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 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, St. George, and Heber among others. We have data for 115 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.86% | 4/22/24 |
| 30 Year Conventional Refi | 6.62% | 4/22/24 |
| 30 Year Cash-out Refi | 6.79% | 4/22/24 |
| 30 Year FHA Purchase | 7.62% | 4/22/24 |
| 30 Year FHA Refi | 6.87% | 4/22/24 |
| 30 Year VA Purchase | 6.08% | 4/22/24 |
| 30 Year VA Refi | 5.64% | 4/22/24 |
| 30 Year USDA Purchase | 6.94% | 4/22/24 |
| 30 Year USDA Refi | 6.27% | 4/22/24 |
| 15 Year Conventional Purchase | 6.91% | 4/22/24 |
| 15 Year Conventional Refi | 6.21% | 4/22/24 |
| 15 Year Cash-out Refi | 6.21% | 4/22/24 |
| 15 Year FHA Purchase | 8.09% | 4/22/24 |
| 15 Year VA Refi | 5.60% | 4/22/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,433Origination Dollar Volume (All Markets)
$1,777,435,000Awards
INTERCAP LENDING - 2019
INTERCAP LENDING is a 2019 , due to their low .
For 2019, 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) | 2,661 | $771,205,000 | $289,818 | $5,493 | 4.40% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1,209 | $342,145,000 | $282,998 | $5,828 | 4.38% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1,268 | $311,950,000 | $246,017 | $5,966 | 4.44% |
| ST. GEORGE, UT (FHA|USDA|VA) | 319 | $80,805,000 | $253,307 | $5,314 | 4.32% |
| Heber, UT (FHA|USDA|VA) | 133 | $57,645,000 | $433,421 | $5,357 | 4.24% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 68 | $31,940,000 | $469,706 | $6,022 | 3.76% |
| Outside of Metro Areas | 150 | $26,570,000 | $177,133 | $5,573 | 4.50% |
| Cedar City, UT (FHA|USDA|VA) | 88 | $19,270,000 | $218,977 | $5,347 | 4.14% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 70 | $16,850,000 | $240,714 | $4,818 | 4.06% |
| LOGAN, UT-ID (FHA|USDA|VA) | 55 | $11,785,000 | $214,273 | $5,670 | 4.35% |
| Vernal, UT (FHA|USDA|VA) | 82 | $11,330,000 | $138,171 | $6,859 | 5.14% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 18 | $9,250,000 | $513,889 | $7,092 | 3.92% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 30 | $7,830,000 | $261,000 | $5,802 | 3.65% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 31 | $6,915,000 | $223,065 | $6,325 | 4.23% |
| BOISE CITY, ID (FHA|USDA|VA) | 21 | $5,195,000 | $247,381 | $7,899 | 4.07% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 11 | $4,755,000 | $432,273 | $4,070 | 3.78% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 7 | $4,375,000 | $625,000 | $5,792 | 3.95% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $3,060,000 | $510,000 | $4,520 | 3.96% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 8 | $2,720,000 | $340,000 | $6,546 | 3.80% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $2,465,000 | $352,143 | $3,966 | 3.52% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $2,265,000 | $323,571 | $7,377 | 3.95% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 8 | $2,070,000 | $258,750 | $3,867 | 4.03% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 6 | $2,000,000 | $333,333 | $4,982 | 4.13% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 9 | $1,875,000 | $208,333 | $6,022 | 4.01% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $4,368 | 3.72% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $1,365,000 | $455,000 | $7,147 | 3.92% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $1,225,000 | $408,333 | $4,934 | 4.21% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $8,434 | 3.59% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $2,838 | 3.93% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $1,939 | 3.69% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $4,037 | 3.92% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $3,138 | 4.06% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $2,116 | 3.42% |
| Price, UT (FHA|USDA|VA) | 9 | $925,000 | $102,778 | $5,804 | 5.03% |
| Rexburg, ID (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $7,094 | 4.88% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $4,293 | 4.94% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $4,934 | 4.13% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $4,241 | 3.94% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,940 | 3.38% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $4,544 | 4.50% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,358 | 3.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $6,945 | 3.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $9,283 | 3.28% |
| SALEM, OR (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $3,734 | 3.88% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,263 | 3.69% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,456 | 3.75% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $2,444 | 4.21% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,565 | 3.94% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,481 | 4.04% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $9,071 | 3.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $4,010 | 3.63% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $5,754 | 4.63% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,830 | 3.81% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $1,939 | 4.19% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,045 | 4.25% |
| POCATELLO, ID (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,971 | 4.19% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,074 | 3.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,457 | 3.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,380 | 3.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,410 | 3.75% |
| Burley, ID (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,674 | 4.13% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,792 | 3.99% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,616 | 3.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,998 | 3.25% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $13,085 | 3.50% |
| Montrose, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,134 | 4.00% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $2,981 | 4.92% |
| Hailey, ID (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,538 | 3.75% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,092 | 3.75% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,066 | 4.69% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,849 | 4.13% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,661 | 3.88% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,124 | 3.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,013 | 4.13% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,846 | 3.38% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,275 | 3.25% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,315 | 4.63% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,202 | 4.00% |
| Fernley, NV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,152 | 4.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $946 | 4.06% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,255 | 3.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.13% |
| Outside of Metro Areas | 1 | $255,000 | $255,000 | $5,834 | 4.00% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,282 | 3.38% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,873 | 3.38% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,867 | 3.13% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,565 | 3.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,468 | 3.63% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,746 | 4.88% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,152 | 3.50% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,613 | 3.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $243 | 3.38% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,301 | 4.00% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,990 | 3.50% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,072 | 3.25% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,448 | 3.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,076 | 3.13% |
| WACO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,456 | 2.99% |
| CHICO, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,357 | 4.25% |
| Evanston, WY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,255 | 4.50% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,119 | 4.50% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,592 | 3.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $994 | 3.63% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,689 | 4.88% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,992 | 5.13% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,973 | 3.75% |
| Pullman, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,756 | 4.13% |
| Crossville, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,262 | 3.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.38% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,497 | 4.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,827 | 3.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,185 | 4.63% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,097 | 3.25% |
| Madison, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,997 | 3.38% |
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.
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Product Mix
For 2019, Intercap Lending's most frequently originated type of loan was Conventional, with 4,725 originations. Their 2nd most popular type was FHA, with 1,055 originations.
Loan Reason
For 2019, Intercap Lending's most frequently cited loan purpose was Home Purchase, with 4,005 originations. The 2nd most popular reason was Refi, with 1,554 originations.
Loan Duration/Length
For 2019, Intercap Lending's most frequently cited loan duration was 30 Year, with 6,107 originations. The 2nd most popular length was 15 Year, with 207 originations.
Origination Fees/Closing Costs
Intercap Lending's average total fees were $5,730, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 3,050 originations.
Interest Rates
During 2019, Intercap Lending's average interest rate for loans was 4.40%, while their most frequently originated rate bucket for loans was 3-4%, with 2,959 originations.
Loan Sizing
2019 saw Intercap Lending place emphasis on $200k-400k loans with 3,931 originations, totaling $1,120,285,000 in origination value.
Applicant Income
Intercap Lending lent most frequently to those with incomes in the $50k-75k range, with 2,004 originations. The second most popular income band? $75k-100k, with 1,248 originations.
Applicant Debt to Income Ratio
Intercap Lending lent most frequently to those with DTI ratios of 30-36%, with 1,010 originations. The next most common DTI ratio? 20-30%, with 948 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications99.26%
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 origination85.92%
Intercap Lending has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,433 | $1,777,435,000 | $276,300 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 57 | $8,835,000 | $155,000 |
| Single Family (1-4 Units):Site-Built | 6,376 | $1,768,600,000 | $277,384 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| INTERCONTINENTAL CAPITAL GROUP | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |