Intercap Lending Mortgage Rates, Fees & Info

ESPANOLA, NM

LEI: 549300S5FVOSK5DQJN30

Tax ID: 85-0260899

4.2 stars - out of 5 stars, based on 113 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Intercap Lending is a mid-sized mortgage company specializing in Home Purchase and Refi loans. Intercap Lending 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: Salt Lake City, Provo, Ogden, San Diego, and St. George among others. We have data for 209 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Intercap Lending 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. Intercap Lending 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.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.15% 11/27/22
    30 Year Conventional Refi 6.84% 11/27/22
    30 Year Cash-out Refi 7.02% 11/27/22
    30 Year FHA Purchase 7.80% 11/27/22
    30 Year FHA Refi 7.43% 11/27/22
    30 Year VA Purchase 6.59% 11/27/22
    30 Year VA Refi 6.25% 11/27/22
    30 Year USDA Purchase 7.14% 11/27/22
    30 Year USDA Refi 7.12% 11/27/22
    15 Year Conventional Purchase 6.70% 11/27/22
    15 Year Conventional Refi 6.16% 11/27/22
    15 Year Cash-out Refi 6.16% 11/27/22
    15 Year FHA Purchase 6.87% 11/27/22
    15 Year FHA Refi 5.90% 11/27/22
    15 Year VA Refi 6.10% 11/27/22
    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.


    Originations

    12,692

    Origination Dollar Volume (All Markets)

    $4,291,640,000
    Show all (7) awards

    Relative Rate

    Intercap Lending's average 30 year fixed mortgage rate was 3.2%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.05%.

    Relative Fees (Closing Costs)

    Intercap Lending's average total fees/closing costs for a 30 year fixed rate mortgage were $5,442.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    SALT LAKE CITY, UT (FHA|USDA|VA) 4,571 $1,622,895,000 $355,042 $5,078 3.19%
    PROVO-OREM, UT (FHA|USDA|VA) 2,077 $723,925,000 $348,544 $5,375 3.19%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2,249 $699,335,000 $310,954 $5,264 3.15%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 440 $223,220,000 $507,318 $6,329 2.95%
    ST. GEORGE, UT (FHA|USDA|VA) 503 $161,355,000 $320,785 $4,654 3.15%
    Heber, UT (FHA|USDA|VA) 252 $132,680,000 $526,508 $5,066 3.11%
    Outside of Metro Areas 434 $100,650,000 $231,912 $5,444 3.26%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 271 $80,365,000 $296,550 $6,700 3.08%
    LOGAN, UT-ID (FHA|USDA|VA) 265 $73,415,000 $277,038 $4,685 2.96%
    Cedar City, UT (FHA|USDA|VA) 225 $57,395,000 $255,089 $4,900 3.19%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 67 $41,615,000 $621,119 $7,235 3.03%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 156 $38,610,000 $247,500 $6,534 2.76%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 140 $37,900,000 $270,714 $5,798 2.99%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 62 $34,520,000 $556,774 $6,243 2.91%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 87 $31,695,000 $364,310 $5,710 2.90%
    Vernal, UT (FHA|USDA|VA) 182 $31,240,000 $171,648 $6,773 3.40%
    BOISE CITY, ID (FHA|USDA|VA) 28 $8,510,000 $303,929 $4,933 2.84%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 25 $8,395,000 $335,800 $4,343 2.80%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 16 $7,430,000 $464,375 $6,303 2.92%
    RENO, NV (FHA|USDA|VA) 16 $6,720,000 $420,000 $3,509 2.85%
    IDAHO FALLS, ID (FHA|USDA|VA) 23 $5,485,000 $238,478 $4,310 3.27%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 24 $5,320,000 $221,667 $6,183 2.93%
    TUCSON, AZ (FHA|USDA|VA) 16 $5,200,000 $325,000 $4,281 3.28%
    Price, UT (FHA|USDA|VA) 32 $5,170,000 $161,563 $5,648 3.38%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 13 $4,535,000 $348,846 $7,167 2.93%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 9 $4,495,000 $499,444 $10,505 2.79%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 8 $3,920,000 $490,000 $5,963 2.73%
    Rexburg, ID (FHA|USDA|VA) 12 $3,890,000 $324,167 $6,048 3.31%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 11 $3,795,000 $345,000 $4,496 3.33%
    Elko, NV (FHA|USDA|VA) 13 $3,775,000 $290,385 $6,730 2.83%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 14 $3,650,000 $260,714 $6,539 3.02%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 16 $3,510,000 $219,375 $4,611 2.90%
    VALLEJO, CA (FHA|USDA|VA) 10 $2,980,000 $298,000 $5,589 2.58%
    POCATELLO, ID (FHA|USDA|VA) 14 $2,970,000 $212,143 $4,698 3.41%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 9 $2,845,000 $316,111 $4,558 3.03%
    ALBUQUERQUE, NM (FHA|USDA|VA) 9 $2,785,000 $309,444 $4,170 2.92%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 10 $2,770,000 $277,000 $5,010 3.14%
    STOCKTON, CA (FHA|USDA|VA) 5 $2,705,000 $541,000 $4,267 3.08%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 5 $2,635,000 $527,000 $5,583 2.88%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $2,405,000 $481,000 $7,699 2.75%
    SALEM, OR (FHA|USDA|VA) 7 $2,115,000 $302,143 $6,186 3.23%
    FLAGSTAFF, AZ (FHA|USDA|VA) 6 $1,950,000 $325,000 $5,559 3.19%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 11 $1,935,000 $175,909 $4,217 3.49%
    TWIN FALLS, ID (FHA|USDA|VA) 7 $1,905,000 $272,143 $4,207 2.91%
    Evanston, WY (FHA|USDA|VA) 6 $1,740,000 $290,000 $4,388 2.73%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,670,000 $278,333 $4,161 3.17%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $1,650,000 $275,000 $4,363 2.71%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $1,580,000 $263,333 $3,057 2.56%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $1,575,000 $225,000 $4,612 3.05%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,530,000 $382,500 $4,072 3.22%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 7 $1,525,000 $217,857 $4,372 3.02%
    Blackfoot, ID (FHA|USDA|VA) 5 $1,485,000 $297,000 $4,962 3.40%
    HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,435,000 $287,000 $3,756 2.23%
    YUMA, AZ (FHA|USDA|VA) 5 $1,425,000 $285,000 $5,488 2.67%
    TULSA, OK (FHA|USDA|VA) 6 $1,340,000 $223,333 $4,185 3.60%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $1,310,000 $655,000 $4,638 3.13%
    RALEIGH-CARY, NC (FHA|USDA|VA) 3 $1,295,000 $431,667 $3,426 2.96%
    Jackson, WY-ID (FHA|USDA|VA) 4 $1,260,000 $315,000 $4,399 3.09%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,255,000 $418,333 $6,119 2.71%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 5 $1,215,000 $243,000 $3,744 3.10%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 4 $1,200,000 $300,000 $8,154 3.50%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,180,000 $295,000 $4,660 2.28%
    FORT COLLINS, CO (FHA|USDA|VA) 3 $1,145,000 $381,667 $7,229 3.33%
    EL PASO, TX (FHA|USDA|VA) 4 $1,140,000 $285,000 $4,692 2.88%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $1,120,000 $280,000 $4,158 2.81%
    BAKERSFIELD, CA (FHA|USDA|VA) 4 $1,060,000 $265,000 $6,774 2.84%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,035,000 $147,857 $2,200 2.82%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $1,000,000 $250,000 $3,114 2.84%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $945,000 $315,000 $5,593 2.42%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $945,000 $315,000 $4,897 2.79%
    Hailey, ID (FHA|USDA|VA) 4 $940,000 $235,000 $3,987 2.59%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $920,000 $460,000 $5,827 3.06%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 8 $910,000 $113,750 $2,726 3.27%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $870,000 $435,000 $5,845 3.13%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $865,000 $288,333 $3,675 2.54%
    CHICO, CA (FHA|USDA|VA) 4 $850,000 $212,500 $6,244 2.81%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $840,000 $210,000 $4,455 2.59%
    GREELEY, CO (FHA|USDA|VA) 3 $835,000 $278,333 $3,079 2.75%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $810,000 $202,500 $3,640 3.16%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $805,000 $268,333 $2,860 3.00%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $795,000 $265,000 $7,995 4.71%
    COLUMBIA, SC (FHA|USDA|VA) 1 $795,000 $795,000 $5,541 3.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $760,000 $380,000 $10,826 2.69%
    Pahrump, NV (FHA|USDA|VA) 3 $745,000 $248,333 $8,323 3.38%
    SALINAS, CA (FHA|USDA|VA) 1 $735,000 $735,000 $11,951 3.38%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $720,000 $360,000 $3,373 2.88%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $705,000 $235,000 $2,262 2.25%
    Summerville, GA (FHA|USDA|VA) 2 $700,000 $350,000 $3,530 2.81%
    HINESVILLE, GA (FHA|USDA|VA) 3 $675,000 $225,000 $8,955 2.54%
    MEDFORD, OR (FHA|USDA|VA) 2 $650,000 $325,000 $3,413 2.56%
    Rock Springs, WY (FHA|USDA|VA) 1 $645,000 $645,000 $3,678 3.38%
    FRESNO, CA (FHA|USDA|VA) 2 $630,000 $315,000 $5,070 3.38%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $615,000 $615,000 $5,824 3.25%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $610,000 $305,000 $4,819 3.06%
    Sandpoint, ID (FHA|USDA|VA) 1 $605,000 $605,000 $12,944 2.88%
    BOULDER, CO (FHA|USDA|VA) 1 $605,000 $605,000 $4,294 2.50%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 5 $595,000 $119,000 $3,064 3.15%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $590,000 $295,000 $3,474 2.75%
    PUEBLO, CO (FHA|USDA|VA) 3 $585,000 $195,000 $7,777 4.08%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $565,000 $565,000 $6,139 3.00%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $560,000 $280,000 $10,099 2.94%
    BATON ROUGE, LA (FHA|USDA|VA) 3 $555,000 $185,000 $2,961 2.46%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3 $555,000 $185,000 $2,749 2.88%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $545,000 $545,000 $5,594 2.88%
    MANKATO, MN (FHA|USDA|VA) 1 $545,000 $545,000 $3,660 2.38%
    SANTA FE, NM (FHA|USDA|VA) 1 $545,000 $545,000 $4,750 2.88%
    Oak Harbor, WA (FHA|USDA|VA) 1 $535,000 $535,000 $3,894 3.63%
    CaƱon City, CO (FHA|USDA|VA) 2 $530,000 $265,000 $5,764 3.44%
    GRAND JUNCTION, CO (FHA|USDA|VA) 3 $525,000 $175,000 $3,291 3.17%
    NAPA, CA (FHA|USDA|VA) 1 $515,000 $515,000 $3,036 3.25%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $505,000 $168,333 $2,451 3.04%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $500,000 $250,000 $2,890 2.38%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $500,000 $250,000 $4,762 2.25%
    Palestine, TX (FHA|USDA|VA) 1 $485,000 $485,000 $17,548 3.00%
    MADERA, CA (FHA|USDA|VA) 2 $470,000 $235,000 $2,200 2.56%
    Wilmington, OH (FHA|USDA|VA) 1 $465,000 $465,000 $4,273 2.63%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 4 $440,000 $110,000 $0 2.56%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $425,000 $425,000 $4,285 2.63%
    ANCHORAGE, AK (FHA|USDA|VA) 1 $425,000 $425,000 $3,428 3.50%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $405,000 $405,000 $4,231 2.25%
    WICHITA, KS (FHA|USDA|VA) 1 $405,000 $405,000 $10,083 3.00%
    Breckenridge, CO (FHA|USDA|VA) 1 $405,000 $405,000 $3,579 2.75%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $395,000 $395,000 $4,005 3.13%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $385,000 $385,000 $6,412 2.88%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $380,000 $190,000 $3,166 3.19%
    NILES, MI (FHA|USDA|VA) 1 $375,000 $375,000 $3,834 2.25%
    Newport, OR (FHA|USDA|VA) 2 $370,000 $185,000 $4,281 3.31%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $365,000 $365,000 $6,828 2.75%
    Safford, AZ (FHA|USDA|VA) 1 $365,000 $365,000 $8,296 2.88%
    Aberdeen, WA (FHA|USDA|VA) 1 $365,000 $365,000 $10,601 2.88%
    Outside of Metro Areas 1 $365,000 $365,000 $8,700 3.63%
    MERCED, CA (FHA|USDA|VA) 3 $345,000 $115,000 $0 1.63%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $340,000 $170,000 $4,144 3.19%
    RICHMOND, VA (FHA|USDA|VA) 2 $330,000 $165,000 $4,656 2.63%
    Fernley, NV (FHA|USDA|VA) 1 $325,000 $325,000 $3,649 3.13%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $325,000 $325,000 $4,271 3.25%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $325,000 $325,000 $3,737 2.99%
    CASPER, WY (FHA|USDA|VA) 1 $325,000 $325,000 $3,491 2.75%
    WACO, TX (FHA|USDA|VA) 2 $320,000 $160,000 $4,464 2.50%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $310,000 $155,000 $1,755 3.75%
    OCALA, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,615 3.50%
    Stephenville, TX (FHA|USDA|VA) 1 $305,000 $305,000 $5,088 3.63%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $305,000 $305,000 $4,334 2.25%
    Shelton, WA (FHA|USDA|VA) 1 $305,000 $305,000 $13,411 2.63%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $300,000 $150,000 $0 3.75%
    ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $295,000 $295,000 $4,212 3.00%
    Madisonville, KY (FHA|USDA|VA) 1 $285,000 $285,000 $3,538 2.50%
    REDDING, CA (FHA|USDA|VA) 1 $285,000 $285,000 $3,035 2.25%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $285,000 $285,000 $5,552 2.75%
    MODESTO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $3,513 3.25%
    Ardmore, OK (FHA|USDA|VA) 1 $275,000 $275,000 $9,094 2.88%
    Alamogordo, NM (FHA|USDA|VA) 2 $270,000 $135,000 $2,319 2.13%
    ABILENE, TX (FHA|USDA|VA) 1 $265,000 $265,000 $10,653 2.63%
    MORRISTOWN, TN (FHA|USDA|VA) 1 $265,000 $265,000 $3,589 2.25%
    VISALIA, CA (FHA|USDA|VA) 2 $260,000 $130,000 $0 2.38%
    Gillette, WY (FHA|USDA|VA) 1 $255,000 $255,000 $3,732 3.38%
    WILMINGTON, NC (FHA|USDA|VA) 1 $245,000 $245,000 $3,398 2.75%
    BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $245,000 $245,000 $4,680 2.25%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $245,000 $245,000 $6,752 3.50%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $235,000 $235,000 $4,698 3.38%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $235,000 $235,000 $2,738 2.63%
    LYNCHBURG, VA (FHA|USDA|VA) 1 $235,000 $235,000 $3,661 2.25%
    Washington, IN (FHA|USDA|VA) 1 $235,000 $235,000 $2,978 3.25%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $235,000 $235,000 $8,315 3.38%
    Fergus Falls, MN (FHA|USDA|VA) 1 $225,000 $225,000 $9,608 2.88%
    LONGVIEW, WA (FHA|USDA|VA) 1 $225,000 $225,000 $3,653 2.25%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $3,155 2.25%
    Richmond-Berea, KY (FHA|USDA|VA) 1 $225,000 $225,000 $3,411 3.25%
    Burley, ID (FHA|USDA|VA) 1 $215,000 $215,000 $3,886 2.99%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $215,000 $215,000 $4,125 3.13%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $205,000 $205,000 $10,639 2.75%
    LINCOLN, NE (FHA|USDA|VA) 1 $205,000 $205,000 $2,829 3.25%
    DECATUR, AL (FHA|USDA|VA) 2 $200,000 $100,000 $3,400 3.25%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $195,000 $195,000 $144 2.88%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $195,000 $195,000 $3,216 2.50%
    Martin, TN (FHA|USDA|VA) 1 $195,000 $195,000 $2,966 2.50%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $195,000 $195,000 $879 2.25%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 2.25%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $195,000 $195,000 $833 2.75%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $185,000 $185,000 $1,884 2.25%
    Quincy, IL-MO (FHA|USDA|VA) 1 $185,000 $185,000 $5,518 2.88%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $175,000 $175,000 $1,502 2.25%
    Palatka, FL (FHA|USDA|VA) 1 $175,000 $175,000 $194 2.25%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $165,000 $165,000 $2,652 2.88%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.75%
    LEWISTON, ID-WA (FHA|USDA|VA) 1 $165,000 $165,000 $3,173 2.88%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $165,000 $165,000 $5,280 3.63%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $2,605 3.38%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.38%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,411 2.63%
    Enterprise, AL (FHA|USDA|VA) 1 $165,000 $165,000 $4,874 2.88%
    Nogales, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $4,036 3.00%
    SAVANNAH, GA (FHA|USDA|VA) 1 $155,000 $155,000 $2,755 2.75%
    Jacksonville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $1,598 2.50%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $145,000 $145,000 $1,979 2.63%
    Show Low, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $2,785 2.75%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $145,000 $145,000 $2,814 2.25%
    WICHITA FALLS, TX (FHA|USDA|VA) 1 $145,000 $145,000 $570 2.75%
    Athens, TX (FHA|USDA|VA) 2 $140,000 $70,000 $0 1.63%
    Mineral Wells, TX (FHA|USDA|VA) 2 $140,000 $70,000 $4,927 1.81%
    Gallup, NM (FHA|USDA|VA) 1 $135,000 $135,000 $3,472 3.25%
    Shelby, NC (FHA|USDA|VA) 1 $125,000 $125,000 $1,975 2.25%
    AKRON, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,262 2.25%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $115,000 $115,000 $1,125 2.25%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.25%
    Sidney, OH (FHA|USDA|VA) 1 $105,000 $105,000 $1,535 2.25%
    Payson, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $4,024 2.63%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $95,000 $95,000 $3,214 4.75%
    Ukiah, CA (FHA|USDA|VA) 1 $15,000 $15,000 $0 0.00%
    Intercap Lending's top markets include Salt Lake City, Provo, Ogden, San Diego, and St. George among others.

    Their top states include:
  • Utah (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against INTERCAP LENDING based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Los Angeles Federal Credit Union
    Similarity Rank: 170
    State Bank of Southern Utah
    Similarity Rank: 432
    Cedar Point Federal Credit Union
    Similarity Rank: 546
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 624
    USC Credit Union
    Similarity Rank: 880
    ALTURA
    Similarity Rank: 923
    MYPOINT Credit Union
    Similarity Rank: 924
    First City Credit Union
    Similarity Rank: 924
    Chaffey Federal Credit Union
    Similarity Rank: 966
    Jordan Federal Credit Union
    Similarity Rank: 980

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 10,441 $3,504,435,000 $335,642 $4,471 3.19%
    FHA 1,356 $446,000,000 $328,909 $10,985 3.05%
    VA 775 $308,255,000 $397,748 $7,830 2.68%
    USDA 120 $32,950,000 $274,583 $7,075 2.97%

    For 2021, Intercap Lending's most frequently originated type of loan was Conventional, with 10,441 originations. Their 2nd most popular type was FHA, with 1,356 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 6,634 $2,360,570,000 $355,829 $6,248 3.27%
    Refi 3,549 $1,102,295,000 $310,593 $4,126 2.92%
    Cash Out Refi 2,506 $827,850,000 $330,347 $4,756 3.14%
    Home Improvement 3 $925,000 $308,333 $4,491 3.04%

    For 2021, Intercap Lending's most frequently cited loan purpose was Home Purchase, with 6,634 originations. The 2nd most popular reason was Refi, with 3,549 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 11,574 $3,983,260,000 $344,156 $5,442 3.20%
    15 Year 828 $233,890,000 $282,476 $3,630 2.55%
    20 Year 206 $55,720,000 $270,485 $3,620 2.87%
    10 Year 42 $7,310,000 $174,048 $3,246 2.49%
    Other 42 $11,460,000 $272,857 $3,379 2.93%

    For 2021, Intercap Lending's most frequently cited loan duration was 30 Year, with 11,574 originations. The 2nd most popular length was 15 Year, with 828 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 6,359 $2,317,285,000 $364,410
    $2k-3k 1,515 $489,705,000 $323,238
    $5k+ 1,180 $488,300,000 $413,814
    $<1k 934 $107,970,000 $115,600
    $3k-4k 925 $318,775,000 $344,622
    $4k-5k 617 $224,665,000 $364,125

    Intercap Lending's average total fees were $5,442, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 6,359 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 5,562 $1,971,470,000 $354,453
    2.5-3% 5,159 $1,901,785,000 $368,634
    <2.5% 1,175 $343,675,000 $292,489
    4-5% 568 $67,090,000 $118,116
    5-6% 218 $4,730,000 $21,697
    6-7% 6 $1,950,000 $325,000
    7-8% 4 $940,000 $235,000

    During 2021, Intercap Lending's average interest rate for loans was 3.20%, while their most frequently originated rate bucket for loans was 3-4%, with 5,562 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 6,656 $1,996,030,000 $299,884 $5,039 3.09%
    $400k-600k 2,966 $1,417,700,000 $477,984 $5,991 3.10%
    $100k-200k 1,499 $240,625,000 $160,524 $3,634 2.99%
    $100,000 or less 785 $21,615,000 $27,535 $2,812 4.27%
    $600k-1MM 694 $490,070,000 $706,153 $7,210 3.01%
    $1MM+ 92 $125,600,000 $1,365,217 $9,097 2.90%

    2021 saw Intercap Lending place emphasis on $200k-400k loans with 6,656 originations, totaling $1,996,030,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 3,647 $988,345,000 $271,002 $5,192 3.22%
    $100k-150k 2,568 $991,690,000 $386,172 $5,610 3.12%
    $75k-100k 2,515 $816,945,000 $324,829 $5,510 3.21%
    $150k-250k 1,462 $680,400,000 $465,390 $5,369 3.08%
    $50k or less 1,375 $274,705,000 $199,785 $4,552 3.13%
    $250k+ 726 $411,070,000 $566,212 $5,705 3.09%

    Intercap Lending lent most frequently to those with incomes in the $50k-75k range, with 3,647 originations. The second most popular income band? $100k-150k, with 2,568 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 2,241 $770,225,000 $343,697 $4,946 3.14%
    20-30% 2,038 $702,270,000 $344,588 $4,479 3.04%
    44% 716 $234,950,000 $328,142 $5,462 3.23%
    50-60% 683 $207,285,000 $303,492 $10,579 3.23%
    <20% 673 $231,815,000 $344,450 $4,170 2.93%
    42% 561 $194,635,000 $346,943 $5,390 3.21%
    43% 560 $192,940,000 $344,536 $5,382 3.21%
    41% 536 $175,170,000 $326,810 $5,320 3.25%
    40% 524 $179,560,000 $342,672 $5,283 3.22%
    39% 509 $173,155,000 $340,187 $5,111 3.19%
    38% 469 $158,505,000 $337,964 $5,498 3.20%
    45% 455 $159,175,000 $349,835 $6,025 3.22%
    37% 455 $164,905,000 $362,429 $5,033 3.18%
    36% 445 $157,175,000 $353,202 $5,006 3.14%
    49% 444 $149,140,000 $335,901 $5,803 3.22%
    46% 393 $118,605,000 $301,794 $5,806 3.29%
    48% 349 $118,375,000 $339,183 $5,800 3.24%
    47% 339 $109,145,000 $321,962 $5,949 3.31%
    >60% 25 $9,015,000 $360,600 $12,227 3.47%

    Intercap Lending lent most frequently to those with DTI ratios of 30-36%, with 2,241 originations. The next most common DTI ratio? 20-30%, with 2,038 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 10,843 $3,631,515,000 $334,918 $5,172 3.15%
    Not provided 1,138 $401,720,000 $353,005 $5,809 3.15%
    Asian 362 $139,750,000 $386,050 $5,727 3.11%
    Black 191 $66,875,000 $350,131 $6,921 2.91%
    American Indian 70 $22,140,000 $316,286 $5,593 3.31%
    Native Hawaiian or Islander 56 $17,040,000 $304,286 $6,952 3.47%
    Asian Indian 9 $4,915,000 $546,111 $5,284 3.18%
    Chinese 3 $1,555,000 $518,333 $6,740 3.08%
    Other Asian 5 $1,405,000 $281,000 $6,738 2.95%
    Other Pacific Islander 5 $1,335,000 $267,000 $8,509 3.30%
    Samoan 3 $1,115,000 $371,667 $5,593 3.00%
    Guamanian 1 $655,000 $655,000 $3,501 2.50%
    Filipino 2 $510,000 $255,000 $6,826 3.94%
    Japanese 2 $460,000 $230,000 $2,696 2.75%
    Korean 1 $345,000 $345,000 $4,293 2.99%
    1 $305,000 $305,000 $2,822 2.75%

    Approval Rates

    Total approvals of all applications
    99.22%

    Intercap Lending 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
    76.32%

    Intercap Lending has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 12,692 $4,291,640,000 $338,137

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    12,692 $4,291,640,000 $338,137

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 572 $118,650,000 $207,430 $3,451 2.79%
    40-60% 1,796 $545,460,000 $303,708 $3,852 2.93%
    60-80% 4,411 $1,623,085,000 $367,963 $4,672 3.16%
    80-100% 4,844 $1,850,320,000 $381,982 $6,304 3.11%
    Over 100% 150 $68,670,000 $457,800 $15,548 2.86%
    Under 20% 702 $18,030,000 $25,684 $3,434 4.43%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Intercoastal Mortgage LLC Other type of mortgage Closing on a mortgage 1 100.0%