Intercap Lending Mortgage Rates, Fees & Info

ESPANOLA, NM

LEI: 549300S5FVOSK5DQJN30

Tax ID: 85-0260899

4.4 stars - Updated: 4/5/25 - out of 5 stars, based on 68 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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 St. George among others. We have data for 130 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
Home Equity Line of Credit (HELOC) 6.72% 4/5/25
30 Year Conventional Purchase 6.98% 4/5/25
30 Year Conventional Refi 6.71% 4/5/25
30 Year Cash-out Refi 7.10% 4/5/25
30 Year FHA Purchase 7.30% 4/5/25
30 Year FHA Refi 6.89% 4/5/25
30 Year VA Purchase 6.36% 4/5/25
30 Year VA Refi 5.89% 4/5/25
30 Year USDA Purchase 6.78% 4/5/25
15 Year Conventional Purchase 6.51% 4/5/25
15 Year Conventional Refi 6.13% 4/5/25
15 Year Cash-out Refi 6.13% 4/5/25
15 Year VA Purchase 6.57% 4/5/25
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

4,646

Origination Dollar Volume (All Markets)

$1,870,000,000
Show all (8) awards

Relative Rate

Intercap Lending's average 30 year fixed mortgage rate was 6.61%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.06%.

Relative Fees (Closing Costs)

Intercap Lending's average total fees/closing costs for a 30 year fixed rate mortgage were $8,780.

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 $8,356.

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) 1,418 $581,960,000 $410,409 $8,302 6.66%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 973 $343,705,000 $353,243 $8,927 6.61%
PROVO-OREM, UT (FHA|USDA|VA) 707 $281,795,000 $398,579 $9,355 6.58%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 164 $120,660,000 $735,732 $9,971 6.51%
ST. GEORGE, UT (FHA|USDA|VA) 198 $82,420,000 $416,263 $8,264 6.64%
Heber, UT (FHA|USDA|VA) 75 $59,315,000 $790,867 $10,045 6.73%
Outside of Metro Areas 196 $50,310,000 $256,684 $8,254 6.74%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 101 $48,835,000 $483,515 $5,820 6.51%
FLAGSTAFF, AZ (FHA|USDA|VA) 55 $28,815,000 $523,909 $7,800 6.77%
Cedar City, UT (FHA|USDA|VA) 81 $26,205,000 $323,519 $7,318 6.72%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 58 $24,040,000 $414,483 $10,077 6.73%
LOGAN, UT-ID (FHA|USDA|VA) 61 $23,105,000 $378,770 $6,831 6.62%
COLORADO SPRINGS, CO (FHA|USDA|VA) 44 $16,580,000 $376,818 $6,774 6.41%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 55 $14,405,000 $261,909 $12,897 5.65%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 36 $13,010,000 $361,389 $8,331 6.24%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 16 $12,120,000 $757,500 $13,176 6.01%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 28 $10,730,000 $383,214 $7,396 6.77%
Vernal, UT (FHA|USDA|VA) 51 $9,965,000 $195,392 $8,454 6.88%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 19 $7,815,000 $411,316 $12,827 6.02%
BOISE CITY, ID (FHA|USDA|VA) 21 $7,775,000 $370,238 $12,165 5.94%
BOULDER, CO (FHA|USDA|VA) 14 $7,470,000 $533,571 $4,300 6.81%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 14 $7,290,000 $520,714 $7,905 5.82%
IDAHO FALLS, ID (FHA|USDA|VA) 16 $6,610,000 $413,125 $12,398 6.71%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 14 $5,540,000 $395,714 $9,895 6.30%
ALBUQUERQUE, NM (FHA|USDA|VA) 11 $3,875,000 $352,273 $9,244 6.42%
OKLAHOMA CITY, OK (FHA|USDA|VA) 12 $3,500,000 $291,667 $10,306 5.63%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $2,440,000 $406,667 $6,976 6.73%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $2,325,000 $332,143 $6,927 6.45%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $2,310,000 $577,500 $15,517 6.25%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $2,075,000 $691,667 $11,686 6.63%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $1,860,000 $930,000 $23,476 7.06%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $1,850,000 $462,500 $5,147 6.53%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,820,000 $455,000 $7,653 6.84%
Price, UT (FHA|USDA|VA) 9 $1,795,000 $199,444 $6,622 6.83%
Pahrump, NV (FHA|USDA|VA) 4 $1,680,000 $420,000 $11,744 6.63%
PUEBLO, CO (FHA|USDA|VA) 7 $1,555,000 $222,143 $9,037 4.80%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $1,470,000 $735,000 $15,094 6.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $1,465,000 $488,333 $14,066 6.21%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $1,455,000 $291,000 $7,892 6.70%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 5 $1,435,000 $287,000 $7,620 5.48%
Rexburg, ID (FHA|USDA|VA) 4 $1,410,000 $352,500 $14,080 6.59%
KNOXVILLE, TN (FHA|USDA|VA) 5 $1,285,000 $257,000 $6,991 6.65%
FORT COLLINS, CO (FHA|USDA|VA) 3 $1,215,000 $405,000 $12,877 6.63%
ABILENE, TX (FHA|USDA|VA) 3 $1,175,000 $391,667 $8,998 5.83%
LUBBOCK, TX (FHA|USDA|VA) 3 $1,075,000 $358,333 $8,882 7.13%
GREELEY, CO (FHA|USDA|VA) 3 $1,035,000 $345,000 $10,463 6.62%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $1,025,000 $341,667 $10,067 7.21%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $1,020,000 $510,000 $10,812 6.19%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $1,000,000 $500,000 $6,027 6.88%
Evanston, WY (FHA|USDA|VA) 4 $940,000 $235,000 $7,111 7.06%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $930,000 $465,000 $4,811 6.13%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $930,000 $465,000 $7,149 6.31%
Carlsbad-Artesia, NM (FHA|USDA|VA) 4 $910,000 $227,500 $4,575 7.38%
TUCSON, AZ (FHA|USDA|VA) 5 $905,000 $181,000 $6,232 6.37%
Bozeman, MT (FHA|USDA|VA) 2 $850,000 $425,000 $9,567 6.81%
Centralia, WA (FHA|USDA|VA) 3 $825,000 $275,000 $8,172 7.25%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $800,000 $400,000 $5,633 6.63%
Blackfoot, ID (FHA|USDA|VA) 2 $790,000 $395,000 $11,408 6.75%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $780,000 $390,000 $3,783 6.50%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $755,000 $251,667 $6,099 7.25%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $755,000 $755,000 $20,294 6.13%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $735,000 $245,000 $4,826 7.04%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $735,000 $735,000 $9,078 5.88%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $730,000 $365,000 $4,851 6.75%
SALINAS, CA (FHA|USDA|VA) 1 $715,000 $715,000 $6,105 7.00%
Hailey, ID (FHA|USDA|VA) 1 $655,000 $655,000 $0 6.99%
Show Low, AZ (FHA|USDA|VA) 2 $640,000 $320,000 $3,260 6.25%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $635,000 $635,000 $2,906 6.63%
FORT WAYNE, IN (FHA|USDA|VA) 2 $610,000 $305,000 $3,534 6.88%
BELLINGHAM, WA (FHA|USDA|VA) 1 $605,000 $605,000 $6,959 5.50%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $575,000 $575,000 $4,925 6.63%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $570,000 $285,000 $6,854 6.88%
VALLEJO, CA (FHA|USDA|VA) 2 $570,000 $285,000 $0 3.38%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $555,000 $185,000 $0 7.63%
Traverse City, MI (FHA|USDA|VA) 1 $545,000 $545,000 $0 7.38%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $530,000 $265,000 $11,693 6.56%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $525,000 $525,000 $3,938 6.63%
Payson, AZ (FHA|USDA|VA) 1 $505,000 $505,000 $0 6.25%
MODESTO, CA (FHA|USDA|VA) 2 $500,000 $250,000 $0 3.31%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $475,000 $475,000 $19,227 5.50%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $465,000 $465,000 $1,272 5.63%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $455,000 $455,000 $5,487 7.63%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $455,000 $455,000 $24,477 5.99%
Prineville, OR (FHA|USDA|VA) 1 $435,000 $435,000 $16,609 6.13%
Rock Springs, WY (FHA|USDA|VA) 1 $435,000 $435,000 $11,326 6.63%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $425,000 $425,000 $5,453 6.99%
Kerrville, TX (FHA|USDA|VA) 1 $425,000 $425,000 $17,160 5.50%
LINCOLN, NE (FHA|USDA|VA) 1 $425,000 $425,000 $0 7.50%
EL CENTRO, CA (FHA|USDA|VA) 1 $415,000 $415,000 $5,117 7.50%
Riverton, WY (FHA|USDA|VA) 1 $405,000 $405,000 $4,119 7.50%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $390,000 $195,000 $0 7.56%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $385,000 $385,000 $5,686 7.38%
Gillette, WY (FHA|USDA|VA) 1 $375,000 $375,000 $15,447 7.13%
Burley, ID (FHA|USDA|VA) 1 $365,000 $365,000 $14,200 6.50%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $365,000 $365,000 $3,206 6.13%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $345,000 $345,000 $3,966 7.13%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $335,000 $335,000 $5,676 7.13%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $335,000 $335,000 $16,650 6.63%
Coos Bay, OR (FHA|USDA|VA) 1 $335,000 $335,000 $5,260 7.13%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $325,000 $325,000 $7,887 6.88%
CaƱon City, CO (FHA|USDA|VA) 1 $325,000 $325,000 $4,356 6.13%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $315,000 $315,000 $7,662 7.50%
ST. CLOUD, MN (FHA|USDA|VA) 1 $315,000 $315,000 $12,677 5.50%
POCATELLO, ID (FHA|USDA|VA) 1 $315,000 $315,000 $8,102 6.00%
Ontario, OR-ID (FHA|USDA|VA) 1 $315,000 $315,000 $9,470 6.50%
Jackson, WY-ID (FHA|USDA|VA) 1 $305,000 $305,000 $0 7.00%
Laramie, WY (FHA|USDA|VA) 1 $295,000 $295,000 $4,047 6.50%
Danville, VA (FHA|USDA|VA) 1 $285,000 $285,000 $14,256 5.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $275,000 $275,000 $9,444 6.63%
Elko, NV (FHA|USDA|VA) 1 $265,000 $265,000 $5,845 6.50%
SALEM, OR (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.13%
PITTSBURGH, PA (FHA|USDA|VA) 2 $250,000 $125,000 $7,114 6.56%
Athens, TX (FHA|USDA|VA) 2 $250,000 $125,000 $0 3.69%
AKRON, OH (FHA|USDA|VA) 1 $245,000 $245,000 $3,246 7.50%
LAS CRUCES, NM (FHA|USDA|VA) 1 $245,000 $245,000 $4,013 6.88%
KANKAKEE, IL (FHA|USDA|VA) 1 $235,000 $235,000 $10,631 5.75%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $235,000 $235,000 $7,088 6.25%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.63%
Kinston, NC (FHA|USDA|VA) 1 $225,000 $225,000 $11,067 4.88%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $8,398 6.38%
OCALA, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 6.13%
Bonham, TX (FHA|USDA|VA) 1 $215,000 $215,000 $5,969 7.00%
Roseburg, OR (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.88%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.63%
VISALIA, CA (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.63%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $135,000 $135,000 $0 8.00%
DALTON, GA (FHA|USDA|VA) 1 $115,000 $115,000 $4,821 6.50%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $115,000 $115,000 $3,425 7.63%
MONTGOMERY, AL (FHA|USDA|VA) 1 $75,000 $75,000 $0 7.38%
Intercap Lending's top markets include Salt Lake City, Ogden, Provo, San Diego, and St. George among others.

Their top states include:
  • Utah (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,290 $1,282,830,000 $389,918 $7,108 6.74%
    FHA 1,035 $422,875,000 $408,575 $15,844 6.32%
    VA 314 $162,140,000 $516,369 $8,771 6.10%
    USDA 7 $2,155,000 $307,857 $10,548 6.07%

    For 2024, Intercap Lending's most frequently originated type of loan was Conventional, with 3,290 originations. Their 2nd most popular type was FHA, with 1,035 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,092 $1,644,640,000 $401,916 $9,003 6.62%
    Refi 330 $144,780,000 $438,727 $6,321 6.19%
    Cash Out Refi 224 $80,580,000 $359,732 $7,903 6.79%

    For 2024, Intercap Lending's most frequently cited loan purpose was Home Purchase, with 4,092 originations. The 2nd most popular reason was Refi, with 330 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,560 $1,842,470,000 $404,050 $8,780 6.61%
    15 Year 42 $12,680,000 $301,905 $4,961 6.17%
    20 Year 35 $12,765,000 $364,714 $5,494 6.26%
    10 Year 9 $2,085,000 $231,667 $2,430 6.22%

    For 2024, Intercap Lending's most frequently cited loan duration was 30 Year, with 4,560 originations. The 2nd most popular length was 15 Year, with 42 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,669 $790,735,000 $473,778
    $1k-2k 924 $458,690,000 $496,418
    $<1k 783 $132,605,000 $169,355
    $2k-3k 341 $133,795,000 $392,361
    $4k-5k 327 $132,115,000 $404,021
    $3k-4k 278 $104,310,000 $375,216

    Intercap Lending's average total fees were $8,780, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,669 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 2,507 $1,092,775,000 $435,890
    7-8% 1,230 $414,580,000 $337,057
    5-6% 798 $334,380,000 $419,023
    4-5% 40 $16,410,000 $410,250
    <2.5% 33 $675,000 $20,455
    Over 8% 31 $11,095,000 $357,903
    3-4% 7 $85,000 $12,143

    During 2024, Intercap Lending's average interest rate for loans was 6.61%, while their most frequently originated rate bucket for loans was 6-7%, with 2,507 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,652 $526,530,000 $318,723 $7,381 6.50%
    $400k-600k 1,511 $730,295,000 $483,319 $9,755 6.56%
    $600k-1MM 619 $446,215,000 $720,864 $10,019 6.70%
    $100,000 or less 549 $12,825,000 $23,361 $3,233 6.90%
    $100k-200k 225 $35,575,000 $158,111 $4,993 6.58%
    $1MM+ 90 $118,560,000 $1,317,333 $11,395 6.67%

    2024 saw Intercap Lending place emphasis on $200k-400k loans with 1,652 originations, totaling $526,530,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,319 $499,655,000 $378,813 $9,687 6.68%
    $75k-100k 1,126 $337,740,000 $299,947 $8,629 6.52%
    $150k-250k 899 $477,645,000 $531,307 $8,739 6.74%
    $50k-75k 624 $157,660,000 $252,660 $7,338 6.31%
    $250k+ 515 $350,185,000 $679,971 $8,905 6.86%
    $50k or less 101 $16,895,000 $167,277 $5,888 6.30%

    Intercap Lending lent most frequently to those with incomes in the $100k-150k range, with 1,319 originations. The second most popular income band? $75k-100k, with 1,126 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 809 $261,255,000 $322,936 $14,384 6.50%
    30-36% 505 $217,485,000 $430,663 $7,197 6.66%
    49% 428 $176,410,000 $412,173 $8,923 6.54%
    20-30% 403 $165,905,000 $411,675 $6,645 6.67%
    44% 241 $99,555,000 $413,091 $8,139 6.65%
    47% 233 $92,905,000 $398,734 $9,090 6.60%
    48% 228 $93,590,000 $410,482 $8,826 6.59%
    46% 210 $84,480,000 $402,286 $8,911 6.65%
    42% 193 $83,095,000 $430,544 $7,988 6.65%
    41% 184 $78,510,000 $426,685 $8,976 6.71%
    43% 179 $76,375,000 $426,676 $7,602 6.68%
    45% 178 $73,300,000 $411,798 $8,945 6.64%
    40% 162 $68,850,000 $425,000 $7,800 6.61%
    39% 128 $58,120,000 $454,063 $8,768 6.49%
    38% 127 $54,895,000 $432,244 $7,522 6.68%
    37% 124 $49,090,000 $395,887 $8,183 6.72%
    <20% 122 $46,440,000 $380,656 $6,300 6.73%
    36% 122 $51,390,000 $421,230 $8,311 6.64%
    >60% 27 $16,355,000 $605,741 $11,922 6.37%

    Intercap Lending lent most frequently to those with DTI ratios of 50-60%, with 809 originations. The next most common DTI ratio? 30-36%, with 505 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,878 $1,548,250,000 $399,239 $8,601 6.62%
    Not provided 437 $178,665,000 $408,844 $8,962 6.51%
    Asian 164 $76,160,000 $464,390 $8,855 6.60%
    Black 77 $28,985,000 $376,429 $11,224 6.24%
    American Indian 45 $16,975,000 $377,222 $8,567 6.21%
    Native Hawaiian or Islander 23 $9,185,000 $399,348 $9,729 6.61%
    Asian Indian 14 $6,720,000 $480,000 $7,836 7.08%
    Other Asian 2 $1,250,000 $625,000 $7,857 6.38%
    Vietnamese 2 $1,160,000 $580,000 $5,721 6.63%
    Filipino 1 $965,000 $965,000 $15,705 6.88%
    Guamanian 1 $675,000 $675,000 $0 6.88%
    Other Pacific Islander 1 $645,000 $645,000 $2,113 5.49%
    Chinese 1 $365,000 $365,000 $3,756 6.88%

    Approval Rates

    Total approvals of all applications
    98.92%

    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
    70.66%

    Intercap Lending has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,646 $1,870,000,000 $402,497

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,646 $1,870,000,000 $402,497

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 182 $49,390,000 $271,374 $5,111 6.56%
    40-60% 399 $153,405,000 $384,474 $6,244 6.58%
    60-80% 1,044 $507,470,000 $486,082 $7,221 6.79%
    80-100% 2,367 $1,090,795,000 $460,834 $10,013 6.49%
    Over 100% 59 $31,295,000 $530,424 $16,368 6.16%
    Under 20% 552 $15,650,000 $28,351 $3,692 6.88%