Intercap Lending Mortgage Rates, Fees & Info

ESPANOLA, NM

LEI: 549300S5FVOSK5DQJN30

Tax ID: 85-0260899

2020 Data | 2019 Data | 2018 Data


Overview

Intercap Lending is a mid-sized mortgage company specializing in Refi and 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 include Salt Lake City, Provo, Ogden, San Diego, and St. George 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. Intercap Lending is typically an average fee lendor.


Originations

16,270

Origination Dollar Volume (All Markets)

$4,884,690,000

Relative Rate

Intercap Lending 's average 30 year fixed rate mortgage was 3.23%.

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

This yields a difference of -0.13%.

Relative Fees

Intercap Lending 's average total fees for a 30 year fixed rate mortgage are $5,013.

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 13,554 $4,048,720,000 $298,710 $4,002 3.18%
FHA 1,484 $429,590,000 $289,481 $10,940 3.28%
VA 1,020 $353,120,000 $346,196 $5,387 2.85%
USDA 212 $53,260,000 $251,226 $6,592 3.05%

For the 2020 period, Intercap Lending 's most frequently originated loan type was Conventional, with 13,554 originations. Their 2nd most popular type is FHA, with 1,484 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 7,357 $2,224,435,000 $302,356 $3,674 2.96%
Home Purchase 6,150 $1,839,080,000 $299,037 $6,589 3.43%
Cash Out Refi 2,760 $820,300,000 $297,210 $4,260 3.14%
Home Improvement 3 $875,000 $291,667 $5,358 3.42%

For the 2020, Intercap Lending 's most frequently cited loan purpose was Refi, with 7,357 originations. The 2nd most popular reason was Home Purchase, with 6,150 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 14,278 $4,382,330,000 $306,929 $5,013 3.23%
15 Year 1,431 $356,355,000 $249,025 $3,282 2.56%
20 Year 369 $97,935,000 $265,407 $3,461 2.98%
Other 155 $44,355,000 $286,161 $3,488 2.98%
10 Year 37 $3,715,000 $100,405 $3,112 5.23%

For the 2020, Intercap Lending 's most frequently cited loan length was 30 Year, with 14,278 originations. The 2nd most popular length was 15 Year, with 1,431 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 9,975 $3,100,965,000 $310,874
$2k-3k 1,924 $562,330,000 $292,271
$3k-4k 1,847 $575,675,000 $311,681
$<1k 1,189 $164,645,000 $138,474
$5k+ 1,135 $428,805,000 $377,802

$5,013 was Intercap Lending 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 9,975 originations.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
SALT LAKE CITY, UT 6,170 $1,912,940,000 $310,039 $4,686 3.19%
PROVO-OREM, UT 2,681 $804,545,000 $300,091 $5,009 3.22%
OGDEN-CLEARFIELD, UT 2,962 $800,590,000 $270,287 $4,883 3.21%
Outside of Metro Areas 1,344 $359,820,000 $267,723 $4,891 3.26%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA 683 $304,165,000 $445,337 $5,175 2.94%
ST. GEORGE, UT 753 $203,045,000 $269,648 $4,558 3.16%
LOGAN, UT-ID 399 $93,825,000 $235,150 $4,280 3.05%
LAS VEGAS-HENDERSON-PARADISE, NV 198 $50,700,000 $256,061 $5,912 3.07%
OAKLAND-BERKELEY-LIVERMORE, CA 66 $35,820,000 $542,727 $6,173 3.03%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 118 $34,640,000 $293,559 $5,049 2.99%
PHOENIX-MESA-CHANDLER, AZ 132 $33,460,000 $253,485 $5,152 2.87%
ANAHEIM-SANTA ANA-IRVINE, CA 43 $20,065,000 $466,628 $4,131 2.82%
LOS ANGELES-LONG BEACH-GLENDALE, CA 42 $19,180,000 $456,667 $5,397 2.99%
SACRAMENTO-ROSEVILLE-FOLSOM, CA 40 $14,730,000 $368,250 $4,331 3.04%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA 11 $11,075,000 $1,006,818 $6,160 2.83%
DENVER-AURORA-LAKEWOOD, CO 28 $10,480,000 $374,286 $3,034 2.82%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 21 $7,365,000 $350,714 $4,210 2.50%
SEATTLE-BELLEVUE-KENT, WA 14 $6,820,000 $487,143 $3,294 2.80%
BOISE CITY, ID 22 $6,590,000 $299,545 $5,857 3.14%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 15 $6,085,000 $405,667 $3,460 2.70%
IDAHO FALLS, ID 23 $5,525,000 $240,217 $4,275 3.04%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 18 $4,940,000 $274,444 $3,713 3.01%
SAN RAFAEL, CA 6 $4,320,000 $720,000 $14,720 3.23%
OXNARD-THOUSAND OAKS-VENTURA, CA 8 $3,900,000 $487,500 $5,697 2.91%
STOCKTON, CA 10 $3,740,000 $374,000 $4,899 2.87%
DALLAS-PLANO-IRVING, TX 10 $3,420,000 $342,000 $4,849 2.94%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 6 $3,250,000 $541,667 $5,939 3.10%
PRESCOTT VALLEY-PRESCOTT, AZ 14 $3,160,000 $225,714 $8,333 3.07%
EL PASO, TX 14 $3,010,000 $215,000 $5,990 3.05%
VALLEJO, CA 11 $2,915,000 $265,000 $8,216 3.09%
BALTIMORE-COLUMBIA-TOWSON, MD 9 $2,825,000 $313,889 $1,980 2.68%
ORLANDO-KISSIMMEE-SANFORD, FL 9 $2,805,000 $311,667 $4,030 2.54%
CHARLOTTE-CONCORD-GASTONIA, NC-SC 10 $2,700,000 $270,000 $2,055 2.70%
COLORADO SPRINGS, CO 9 $2,645,000 $293,889 $3,601 2.82%
CHICAGO-NAPERVILLE-EVANSTON, IL 8 $2,610,000 $326,250 $3,441 2.81%
FRESNO, CA 9 $2,585,000 $287,222 $3,673 2.78%
SAN ANTONIO-NEW BRAUNFELS, TX 11 $2,585,000 $235,000 $2,650 2.64%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA 9 $2,505,000 $278,333 $2,635 2.86%
HUNTSVILLE, AL 8 $2,370,000 $296,250 $3,238 2.67%
ALBUQUERQUE, NM 7 $2,355,000 $336,429 $3,417 2.66%
RENO, NV 6 $2,340,000 $390,000 $4,072 2.94%
AUSTIN-ROUND ROCK-GEORGETOWN, TX 9 $2,235,000 $248,333 $2,579 2.61%
SANTA ROSA-PETALUMA, CA 5 $2,155,000 $431,000 $5,554 2.90%
MEDFORD, OR 6 $2,140,000 $356,667 $3,927 3.08%
JACKSONVILLE, FL 8 $1,960,000 $245,000 $3,707 3.23%
TUCSON, AZ 9 $1,905,000 $211,667 $3,970 2.79%
SALEM, OR 7 $1,825,000 $260,714 $4,820 2.95%
TAMPA-ST. PETERSBURG-CLEARWATER, FL 8 $1,740,000 $217,500 $3,457 2.97%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 8 $1,730,000 $216,250 $2,111 2.73%
LAKE HAVASU CITY-KINGMAN, AZ 8 $1,670,000 $208,750 $4,450 3.33%
POCATELLO, ID 8 $1,610,000 $201,250 $4,183 3.25%
ANCHORAGE, AK 4 $1,600,000 $400,000 $4,885 2.63%
RICHMOND, VA 4 $1,440,000 $360,000 $1,566 2.69%
TACOMA-LAKEWOOD, WA 3 $1,435,000 $478,333 $8,261 2.79%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC 7 $1,425,000 $203,571 $6,241 3.01%
FORT COLLINS, CO 4 $1,290,000 $322,500 $2,805 2.81%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL 3 $1,275,000 $425,000 $5,147 2.21%
RALEIGH-CARY, NC 4 $1,260,000 $315,000 $5,021 2.66%
YUMA, AZ 4 $1,220,000 $305,000 $5,961 2.81%
FAYETTEVILLE, NC 4 $1,190,000 $297,500 $2,796 2.59%
PALM BAY-MELBOURNE-TITUSVILLE, FL 3 $1,185,000 $395,000 $963 2.33%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 4 $1,120,000 $280,000 $3,434 2.72%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD 3 $1,115,000 $371,667 $2,188 2.63%
SALINAS, CA 2 $1,110,000 $555,000 $9,601 3.06%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 4 $1,100,000 $275,000 $2,081 3.03%
NEW BRUNSWICK-LAKEWOOD, NJ 4 $1,070,000 $267,500 $3,636 2.75%
COEUR D'ALENE, ID 4 $1,060,000 $265,000 $3,461 2.94%
KANSAS CITY, MO-KS 4 $1,060,000 $265,000 $4,105 3.34%
INDIANAPOLIS-CARMEL-ANDERSON, IN 6 $1,050,000 $175,000 $2,489 3.42%
SPOKANE-SPOKANE VALLEY, WA 4 $1,000,000 $250,000 $2,240 2.56%
KILLEEN-TEMPLE, TX 4 $1,000,000 $250,000 $3,209 2.66%
PUEBLO, CO 6 $980,000 $163,333 $4,119 3.94%
BIRMINGHAM-HOOVER, AL 3 $955,000 $318,333 $6,079 3.08%
NEWARK, NJ-PA 2 $940,000 $470,000 $10,107 3.31%
MODESTO, CA 5 $935,000 $187,000 $5,879 2.32%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 4 $930,000 $232,500 $2,296 2.75%
OKLAHOMA CITY, OK 3 $925,000 $308,333 $2,783 3.08%
WARREN-TROY-FARMINGTON HILLS, MI 3 $885,000 $295,000 $3,115 2.71%
EL CENTRO, CA 3 $885,000 $295,000 $4,339 2.71%
BAKERSFIELD, CA 3 $825,000 $275,000 $3,279 2.92%
TWIN FALLS, ID 4 $820,000 $205,000 $4,035 2.87%
SIERRA VISTA-DOUGLAS, AZ 5 $795,000 $159,000 $5,758 2.55%
NORTH PORT-SARASOTA-BRADENTON, FL 2 $790,000 $395,000 $5,184 2.44%
LAWTON, OK 3 $785,000 $261,667 $3,179 2.50%
SAN LUIS OBISPO-PASO ROBLES, CA 2 $780,000 $390,000 $2,841 3.06%
FLAGSTAFF, AZ 3 $665,000 $221,667 $3,149 2.75%
BREMERTON-SILVERDALE-PORT ORCHARD, WA 2 $660,000 $330,000 $2,387 2.63%
CAPE CORAL-FORT MYERS, FL 3 $615,000 $205,000 $3,171 2.88%
WACO, TX 3 $605,000 $201,667 $4,474 2.83%
BOULDER, CO 1 $575,000 $575,000 $2,814 2.75%
LUBBOCK, TX 2 $540,000 $270,000 $5,368 2.69%
MANKATO, MN 1 $515,000 $515,000 $3,895 2.75%
GRANTS PASS, OR 1 $505,000 $505,000 $5,024 2.88%
MUNCIE, IN 1 $495,000 $495,000 $0 3.38%
OCALA, FL 3 $485,000 $161,667 $2,939 2.71%
CALIFORNIA-LEXINGTON PARK, MD 1 $485,000 $485,000 $0 2.75%
NAPLES-MARCO ISLAND, FL 1 $485,000 $485,000 $3,685 2.75%
LONGVIEW, WA 2 $480,000 $240,000 $2,418 2.81%
MOUNT VERNON-ANACORTES, WA 1 $465,000 $465,000 $2,293 3.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 1 $455,000 $455,000 $2,624 2.38%
BEND, OR 1 $455,000 $455,000 $4,533 2.88%
NAPA, CA 1 $455,000 $455,000 $3,603 2.75%
SANTA MARIA-SANTA BARBARA, CA 2 $450,000 $225,000 $5,725 3.44%
GREELEY, CO 2 $450,000 $225,000 $6,407 3.31%
VISALIA, CA 2 $440,000 $220,000 $3,270 4.19%
MILWAUKEE-WAUKESHA, WI 2 $440,000 $220,000 $2,700 2.25%
CLEVELAND, TN 1 $435,000 $435,000 $2,674 2.99%
GARY, IN 2 $430,000 $215,000 $1,401 2.88%
COLUMBIA, SC 2 $410,000 $205,000 $2,382 2.63%
JACKSONVILLE, NC 2 $410,000 $205,000 $2,492 2.25%
WILMINGTON, DE-MD-NJ 1 $405,000 $405,000 $0 3.00%
RACINE, WI 1 $405,000 $405,000 $5,334 3.50%
LYNCHBURG, VA 2 $390,000 $195,000 $3,417 2.63%
FORT WORTH-ARLINGTON-GRAPEVINE, TX 2 $390,000 $195,000 $3,721 2.63%
WINCHESTER, VA-WV 1 $385,000 $385,000 $4,490 2.25%
PENSACOLA-FERRY PASS-BRENT, FL 2 $380,000 $190,000 $429 2.63%
ROANOKE, VA 1 $375,000 $375,000 $1,842 2.25%
HINESVILLE, GA 2 $350,000 $175,000 $854 2.94%
CANTON-MASSILLON, OH 1 $345,000 $345,000 $5,843 2.88%
MONTGOMERY, AL 1 $335,000 $335,000 $9,597 3.00%
GREENVILLE-ANDERSON, SC 1 $335,000 $335,000 $1,674 2.75%
ABILENE, TX 1 $325,000 $325,000 $1,602 2.88%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR 2 $320,000 $160,000 $2,965 2.81%
SAVANNAH, GA 1 $315,000 $315,000 $2,804 2.25%
MANCHESTER-NASHUA, NH 1 $305,000 $305,000 $1,499 3.50%
FAIRBANKS, AK 1 $305,000 $305,000 $8,479 3.00%
DECATUR, AL 1 $295,000 $295,000 $9,064 4.13%
CARSON CITY, NV 1 $285,000 $285,000 $3,971 3.25%
LAS CRUCES, NM 1 $285,000 $285,000 $3,151 2.25%
CHICO, CA 1 $275,000 $275,000 $3,271 4.00%
COLUMBUS, GA-AL 1 $275,000 $275,000 $8,889 3.75%
MERCED, CA 1 $275,000 $275,000 $3,164 3.50%
YAKIMA, WA 1 $275,000 $275,000 $1,355 3.00%
CASPER, WY 1 $265,000 $265,000 $3,589 2.25%
ST. LOUIS, MO-IL 1 $255,000 $255,000 $3,615 2.25%
HARRISBURG-CARLISLE, PA 1 $255,000 $255,000 $1,630 2.25%
PORTLAND-SOUTH PORTLAND, ME 1 $255,000 $255,000 $5,341 3.13%
DAYTON-KETTERING, OH 1 $255,000 $255,000 $4,450 2.75%
AKRON, OH 1 $235,000 $235,000 $8,381 3.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 1 $235,000 $235,000 $2,439 2.25%
WENATCHEE, WA 1 $235,000 $235,000 $2,479 3.00%
GRAND JUNCTION, CO 1 $225,000 $225,000 $3,372 3.75%
LAKELAND-WINTER HAVEN, FL 1 $215,000 $215,000 $2,489 2.25%
MIAMI-MIAMI BEACH-KENDALL, FL 1 $215,000 $215,000 $0 3.00%
ASHEVILLE, NC 1 $215,000 $215,000 $1,062 2.88%
AUGUSTA-RICHMOND COUNTY, GA-SC 1 $205,000 $205,000 $2,381 2.25%
OMAHA-COUNCIL BLUFFS, NE-IA 1 $205,000 $205,000 $2,948 3.50%
CINCINNATI, OH-KY-IN 1 $205,000 $205,000 $3,323 2.50%
AMARILLO, TX 1 $195,000 $195,000 $2,797 2.25%
SPRINGFIELD, OH 1 $195,000 $195,000 $2,568 2.75%
LONGVIEW, TX 1 $185,000 $185,000 $2,097 2.25%
BURLINGTON, NC 1 $185,000 $185,000 $2,539 3.50%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 1 $185,000 $185,000 $944 2.25%
GOLDSBORO, NC 1 $185,000 $185,000 $0 3.25%
SANTA FE, NM 1 $175,000 $175,000 $3,740 4.63%
NEW ORLEANS-METAIRIE, LA 1 $175,000 $175,000 $895 3.13%
TOPEKA, KS 1 $175,000 $175,000 $1,004 2.25%
PITTSBURGH, PA 1 $165,000 $165,000 $2,885 2.25%
CHEYENNE, WY 1 $165,000 $165,000 $2,115 3.50%
DAPHNE-FAIRHOPE-FOLEY, AL 1 $165,000 $165,000 $7,469 2.50%
TOLEDO, OH 1 $165,000 $165,000 $2,321 2.25%
TULSA, OK 1 $165,000 $165,000 $4,318 3.88%
MOBILE, AL 1 $165,000 $165,000 $0 3.25%
HICKORY-LENOIR-MORGANTON, NC 1 $155,000 $155,000 $2,659 2.25%
WICHITA, KS 1 $145,000 $145,000 $1,088 2.25%
BATON ROUGE, LA 1 $145,000 $145,000 $493 2.25%
MEMPHIS, TN-MS-AR 1 $145,000 $145,000 $2,494 3.13%
SUMTER, SC 1 $145,000 $145,000 $0 3.63%
PHILADELPHIA, PA 1 $135,000 $135,000 $7,889 2.25%
GREENSBORO-HIGH POINT, NC 1 $125,000 $125,000 $1,481 2.25%
DURHAM-CHAPEL HILL, NC 1 $115,000 $115,000 $2,052 2.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 1 $115,000 $115,000 $3,116 3.13%
KNOXVILLE, TN 1 $95,000 $95,000 $69 2.25%
ELGIN, IL 1 $95,000 $95,000 $2,094 2.75%

Intercap Lending 's top markets include Salt Lake City, Provo, Ogden, San Diego, and St. George among others.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 7,065 $2,284,535,000 $323,360
3-4% 6,267 $1,938,995,000 $309,398
<2.5% 1,828 $521,680,000 $285,383
4-5% 663 $116,955,000 $176,403
5-6% 357 $21,405,000 $59,958
6-7% 61 $785,000 $12,869
7-8% 27 $295,000 $10,926
Over 8% 2 $40,000 $20,000

During 2020, Intercap Lending 's average interest rate was 3.23%, while their most frequently originated rate bucket was 2.5-3%, with 7,065 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 9,671 $2,814,695,000 $291,045 $4,917 3.10%
$400k-600k 2,635 $1,244,135,000 $472,157 $5,341 3.05%
$100k-200k 2,569 $415,615,000 $161,781 $3,554 3.07%
$100,000 or less 891 $25,125,000 $28,199 $2,833 4.63%
$600k-1MM 448 $309,700,000 $691,295 $6,385 3.04%
$1MM+ 56 $75,420,000 $1,346,786 $8,638 3.05%

2020 saw Intercap Lending place emphasis on $200k-400k loans with 9,671 originations, totaling $2,814,695,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 4,184 $1,030,120,000 $246,205 $5,150 3.27%
$100k-150k 3,397 $1,155,215,000 $340,069 $4,581 3.11%
$75k-100k 3,236 $943,310,000 $291,505 $4,977 3.20%
$150k-250k 1,976 $779,560,000 $394,514 $4,628 3.07%
$50k or less 1,939 $357,245,000 $184,242 $4,794 3.30%
$250k+ 743 $360,785,000 $485,579 $4,875 3.09%

Intercap Lending lent most frequently to those with incomes in the $50k-75k range, with 4,184 originations. The second most popular income band? $100k-150k, with 3,397 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 3,355 $1,022,755,000 $304,845 $4,011 3.04%
30-36% 2,725 $845,405,000 $310,240 $4,435 3.15%
<20% 1,265 $368,675,000 $291,443 $3,659 2.92%
44% 761 $223,185,000 $293,279 $5,168 3.33%
43% 674 $191,200,000 $283,680 $4,866 3.30%
42% 654 $192,290,000 $294,021 $5,183 3.28%
50-60% 653 $179,845,000 $275,413 $10,686 3.47%
41% 613 $183,685,000 $299,649 $5,013 3.26%
38% 604 $184,770,000 $305,911 $4,870 3.21%
40% 603 $180,745,000 $299,743 $5,009 3.29%
39% 587 $176,885,000 $301,337 $4,877 3.26%
37% 574 $171,550,000 $298,868 $4,566 3.19%
36% 541 $164,325,000 $303,743 $4,546 3.24%
45% 478 $142,200,000 $297,490 $5,248 3.29%
46% 415 $121,775,000 $293,434 $5,736 3.38%
49% 388 $113,130,000 $291,572 $5,906 3.31%
47% 368 $107,990,000 $293,451 $5,776 3.29%
48% 361 $108,875,000 $301,593 $5,962 3.29%
>60% 24 $4,110,000 $171,250 $12,058 4.61%

Intercap Lending lent most frequently to those with DTI ratios of 20-30%, with 3,355 originations. The next most common DTI ratio? 30-36%, with 2,725 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 13,990 $4,180,090,000 $298,791 $4,728 3.16%
Not provided 1,584 $494,770,000 $312,355 $5,331 3.22%
Asian 318 $103,300,000 $324,843 $4,711 3.07%
Black 169 $49,415,000 $292,396 $4,442 3.04%
Native Hawaiian 84 $23,370,000 $278,214 $6,308 3.48%
American Indian 62 $14,650,000 $236,290 $6,506 3.50%
Not applicable 23 $5,645,000 $245,435 $6,966 3.38%
Asian Indian 11 $4,885,000 $444,091 $4,743 2.90%
Filipino 8 $2,910,000 $363,750 $8,533 3.52%
Chinese 6 $1,760,000 $293,333 $3,357 2.50%
Vietnamese 3 $965,000 $321,667 $3,383 2.71%
Other Asian 4 $880,000 $220,000 $4,056 2.69%
Native Hawiian 2 $570,000 $285,000 $3,006 2.81%
Japanese 3 $555,000 $185,000 $4,080 3.33%
Korean 1 $395,000 $395,000 $2,679 2.50%
Other Pacific Islander 1 $325,000 $325,000 $3,445 2.88%
Samoan 1 $205,000 $205,000 $0 4.38%

Approval Rates

Total approvals of all applications
98.99%

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
82.56%

Intercap Lending has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 16,270 $4,884,690,000 $300,227

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Manufactured 113 $22,005,000 $194,735
Single Family (1-4 Units):Site-Built 16,157 $4,862,685,000 $300,965

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 645 $121,595,000 $188,519 $3,107 2.82%
40-60% 2,594 $716,430,000 $276,187 $3,407 2.88%
60-80% 5,951 $1,946,275,000 $327,050 $4,055 3.13%
80-100% 5,720 $1,879,120,000 $328,517 $6,346 3.19%
Over 100% 136 $53,210,000 $391,250 $12,943 3.10%
Under 20% 746 $15,900,000 $21,314 $2,788 4.91%