Intercap Lending Mortgage Rates, Fees & Info
ESPANOLA, NMLEI: 549300S5FVOSK5DQJN30
Tax ID: 85-0260899
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Mortgage Data
Review & Overview
Intercap Lending is a small mortgage company specializing in Home Purchase 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, Ogden, Provo, San Diego, and Denver among others. We have data for 145 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 a high 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 relatively high 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.86% | 10/29/24 |
| 30 Year Conventional Refi | 6.62% | 10/29/24 |
| 30 Year Cash-out Refi | 6.79% | 10/29/24 |
| 30 Year FHA Purchase | 7.62% | 10/29/24 |
| 30 Year FHA Refi | 6.87% | 10/29/24 |
| 30 Year VA Purchase | 6.08% | 10/29/24 |
| 30 Year VA Refi | 5.64% | 10/29/24 |
| 30 Year USDA Purchase | 6.94% | 10/29/24 |
| 30 Year USDA Refi | 6.27% | 10/29/24 |
| 15 Year Conventional Purchase | 6.91% | 10/29/24 |
| 15 Year Conventional Refi | 6.21% | 10/29/24 |
| 15 Year Cash-out Refi | 6.21% | 10/29/24 |
| 15 Year FHA Purchase | 8.09% | 10/29/24 |
| 15 Year VA Refi | 5.60% | 10/29/24 |
| 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. | ||
Intercap Lending Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Intercap Lending. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,487Origination Dollar Volume (All Markets)
$1,737,395,000Awards
INTERCAP LENDING - 2023
INTERCAP LENDING is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
Intercap Lending's average 30 year fixed mortgage rate was
6.67%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.19%.
Relative Fees (Closing Costs)
Intercap Lending's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,573.
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 $9,089.
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) | 1,290 | $500,180,000 | $387,736 | $9,189 | 6.83% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 846 | $310,110,000 | $366,560 | $9,473 | 6.80% |
| PROVO-OREM, UT (FHA|USDA|VA) | 625 | $253,245,000 | $405,192 | $10,583 | 6.72% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 139 | $93,855,000 | $675,216 | $10,764 | 6.58% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 191 | $81,255,000 | $425,419 | $7,138 | 6.01% |
| ST. GEORGE, UT (FHA|USDA|VA) | 177 | $65,655,000 | $370,932 | $9,193 | 6.79% |
| Heber, UT (FHA|USDA|VA) | 91 | $60,435,000 | $664,121 | $9,434 | 6.82% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 133 | $50,435,000 | $379,211 | $8,454 | 5.87% |
| Outside of Metro Areas | 196 | $50,310,000 | $256,684 | $8,438 | 6.79% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 66 | $24,150,000 | $365,909 | $10,765 | 6.83% |
| LOGAN, UT-ID (FHA|USDA|VA) | 70 | $22,930,000 | $327,571 | $9,647 | 6.70% |
| Cedar City, UT (FHA|USDA|VA) | 56 | $16,030,000 | $286,250 | $8,519 | 6.84% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 54 | $15,470,000 | $286,481 | $11,547 | 5.78% |
| Vernal, UT (FHA|USDA|VA) | 79 | $14,695,000 | $186,013 | $8,411 | 6.96% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 18 | $14,530,000 | $807,222 | $19,965 | 6.10% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 35 | $12,635,000 | $361,000 | $8,446 | 6.56% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 24 | $11,990,000 | $499,583 | $9,667 | 6.31% |
| BOULDER, CO (FHA|USDA|VA) | 23 | $11,265,000 | $489,783 | $5,182 | 6.82% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 17 | $11,205,000 | $659,118 | $17,225 | 6.08% |
| PUEBLO, CO (FHA|USDA|VA) | 45 | $8,655,000 | $192,333 | $6,303 | 4.34% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 11 | $6,475,000 | $588,636 | $17,218 | 7.08% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 22 | $6,200,000 | $281,818 | $8,874 | 6.55% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 15 | $5,495,000 | $366,333 | $12,799 | 6.73% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 8 | $5,240,000 | $655,000 | $11,205 | 6.76% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 12 | $3,980,000 | $331,667 | $9,230 | 6.89% |
| GREELEY, CO (FHA|USDA|VA) | 11 | $3,395,000 | $308,636 | $4,640 | 4.99% |
| FORT COLLINS, CO (FHA|USDA|VA) | 8 | $3,070,000 | $383,750 | $9,914 | 7.05% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $2,695,000 | $539,000 | $19,986 | 6.48% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 6 | $2,460,000 | $410,000 | $11,217 | 6.44% |
| Price, UT (FHA|USDA|VA) | 13 | $2,205,000 | $169,615 | $7,804 | 6.77% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $2,195,000 | $439,000 | $7,781 | 5.40% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $2,010,000 | $251,250 | $9,602 | 5.84% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,930,000 | $482,500 | $12,207 | 7.19% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $5,900 | 6.95% |
| POCATELLO, ID (FHA|USDA|VA) | 5 | $1,685,000 | $337,000 | $10,384 | 6.25% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $21,329 | 6.33% |
| Burley, ID (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $0 | 6.53% |
| EL PASO, TX (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $5,254 | 6.55% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $12,177 | 6.59% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 4 | $1,340,000 | $335,000 | $10,664 | 6.16% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $1,280,000 | $640,000 | $5,948 | 7.75% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $17,634 | 7.17% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $5,765 | 6.44% |
| Evanston, WY (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $10,911 | 6.63% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $4,817 | 6.79% |
| Outside of Metro Areas | 2 | $1,160,000 | $580,000 | $17,883 | 6.56% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $14,100 | 6.54% |
| Rexburg, ID (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $7,556 | 6.37% |
| TULSA, OK (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $5,537 | 6.56% |
| Show Low, AZ (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $4,819 | 6.54% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $15,121 | 6.54% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $12,483 | 7.13% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $0 | 5.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $12,536 | 6.31% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $5,886 | 7.50% |
| OCALA, FL (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $10,938 | 6.88% |
| Cañon City, CO (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $5,384 | 5.13% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $14,030 | 5.99% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $14,168 | 6.56% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $6,265 | 8.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $13,511 | 6.44% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $7,500 | 6.63% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $19,388 | 8.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $11,520 | 6.50% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $25,336 | 6.88% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $9,473 | 6.63% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $6,984 | 7.06% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $5,177 | 7.13% |
| Red Bluff, CA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $9,344 | 5.88% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $5,301 | 5.88% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $7,351 | 7.25% |
| Rock Springs, WY (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $6,255 | 7.81% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $7,699 | 6.31% |
| BEND, OR (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $6,284 | 8.13% |
| WICHITA, KS (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $5,771 | 7.08% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $0 | 6.88% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $8,072 | 6.88% |
| RENO, NV (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $9,749 | 5.63% |
| Montrose, CO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 8.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,140 | 7.25% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $10,117 | 6.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,751 | 8.13% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 7.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,003 | 7.31% |
| Newport, OR (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,312 | 6.63% |
| Gillette, WY (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,439 | 6.13% |
| Fallon, NV (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $15,907 | 5.63% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $5,711 | 6.50% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,175 | 7.00% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,206 | 6.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $17,299 | 5.63% |
| Ontario, OR-ID (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $9,117 | 5.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,962 | 7.63% |
| Clovis, NM (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 5.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $14,824 | 6.63% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,840 | 7.25% |
| DOTHAN, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,561 | 5.87% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $19,311 | 4.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 7.00% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,760 | 6.75% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,538 | 6.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,297 | 7.88% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,441 | 6.88% |
| FLINT, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,732 | 6.63% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 8.63% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,216 | 7.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,085 | 5.63% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $16,067 | 6.88% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,163 | 7.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,153 | 6.13% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,837 | 5.38% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,187 | 7.88% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $9,303 | 6.13% |
| LIMA, OH (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,142 | 5.50% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,309 | 5.63% |
| Sonora, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,392 | 7.00% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,718 | 7.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,940 | 6.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,131 | 7.50% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 6.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,556 | 6.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 7.50% |
| ERIE, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,343 | 7.50% |
| Fort Morgan, CO (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 3.19% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,079 | 6.88% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,894 | 7.38% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 3.81% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.88% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 7.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 7.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,119 | 7.25% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,176 | 8.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.25% |
| Silver City, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,984 | 7.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.50% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 7.75% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $10,176 | 6.00% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,705 | 6.38% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $3,958 | 8.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,203 | 7.63% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.50% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,146 | 6.75% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.50% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,555 | 7.25% |
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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.
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Product Mix
For 2023, Intercap Lending's most frequently originated type of loan was Conventional, with 3,117 originations. Their 2nd most popular type was FHA, with 1,026 originations.
Loan Reason
For 2023, Intercap Lending's most frequently cited loan purpose was Home Purchase, with 4,143 originations. The 2nd most popular reason was Cash Out Refi, with 209 originations.
Loan Duration/Length
For 2023, Intercap Lending's most frequently cited loan duration was 30 Year, with 4,428 originations. The 2nd most popular length was 15 Year, with 32 originations.
Origination Fees/Closing Costs
Intercap Lending's average total fees were $9,573, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,791 originations.
Interest Rates
During 2023, Intercap Lending's average interest rate for loans was 6.67%, while their most frequently originated rate bucket for loans was 6-7%, with 2,225 originations.
Loan Sizing
2023 saw Intercap Lending place emphasis on $200k-400k loans with 1,735 originations, totaling $553,515,000 in origination value.
Applicant Income
Intercap Lending lent most frequently to those with incomes in the $100k-150k range, with 1,381 originations. The second most popular income band? $75k-100k, with 1,078 originations.
Applicant Debt to Income Ratio
Intercap Lending lent most frequently to those with DTI ratios of 50-60%, with 812 originations. The next most common DTI ratio? 30-36%, with 508 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.27%
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 origination64.07%
Intercap Lending 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 | 4,487 | $1,737,395,000 | $387,206 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,487 | $1,737,395,000 | $387,206 |