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 smaller 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, Provo, Ogden, Heber, and St. George among others. We have data for 158 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 | 6.86% | 12/16/24 |
| 30 Year Conventional Refi | 6.62% | 12/16/24 |
| 30 Year Cash-out Refi | 6.79% | 12/16/24 |
| 30 Year FHA Purchase | 7.62% | 12/16/24 |
| 30 Year FHA Refi | 6.87% | 12/16/24 |
| 30 Year VA Purchase | 6.08% | 12/16/24 |
| 30 Year VA Refi | 5.64% | 12/16/24 |
| 30 Year USDA Purchase | 6.94% | 12/16/24 |
| 30 Year USDA Refi | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 6.91% | 12/16/24 |
| 15 Year Conventional Refi | 6.21% | 12/16/24 |
| 15 Year Cash-out Refi | 6.21% | 12/16/24 |
| 15 Year FHA Purchase | 8.09% | 12/16/24 |
| 15 Year VA Refi | 5.60% | 12/16/24 |
| 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
2,014Origination Dollar Volume (All Markets)
$515,010,000Awards
INTERCAP LENDING - 2018
INTERCAP LENDING is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 1,063 | $280,665,000 | $264,031 | $5,677 | 5.14% |
| PROVO-OREM, UT (FHA|USDA|VA) | 326 | $77,590,000 | $238,006 | $5,733 | 5.27% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 190 | $43,600,000 | $229,474 | $5,710 | 5.25% |
| Heber, UT (FHA|USDA|VA) | 38 | $19,610,000 | $516,053 | $5,847 | 4.83% |
| ST. GEORGE, UT (FHA|USDA|VA) | 25 | $6,365,000 | $254,600 | $5,213 | 5.05% |
| Outside of Metro Areas | 33 | $5,225,000 | $158,333 | $5,700 | 4.82% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 8 | $4,600,000 | $575,000 | $11,340 | 3.73% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 19 | $4,395,000 | $231,316 | $7,096 | 4.34% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 13 | $3,425,000 | $263,462 | $7,665 | 4.26% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 9 | $3,395,000 | $377,222 | $9,348 | 3.85% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 10 | $2,560,000 | $256,000 | $10,279 | 4.21% |
| Vernal, UT (FHA|USDA|VA) | 15 | $2,455,000 | $163,667 | $6,138 | 5.12% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $2,210,000 | $552,500 | $10,632 | 3.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 7 | $1,975,000 | $282,143 | $10,314 | 3.98% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,850,000 | $462,500 | $7,904 | 4.19% |
| LOGAN, UT-ID (FHA|USDA|VA) | 11 | $1,775,000 | $161,364 | $5,354 | 5.86% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $1,455,000 | $207,857 | $6,602 | 4.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $7,428 | 3.90% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $9,806 | 3.67% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $8,317 | 3.60% |
| STOCKTON, CA (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $8,453 | 4.50% |
| Cedar City, UT (FHA|USDA|VA) | 6 | $1,100,000 | $183,333 | $4,373 | 4.71% |
| SAVANNAH, GA (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $9,501 | 3.25% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $6,557 | 3.88% |
| Price, UT (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $4,819 | 4.81% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $4,245 | 4.00% |
| SALEM, OR (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $4,583 | 5.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $8,546 | 4.22% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $2,959 | 4.88% |
| Rexburg, ID (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $5,719 | 4.88% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $27,360 | 2.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $15,372 | 5.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $9,430 | 3.81% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $18,588 | 4.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $5,860 | 3.69% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $6,875 | 3.75% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $5,423 | 3.83% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $10,176 | 3.96% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $2,466 | 4.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $7,603 | 3.08% |
| BOISE CITY, ID (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $6,255 | 4.97% |
| EL PASO, TX (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $4,385 | 3.97% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $6,010 | 4.63% |
| Outside of Metro Areas | 2 | $560,000 | $280,000 | $8,760 | 4.50% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,204 | 4.31% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $8,813 | 4.94% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,425 | 3.94% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $8,096 | 4.31% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $6,609 | 2.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $4,734 | 4.19% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $8,092 | 4.06% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $11,116 | 3.75% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $8,072 | 4.19% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $7,327 | 3.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $10,033 | 3.75% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $4,872 | 6.00% |
| RENO, NV (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $13,478 | 2.25% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $9,581 | 4.38% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,595 | 3.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $8,298 | 3.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $4,253 | 4.25% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $5,376 | 4.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $8,164 | 4.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,608 | 3.25% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $10,752 | 3.75% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $6,888 | 4.29% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $12,764 | 3.25% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $10,162 | 3.38% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,873 | 5.13% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $14,785 | 3.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,067 | 3.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,634 | 3.00% |
| Gillette, WY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,312 | 3.75% |
| Montrose, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,233 | 4.38% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,324 | 3.94% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $13,736 | 2.75% |
| Elko, NV (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,505 | 5.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,217 | 5.50% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 4.63% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,441 | 4.25% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,199 | 3.75% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $9,947 | 2.88% |
| Durango, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $8,367 | 4.88% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,990 | 3.50% |
| Burley, ID (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,173 | 5.25% |
| Fernley, NV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,280 | 6.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,856 | 4.63% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,750 | 4.75% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $5,304 | 3.00% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,889 | 3.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,868 | 3.25% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,124 | 4.25% |
| Grand Rapids, MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 4.63% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,617 | 3.56% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,132 | 3.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $14,253 | 4.13% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,242 | 2.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,480 | 2.88% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,479 | 2.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,494 | 2.75% |
| TULSA, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,291 | 4.75% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,584 | 4.25% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,550 | 3.25% |
| Ashland, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,940 | 2.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,579 | 2.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,727 | 2.25% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,228 | 5.00% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,345 | 5.13% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $496 | 4.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,796 | 2.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,308 | 2.75% |
| Ruidoso, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,515 | 4.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $6,365 | 3.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,732 | 3.75% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,060 | 2.25% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,161 | 5.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,704 | 2.25% |
| Centralia, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,160 | 4.63% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,730 | 4.75% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,159 | 4.88% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,577 | 6.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,623 | 2.25% |
| Laconia, NH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,580 | 2.25% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,503 | 4.25% |
| AKRON, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $306 | 4.63% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,107 | 2.75% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,413 | 3.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,735 | 4.38% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,096 | 3.25% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,347 | 4.88% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,307 | 2.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,790 | 3.75% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,003 | 3.75% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $125 | 5.50% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,568 | 2.75% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,914 | 3.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,468 | 3.25% |
| Summerville, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,583 | 3.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,257 | 3.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,353 | 4.63% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,939 | 2.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,690 | 3.75% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,678 | 4.00% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,335 | 3.25% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 5.13% |
| Washington, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,655 | 3.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,333 | 2.25% |
| Riverton, WY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,881 | 4.13% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,930 | 4.50% |
| TYLER, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,625 | 4.50% |
| Holland, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,240 | 3.75% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,354 | 2.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,749 | 3.25% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,115 | 4.38% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,410 | 3.88% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $4,944 | 5.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,904 | 3.75% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.50% |
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Product Mix
For 2018, Intercap Lending's most frequently originated type of loan was Conventional, with 1,329 originations. Their 2nd most popular type was FHA, with 339 originations.
Loan Reason
For 2018, Intercap Lending's most frequently cited loan purpose was Home Purchase, with 1,547 originations. The 2nd most popular reason was Refi, with 235 originations.
Loan Duration/Length
For 2018, Intercap Lending's most frequently cited loan duration was 30 Year, with 1,953 originations. The 2nd most popular length was 15 Year, with 40 originations.
Origination Fees/Closing Costs
Intercap Lending's average total fees were $6,018, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 768 originations.
Interest Rates
During 2018, Intercap Lending's average interest rate for loans was 5.00%, while their most frequently originated rate bucket for loans was 4-5%, with 1,050 originations.
Loan Sizing
2018 saw Intercap Lending place emphasis on $200k-400k loans with 1,179 originations, totaling $330,515,000 in origination value.
Applicant Income
Intercap Lending lent most frequently to those with incomes in the $50k-75k range, with 650 originations. The second most popular income band? $75k-100k, with 340 originations.
Applicant Debt to Income Ratio
Intercap Lending lent most frequently to those with DTI ratios of 30-36%, with 253 originations. The next most common DTI ratio? 50-60%, with 219 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.25%
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 origination65.24%
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 | 2,014 | $515,010,000 | $255,715 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 15 | $2,745,000 | $183,000 |
| Single Family (1-4 Units):Site-Built | 1,999 | $512,265,000 | $256,261 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Intercoastal Mortgage LLC | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |