 $6,945,000 $239,483 $4,408 2.81%
PUNTA GORDA, FL 32 $6,750,000 $210,938 $4,251 3.18%
GREENVILLE-ANDERSON, SC 32 $6,410,000 $200,313 $4,719 2.95%
EL PASO, TX 27 $6,375,000 $236,111 $4,078 2.82%
YUBA CITY, CA 21 $6,285,000 $299,286 $5,294 2.73%
GRAND RAPIDS-KENTWOOD, MI 30 $6,170,000 $205,667 $4,670 3.00%
ALBANY-LEBANON, OR 22 $6,160,000 $280,000 $5,745 2.60%
WINSTON-SALEM, NC 25 $6,025,000 $241,000 $4,593 2.78%
NEW HAVEN-MILFORD, CT 20 $5,740,000 $287,000 $5,623 2.93%
PRESCOTT VALLEY-PRESCOTT, AZ 23 $5,705,000 $248,043 $3,487 2.67%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT 23 $5,605,000 $243,696 $5,612 2.74%
MOUNT VERNON-ANACORTES, WA 23 $5,585,000 $242,826 $4,921 3.02%
MERCED, CA 21 $5,585,000 $265,952 $5,526 2.86%
JACKSONVILLE, NC 24 $5,290,000 $220,417 $3,614 2.59%
HANFORD-CORCORAN, CA 17 $5,125,000 $301,471 $4,048 2.70%
HARRISBURG-CARLISLE, PA 19 $5,115,000 $269,211 $6,619 2.91%
REDDING, CA 17 $4,915,000 $289,118 $4,324 2.76%
DETROIT-DEARBORN-LIVONIA, MI 21 $4,875,000 $232,143 $4,671 2.90%
MILWAUKEE-WAUKESHA, WI 18 $4,820,000 $267,778 $4,205 2.58%
GAINESVILLE, GA 22 $4,810,000 $218,636 $5,970 3.02%
EAST STROUDSBURG, PA 23 $4,765,000 $207,174 $6,568 3.38%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 17 $4,715,000 $277,353 $6,690 3.26%
HAGERSTOWN-MARTINSBURG, MD-WV 18 $4,680,000 $260,000 $5,553 2.86%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 14 $4,640,000 $331,429 $4,227 2.68%
SIERRA VISTA-DOUGLAS, AZ 20 $4,500,000 $225,000 $3,224 2.64%
SAN RAFAEL, CA 8 $4,480,000 $560,000 $7,934 2.75%
BOULDER, CO 12 $4,430,000 $369,167 $6,060 2.91%
CANTON-MASSILLON, OH 21 $4,395,000 $209,286 $4,844 3.18%
TALLAHASSEE, FL 16 $4,270,000 $266,875 $4,764 2.74%
PUEBLO, CO 18 $4,170,000 $231,667 $4,371 2.66%
WARNER ROBINS, GA 15 $4,165,000 $277,667 $5,644 2.71%
OCALA, FL 18 $4,160,000 $231,111 $4,931 2.91%
CORPUS CHRISTI, TX 15 $4,085,000 $272,333 $5,156 2.67%
READING, PA 18 $4,040,000 $224,444 $7,217 2.76%
YUMA, AZ 16 $4,040,000 $252,500 $4,226 2.77%
BOSTON, MA 9 $3,995,000 $443,889 $13,420 3.39%
COLUMBUS, GA-AL 15 $3,715,000 $247,667 $4,216 2.58%
SPOKANE-SPOKANE VALLEY, WA 17 $3,705,000 $217,941 $5,007 3.10%
TOLEDO, OH 16 $3,690,000 $230,625 $4,744 2.83%
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 8 $3,680,000 $460,000 $7,106 3.06%
MIDLAND, TX 15 $3,665,000 $244,333 $6,651 3.16%
NEW ORLEANS-METAIRIE, LA 14 $3,640,000 $260,000 $4,582 2.85%
HILTON HEAD ISLAND-BLUFFTON, SC 12 $3,600,000 $300,000 $4,493 2.61%
GRAND JUNCTION, CO 14 $3,600,000 $257,143 $3,719 2.88%
FLAGSTAFF, AZ 15 $3,595,000 $239,667 $4,457 2.98%
OLYMPIA-LACEY-TUMWATER, WA 13 $3,585,000 $275,769 $5,021 3.10%
HICKORY-LENOIR-MORGANTON, NC 15 $3,545,000 $236,333 $4,338 2.89%
ATLANTIC CITY-HAMMONTON, NJ 13 $3,335,000 $256,538 $5,070 3.06%
ODESSA, TX 14 $3,210,000 $229,286 $7,188 3.03%
SALISBURY, MD-DE 15 $3,195,000 $213,000 $5,797 2.98%
MONTGOMERY, AL 10 $3,190,000 $319,000 $3,608 2.85%
TYLER, TX 12 $3,180,000 $265,000 $4,871 3.03%
LANCASTER, PA 13 $3,175,000 $244,231 $5,867 2.73%
BRUNSWICK, GA 10 $3,040,000 $304,000 $4,648 2.51%
DAPHNE-FAIRHOPE-FOLEY, AL 14 $2,930,000 $209,286 $3,837 2.79%
NEW BERN, NC 12 $2,860,000 $238,333 $3,613 2.72%
THE VILLAGES, FL 14 $2,820,000 $201,429 $4,679 2.96%
LUBBOCK, TX 11 $2,815,000 $255,909 $4,961 2.73%
CHICO, CA 11 $2,695,000 $245,000 $5,624 2.84%
MADERA, CA 11 $2,685,000 $244,091 $4,309 2.74%
HOMOSASSA SPRINGS, FL 10 $2,580,000 $258,000 $4,098 2.56%
ROCHESTER, MN 10 $2,560,000 $256,000 $4,367 2.61%
KINGSPORT-BRISTOL, TN-VA 14 $2,560,000 $182,857 $3,950 2.79%
JOHNSON CITY, TN 12 $2,560,000 $213,333 $5,223 2.84%
ANN ARBOR, MI 10 $2,530,000 $253,000 $5,292 2.83%
SCRANTON--WILKES-BARRE, PA 11 $2,495,000 $226,818 $5,959 2.89%
ELIZABETHTOWN-FORT KNOX, KY 9 $2,475,000 $275,000 $4,208 2.61%
KENNEWICK-RICHLAND, WA 10 $2,460,000 $246,000 $5,227 3.13%
OCEAN CITY, NJ 8 $2,460,000 $307,500 $5,128 3.25%
COEUR D'ALENE, ID 8 $2,440,000 $305,000 $7,620 3.00%
SANTA CRUZ-WATSONVILLE, CA 6 $2,380,000 $396,667 $6,276 2.56%
ALBANY-SCHENECTADY-TROY, NY 7 $2,365,000 $337,857 $5,886 2.77%
BURLINGTON, NC 10 $2,320,000 $232,000 $4,590 2.84%
MOBILE, AL 10 $2,320,000 $232,000 $5,043 2.96%
CORVALLIS, OR 6 $2,180,000 $363,333 $5,683 2.77%
GREENVILLE, NC 10 $2,180,000 $218,000 $3,465 2.49%
MCALLEN-EDINBURG-MISSION, TX 9 $2,175,000 $241,667 $4,693 3.15%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 13 $2,135,000 $164,231 $4,449 2.90%
NAPA, CA 5 $2,125,000 $425,000 $5,388 3.03%
EVANSVILLE, IN-KY 9 $2,065,000 $229,444 $3,904 2.99%
PROVIDENCE-WARWICK, RI-MA 7 $2,065,000 $295,000 $6,131 2.79%
LEBANON, PA 7 $1,955,000 $279,286 $6,667 2.71%
MACON-BIBB COUNTY, GA 8 $1,870,000 $233,750 $5,446 2.78%
LONGVIEW, TX 8 $1,840,000 $230,000 $3,892 3.05%
BUFFALO-CHEEKTOWAGA, NY 9 $1,825,000 $202,778 $7,601 4.15%
BROWNSVILLE-HARLINGEN, TX 8 $1,790,000 $223,750 $4,411 2.47%
KANSAS CITY, MO-KS 9 $1,785,000 $198,333 $4,978 2.97%
MORRISTOWN, TN 6 $1,780,000 $296,667 $6,261 2.92%
GETTYSBURG, PA 6 $1,770,000 $295,000 $7,685 2.73%
WACO, TX 7 $1,745,000 $249,286 $4,255 2.89%
ROCHESTER, NY 6 $1,730,000 $288,333 $4,784 2.94%
BOISE CITY, ID 6 $1,730,000 $288,333 $8,299 3.02%
GAINESVILLE, FL 7 $1,725,000 $246,429 $4,808 2.86%
SOUTH BEND-MISHAWAKA, IN-MI 7 $1,635,000 $233,571 $3,433 2.88%
CHAMBERSBURG-WAYNESBORO, PA 6 $1,630,000 $271,667 $5,704 2.46%
DULUTH, MN-WI 5 $1,625,000 $325,000 $3,543 2.60%
LANSING-EAST LANSING, MI 8 $1,570,000 $196,250 $3,291 2.98%
FLORENCE, SC 5 $1,555,000 $311,000 $6,421 2.50%
CARSON CITY, NV 5 $1,525,000 $305,000 $5,824 2.98%
FORT WAYNE, IN 7 $1,515,000 $216,429 $4,251 3.39%
WENATCHEE, WA 5 $1,515,000 $303,000 $8,484 3.35%
GRANTS PASS, OR 5 $1,485,000 $297,000 $5,163 2.65%
ELKHART-GOSHEN, IN 6 $1,480,000 $246,667 $5,166 2.90%
MADISON, WI 5 $1,435,000 $287,000 $5,677 2.93%
PEORIA, IL 5 $1,425,000 $285,000 $3,127 2.43%
SPRINGFIELD, MA 7 $1,425,000 $203,571 $5,434 3.07%
CLEVELAND, TN 7 $1,415,000 $202,143 $4,337 2.88%
BLOOMINGTON, IN 6 $1,410,000 $235,000 $3,393 2.83%
ERIE, PA 5 $1,385,000 $277,000 $4,832 2.50%
KINGSTON, NY 6 $1,370,000 $228,333 $6,840 3.48%
SEBRING-AVON PARK, FL 6 $1,360,000 $226,667 $3,787 3.10%
SPARTANBURG, SC 6 $1,340,000 $223,333 $5,431 3.27%
ATHENS-CLARKE COUNTY, GA 6 $1,330,000 $221,667 $4,424 3.00%
BATON ROUGE, LA 5 $1,285,000 $257,000 $3,917 2.63%
WORCESTER, MA-CT 5 $1,255,000 $251,000 $6,607 2.85%
WICHITA FALLS, TX 5 $1,225,000 $245,000 $3,222 2.50%
DES MOINES-WEST DES MOINES, IA 5 $1,225,000 $245,000 $3,097 2.63%
ABILENE, TX 5 $1,195,000 $239,000 $3,980 2.68%
TULSA, OK 5 $1,195,000 $239,000 $9,771 3.05%
CARBONDALE-MARION, IL 5 $1,155,000 $231,000 $3,292 2.75%
LAFAYETTE-WEST LAFAYETTE, IN 5 $1,145,000 $229,000 $6,411 3.18%
RACINE, WI 4 $1,110,000 $277,500 $5,006 3.00%
SHERMAN-DENISON, TX 4 $1,090,000 $272,500 $4,876 2.53%
LONGVIEW, WA 3 $1,085,000 $361,667 $5,102 2.67%
JACKSON, MS 3 $1,045,000 $348,333 $6,247 3.29%
SUMTER, SC 5 $1,015,000 $203,000 $4,636 3.28%
EL CENTRO, CA 5 $1,005,000 $201,000 $4,822 2.95%
SAN ANGELO, TX 5 $1,005,000 $201,000 $5,335 3.03%
YAKIMA, WA 5 $995,000 $199,000 $4,605 2.73%
BATTLE CREEK, MI 4 $960,000 $240,000 $4,208 2.81%
BLOOMINGTON, IL 4 $950,000 $237,500 $5,235 2.94%
STATE COLLEGE, PA 3 $945,000 $315,000 $5,875 2.92%
SPRINGFIELD, IL 3 $925,000 $308,333 $4,491 2.42%
EAU CLAIRE, WI 4 $920,000 $230,000 $4,852 2.47%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 3 $895,000 $298,333 $4,777 2.96%
MONROE, LA 4 $880,000 $220,000 $2,758 2.75%
SHREVEPORT-BOSSIER CITY, LA 5 $855,000 $171,000 $4,020 2.75%
TUSCALOOSA, AL 3 $835,000 $278,333 $4,540 2.88%
MANKATO, MN 3 $825,000 $275,000 $3,106 2.75%
GOLDSBORO, NC 4 $820,000 $205,000 $4,972 2.50%
BINGHAMTON, NY 5 $805,000 $161,000 $5,838 3.53%
VALDOSTA, GA 4 $800,000 $200,000 $3,504 2.75%
JACKSON, TN 3 $795,000 $265,000 $3,124 2.63%
AMARILLO, TX 4 $790,000 $197,500 $5,677 2.63%
LEXINGTON-FAYETTE, KY 3 $785,000 $261,667 $4,621 2.67%
NORWICH-NEW LONDON, CT 3 $785,000 $261,667 $5,864 3.13%
COLLEGE STATION-BRYAN, TX 2 $760,000 $380,000 $7,483 2.38%
HINESVILLE, GA 3 $745,000 $248,333 $3,958 2.79%
AUBURN-OPELIKA, AL 3 $745,000 $248,333 $4,468 2.67%
FLINT, MI 3 $735,000 $245,000 $5,910 3.21%
SPRINGFIELD, OH 3 $735,000 $245,000 $3,860 2.67%
TEXARKANA, TX-AR 3 $715,000 $238,333 $4,736 2.54%
DOVER, DE 3 $705,000 $235,000 $5,860 3.38%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL 3 $695,000 $231,667 $3,351 3.04%
BEAUMONT-PORT ARTHUR, TX 3 $675,000 $225,000 $6,440 2.67%
VINELAND-BRIDGETON, NJ 3 $675,000 $225,000 $2,863 2.29%
HUNTINGTON-ASHLAND, WV-KY-OH 3 $655,000 $218,333 $4,610 2.79%
LEWISTON, ID-WA 1 $645,000 $645,000 $17,803 6.75%
BOWLING GREEN, KY 2 $630,000 $315,000 $3,991 2.81%
BARNSTABLE TOWN, MA 2 $630,000 $315,000 $6,054 2.69%
ROME, GA 3 $625,000 $208,333 $5,851 2.75%
ST. CLOUD, MN 3 $615,000 $205,000 $5,327 2.63%
DOTHAN, AL 3 $605,000 $201,667 $4,067 2.75%
NILES, MI 3 $605,000 $201,667 $5,073 2.71%
MUNCIE, IN 3 $605,000 $201,667 $4,128 3.04%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 4 $580,000 $145,000 $4,529 3.19%
ALBANY, GA 2 $580,000 $290,000 $3,491 2.50%
KALAMAZOO-PORTAGE, MI 2 $560,000 $280,000 $5,095 2.63%
ROCKY MOUNT, NC 3 $555,000 $185,000 $4,167 3.00%
SAGINAW, MI 2 $540,000 $270,000 $3,899 2.25%
LAFAYETTE, LA 2 $510,000 $255,000 $3,925 2.38%
LAKE CHARLES, LA 2 $500,000 $250,000 $3,453 2.25%
ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH 3 $495,000 $165,000 $5,621 3.38%
PORTLAND-SOUTH PORTLAND, ME 1 $465,000 $465,000 $8,557 3.00%
OKLAHOMA CITY, OK 2 $460,000 $230,000 $5,479 2.75%
WILLIAMSPORT, PA 2 $460,000 $230,000 $5,062 2.50%
PITTSFIELD, MA 1 $445,000 $445,000 $20,600 3.00%
FLORENCE-MUSCLE SHOALS, AL 2 $430,000 $215,000 $7,707 3.44%
MONROE, MI 2 $420,000 $210,000 $4,990 3.81%
MICHIGAN CITY-LA PORTE, IN 2 $420,000 $210,000 $4,661 2.38%
LIMA, OH 2 $420,000 $210,000 $3,215 2.75%
CHAMPAIGN-URBANA, IL 2 $420,000 $210,000 $2,837 2.25%
ITHACA, NY 2 $410,000 $205,000 $6,514 3.13%
JOHNSTOWN, PA 1 $405,000 $405,000 $6,043 2.75%
TERRE HAUTE, IN 2 $400,000 $200,000 $3,307 3.00%
SALT LAKE CITY, UT 2 $400,000 $200,000 $5,613 2.50%
MANCHESTER-NASHUA, NH 2 $400,000 $200,000 $7,729 3.06%
GREAT FALLS, MT 2 $390,000 $195,000 $3,117 3.25%
ALBUQUERQUE, NM 2 $390,000 $195,000 $9,667 3.88%
BILLINGS, MT 2 $380,000 $190,000 $4,734 3.38%
HOUMA-THIBODAUX, LA 1 $375,000 $375,000 $6,819 2.75%
DECATUR, AL 2 $370,000 $185,000 $4,375 2.38%
WICHITA, KS 1 $365,000 $365,000 $2,121 2.25%
ROCKFORD, IL 2 $360,000 $180,000 $3,198 2.56%
ANCHORAGE, AK 1 $345,000 $345,000 $8,102 2.63%
LAS CRUCES, NM 2 $340,000 $170,000 $3,444 2.50%
LEWISTON-AUBURN, ME 1 $335,000 $335,000 $2,910 2.25%
WAUSAU-WESTON, WI 2 $330,000 $165,000 $4,278 2.81%
ALTOONA, PA 1 $325,000 $325,000 $4,301 2.25%
GREEN BAY, WI 2 $320,000 $160,000 $4,985 3.50%
JONESBORO, AR 1 $315,000 $315,000 $3,348 2.88%
LAREDO, TX 1 $305,000 $305,000 $3,049 2.25%
OSHKOSH-NEENAH, WI 2 $280,000 $140,000 $4,629 2.94%
APPLETON, WI 1 $255,000 $255,000 $7,211 2.63%
VICTORIA, TX 1 $255,000 $255,000 $8,016 3.50%
GADSDEN, AL 2 $250,000 $125,000 $3,933 3.00%
MUSKEGON, MI 1 $245,000 $245,000 $2,247 2.88%
BLOOMSBURG-BERWICK, PA 1 $245,000 $245,000 $4,533 2.25%
DECATUR, IL 1 $225,000 $225,000 $3,425 2.38%
BANGOR, ME 1 $205,000 $205,000 $7,401 3.13%
CHEYENNE, WY 1 $205,000 $205,000 $9,206 2.75%
JANESVILLE-BELOIT, WI 1 $205,000 $205,000 $4,210 2.75%
WALLA WALLA, WA 1 $205,000 $205,000 $2,996 3.38%
CASPER, WY 1 $205,000 $205,000 $4,550 3.25%
KANKAKEE, IL 1 $185,000 $185,000 $3,775 2.75%
DALTON, GA 1 $185,000 $185,000 $3,471 3.13%
TOPEKA, KS 1 $185,000 $185,000 $5,378 3.00%
FARMINGTON, NM 2 $180,000 $90,000 $4,123 3.44%
BURLINGTON-SOUTH BURLINGTON, VT 1 $175,000 $175,000 $3,641 3.00%
FORT SMITH, AR-OK 1 $155,000 $155,000 $3,927 2.88%
UTICA-ROME, NY 1 $155,000 $155,000 $5,524 4.00%
KOKOMO, IN 1 $145,000 $145,000 $3,769 3.75%
SIOUX FALLS, SD 1 $145,000 $145,000 $5,041 3.50%
FOND DU LAC, WI 1 $125,000 $125,000 $3,685 3.13%
ELMIRA, NY 1 $125,000 $125,000 $6,581 4.63%
MANHATTAN, KS 1 $115,000 $115,000 $3,931 3.38%
IOWA CITY, IA 1 $115,000 $115,000 $3,486 2.88%
IDAHO FALLS, ID 1 $105,000 $105,000 $5,318 3.13%
COLUMBUS, IN 1 $95,000 $95,000 $4,513 3.00%

Intercontinental Capital Group Inc's top markets include Nassau County, New York, Baltimore, Phoenix, and Atlanta among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 6,518 $1,995,470,000 $306,148
3-4% 5,518 $1,598,770,000 $289,737
<2.5% 5,051 $1,590,435,000 $314,875
4-5% 496 $130,860,000 $263,831
5-6% 18 $5,560,000 $308,889
6-7% 3 $1,755,000 $585,000
Over 8% 2 $520,000 $260,000

During 2020, Intercontinental Capital Group Inc's average interest rate was 2.96%, while their most frequently originated rate bucket was 2.5-3%, with 6,518 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 11,230 $3,226,610,000 $287,321 $5,648 2.88%
$100k-200k 2,908 $464,160,000 $159,615 $4,675 3.07%
$400k-600k 2,836 $1,329,460,000 $468,780 $6,878 2.86%
$600k-1MM 393 $271,865,000 $691,768 $10,725 2.96%
$100,000 or less 229 $19,305,000 $84,301 $4,117 3.24%
$1MM+ 10 $11,970,000 $1,197,000 $25,828 2.75%

2020 saw Intercontinental Capital Group Inc place emphasis on $200k-400k loans with 11,230 originations, totaling $3,226,610,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 2,654 $888,530,000 $334,789 $6,881 3.05%
$75k-100k 1,988 $561,840,000 $282,616 $6,499 3.11%
$50k-75k 1,888 $427,870,000 $226,626 $6,046 3.23%
$150k-250k 1,552 $595,800,000 $383,892 $6,214 2.93%
$50k or less 828 $135,970,000 $164,215 $5,396 3.26%
$250k+ 366 $158,390,000 $432,760 $5,703 2.86%

Intercontinental Capital Group Inc lent most frequently to those with incomes in the $100k-150k range, with 2,654 originations. The second most popular income band? $75k-100k, with 1,988 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 2,128 $606,250,000 $284,892 $5,215 2.97%
30-36% 1,708 $501,760,000 $293,770 $5,851 3.11%
<20% 716 $194,050,000 $271,020 $4,629 2.85%
44% 428 $131,220,000 $306,589 $6,903 3.19%
43% 390 $117,680,000 $301,744 $6,817 3.22%
42% 384 $118,370,000 $308,255 $6,536 3.16%
50-60% 381 $125,125,000 $328,412 $12,179 3.27%
39% 339 $98,665,000 $291,047 $5,879 3.12%
38% 333 $98,675,000 $296,321 $6,069 3.10%
36% 321 $95,245,000 $296,713 $6,192 3.13%
40% 314 $95,850,000 $305,255 $6,371 3.20%
41% 304 $92,950,000 $305,757 $6,618 3.16%
37% 298 $88,670,000 $297,550 $6,290 3.12%
45% 272 $89,340,000 $328,456 $7,658 3.18%
46% 259 $82,585,000 $318,861 $7,773 3.13%
49% 249 $83,595,000 $335,723 $7,837 3.24%
47% 228 $74,620,000 $327,281 $8,284 3.22%
48% 220 $72,320,000 $328,727 $7,854 3.20%
>60% 9 $3,765,000 $418,333 $11,064 4.04%

Intercontinental Capital Group Inc lent most frequently to those with DTI ratios of 20-30%, with 2,128 originations. The next most common DTI ratio? 30-36%, with 1,708 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 11,494 $3,411,070,000 $296,770 $5,596 2.92%
Not provided 2,919 $876,355,000 $300,224 $5,291 2.80%
Black 2,296 $712,780,000 $310,444 $7,283 3.06%
Asian 741 $274,525,000 $370,479 $6,173 2.86%
American Indian 101 $30,115,000 $298,168 $5,470 2.94%
Native Hawaiian 48 $15,800,000 $329,167 $6,181 2.92%
Asian Indian 3 $1,055,000 $351,667 $4,117 2.33%
Other Pacific Islander 2 $700,000 $350,000 $5,187 3.06%
Other Asian 1 $515,000 $515,000 $5,110 2.75%
Chinese 1 $455,000 $455,000 $5,835 2.88%

Approval Rates

Total approvals of all applications
95.58%

Intercontinental Capital Group Inc 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
51.09%

Intercontinental Capital Group Inc 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 17,606 $5,323,370,000 $302,361

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 167 $37,025,000 $221,707
Single Family (1-4 Units):Site-Built 17,439 $5,286,345,000 $303,133

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 472 $113,150,000 $239,725 $4,490 2.83%
40-60% 1,682 $472,700,000 $281,034 $4,731 2.86%
60-80% 4,384 $1,322,750,000 $301,722 $5,894 3.14%
80-100% 2,700 $855,020,000 $316,674 $8,320 3.21%
Over 100% 32 $9,780,000 $305,625 $13,378 3.57%
Under 20% 44 $7,700,000 $175,000 $4,279 2.89%