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 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 by origination volume include: Salt Lake City, Provo, Ogden, San Diego, and St. George among others. We have data for 214 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
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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
16,270Origination Dollar Volume (All Markets)
$4,884,690,000Awards
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INTERCAP LENDING - 2020
INTERCAP LENDING is a 2020 , due to their low .
For 2020, 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) | 6,170 | $1,912,940,000 | $310,039 | $4,686 | 3.19% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2,681 | $804,545,000 | $300,091 | $5,009 | 3.22% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2,962 | $800,590,000 | $270,287 | $4,883 | 3.21% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 683 | $304,165,000 | $445,337 | $5,175 | 2.94% |
| ST. GEORGE, UT (FHA|USDA|VA) | 753 | $203,045,000 | $269,648 | $4,558 | 3.16% |
| Heber, UT (FHA|USDA|VA) | 342 | $158,600,000 | $463,743 | $4,363 | 3.10% |
| Outside of Metro Areas | 490 | $98,790,000 | $201,612 | $4,907 | 3.25% |
| LOGAN, UT-ID (FHA|USDA|VA) | 399 | $93,825,000 | $235,150 | $4,280 | 3.05% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 83 | $51,215,000 | $617,048 | $6,797 | 3.02% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 198 | $50,700,000 | $256,061 | $5,912 | 3.07% |
| Cedar City, UT (FHA|USDA|VA) | 231 | $48,885,000 | $211,623 | $5,066 | 3.36% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 85 | $39,245,000 | $461,706 | $4,764 | 2.90% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 118 | $34,640,000 | $293,559 | $5,049 | 2.99% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 132 | $33,460,000 | $253,485 | $5,152 | 2.87% |
| Vernal, UT (FHA|USDA|VA) | 156 | $26,200,000 | $167,949 | $6,136 | 3.48% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 40 | $14,730,000 | $368,250 | $4,331 | 3.04% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 28 | $10,480,000 | $374,286 | $3,034 | 2.82% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 24 | $8,480,000 | $353,333 | $4,026 | 2.52% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 17 | $8,255,000 | $485,588 | $4,170 | 2.80% |
| BOISE CITY, ID (FHA|USDA|VA) | 22 | $6,590,000 | $299,545 | $5,857 | 3.14% |
| Price, UT (FHA|USDA|VA) | 46 | $6,310,000 | $137,174 | $5,222 | 3.65% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 15 | $6,085,000 | $405,667 | $3,460 | 2.70% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 23 | $5,525,000 | $240,217 | $4,275 | 3.04% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 18 | $4,940,000 | $274,444 | $3,713 | 3.01% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 8 | $3,900,000 | $487,500 | $5,697 | 2.91% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 12 | $3,810,000 | $317,500 | $4,661 | 2.89% |
| STOCKTON, CA (FHA|USDA|VA) | 10 | $3,740,000 | $374,000 | $4,899 | 2.87% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $3,250,000 | $541,667 | $5,939 | 3.10% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 14 | $3,160,000 | $225,714 | $8,333 | 3.07% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 11 | $3,135,000 | $285,000 | $2,948 | 2.82% |
| Rexburg, ID (FHA|USDA|VA) | 12 | $3,110,000 | $259,167 | $5,282 | 3.02% |
| EL PASO, TX (FHA|USDA|VA) | 14 | $3,010,000 | $215,000 | $5,990 | 3.05% |
| VALLEJO, CA (FHA|USDA|VA) | 11 | $2,915,000 | $265,000 | $8,216 | 3.09% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 9 | $2,825,000 | $313,889 | $1,980 | 2.68% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 9 | $2,805,000 | $311,667 | $4,030 | 2.54% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 10 | $2,700,000 | $270,000 | $2,055 | 2.70% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 9 | $2,645,000 | $293,889 | $3,601 | 2.82% |
| Blackfoot, ID (FHA|USDA|VA) | 5 | $2,625,000 | $525,000 | $6,868 | 3.35% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 11 | $2,585,000 | $235,000 | $2,650 | 2.64% |
| FRESNO, CA (FHA|USDA|VA) | 9 | $2,585,000 | $287,222 | $3,673 | 2.78% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 9 | $2,505,000 | $278,333 | $2,635 | 2.86% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 8 | $2,370,000 | $296,250 | $3,238 | 2.67% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 7 | $2,355,000 | $336,429 | $3,417 | 2.66% |
| RENO, NV (FHA|USDA|VA) | 6 | $2,340,000 | $390,000 | $4,072 | 2.94% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 9 | $2,235,000 | $248,333 | $2,579 | 2.61% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $2,155,000 | $431,000 | $5,554 | 2.90% |
| MEDFORD, OR (FHA|USDA|VA) | 6 | $2,140,000 | $356,667 | $3,927 | 3.08% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 6 | $2,010,000 | $335,000 | $5,793 | 2.94% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 8 | $1,960,000 | $245,000 | $3,707 | 3.23% |
| TUCSON, AZ (FHA|USDA|VA) | 9 | $1,905,000 | $211,667 | $3,970 | 2.79% |
| SALEM, OR (FHA|USDA|VA) | 7 | $1,825,000 | $260,714 | $4,820 | 2.95% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $1,740,000 | $217,500 | $3,457 | 2.97% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 8 | $1,730,000 | $216,250 | $2,111 | 2.73% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $4,450 | 3.33% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $4,325 | 2.69% |
| POCATELLO, ID (FHA|USDA|VA) | 8 | $1,610,000 | $201,250 | $4,183 | 3.25% |
| ANCHORAGE, AK (FHA|USDA|VA) | 4 | $1,600,000 | $400,000 | $4,885 | 2.63% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,490,000 | $372,500 | $5,147 | 2.41% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,440,000 | $360,000 | $1,566 | 2.69% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $6,241 | 3.01% |
| Evanston, WY (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $3,573 | 2.92% |
| FORT COLLINS, CO (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $2,805 | 2.81% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $5,021 | 2.66% |
| YUMA, AZ (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $5,961 | 2.81% |
| Burley, ID (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $5,057 | 3.10% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $2,796 | 2.59% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $963 | 2.33% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $9,601 | 3.06% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $2,081 | 3.03% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $4,105 | 3.34% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 6 | $1,050,000 | $175,000 | $2,489 | 3.42% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $2,240 | 2.56% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $3,209 | 2.66% |
| PUEBLO, CO (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $4,119 | 3.94% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $6,079 | 3.08% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $5,879 | 2.32% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $2,296 | 2.75% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $2,783 | 3.08% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $3,115 | 2.71% |
| EL CENTRO, CA (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $4,339 | 2.71% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $3,279 | 2.92% |
| TWIN FALLS, ID (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $4,035 | 2.87% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 5 | $795,000 | $159,000 | $5,758 | 2.55% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $5,184 | 2.44% |
| LAWTON, OK (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $3,179 | 2.50% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,841 | 3.06% |
| Jackson, WY-ID (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,334 | 3.00% |
| Elko, NV (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $3,876 | 2.88% |
| Rock Springs, WY (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $4,417 | 3.19% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,149 | 2.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,387 | 2.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $3,171 | 2.88% |
| Ozark, AL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,818 | 2.75% |
| WACO, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,474 | 2.83% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $2,814 | 2.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $5,368 | 2.69% |
| Outside of Metro Areas | 2 | $530,000 | $265,000 | $3,461 | 2.94% |
| Cullman, AL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,081 | 2.88% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,895 | 2.75% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,024 | 2.88% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 3.38% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,597 | 2.88% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,685 | 2.75% |
| OCALA, FL (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $2,939 | 2.71% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 2.75% |
| LONGVIEW, WA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $2,418 | 2.81% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,293 | 3.00% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $8,487 | 3.63% |
| NAPA, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,603 | 2.75% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,624 | 2.38% |
| BEND, OR (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,533 | 2.88% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,725 | 3.44% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,486 | 2.75% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,407 | 3.31% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,270 | 4.19% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,700 | 2.25% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,674 | 2.99% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,382 | 2.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,492 | 2.25% |
| RACINE, WI (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $5,334 | 3.50% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,417 | 2.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,490 | 2.25% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $429 | 2.63% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,842 | 2.25% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 3.25% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $854 | 2.94% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,843 | 2.88% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,597 | 3.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,674 | 2.75% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,621 | 3.50% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,639 | 2.50% |
| Centralia, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,546 | 3.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,602 | 2.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,965 | 2.81% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,804 | 2.25% |
| Moscow, ID (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,059 | 3.50% |
| FAIRBANKS, AK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,479 | 3.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,499 | 3.50% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,866 | 3.50% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $9,064 | 4.13% |
| Edwards, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,653 | 2.88% |
| Roswell, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,418 | 3.38% |
| Douglas, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,066 | 2.81% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,617 | 2.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,151 | 2.25% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,194 | 2.25% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,971 | 3.25% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,299 | 2.99% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,889 | 3.75% |
| MERCED, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,164 | 3.50% |
| CHICO, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,271 | 4.00% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,355 | 3.00% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $12,978 | 4.25% |
| CASPER, WY (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,589 | 2.25% |
| Brevard, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,886 | 3.13% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,615 | 2.25% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,341 | 3.13% |
| Forest City, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,823 | 3.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,450 | 2.75% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,630 | 2.25% |
| Seymour, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,499 | 2.25% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,522 | 3.38% |
| Ashland, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,587 | 2.25% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,479 | 3.00% |
| AKRON, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,381 | 3.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,439 | 2.25% |
| Montrose, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,966 | 3.13% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,817 | 2.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,372 | 3.75% |
| Newport, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,622 | 4.75% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,062 | 2.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,489 | 2.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,381 | 2.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,323 | 2.50% |
| Snyder, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,663 | 2.75% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,948 | 3.50% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,797 | 2.25% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,568 | 2.75% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,539 | 3.50% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $944 | 2.25% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,097 | 2.25% |
| Lake City, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,060 | 2.25% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.25% |
| Pullman, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,852 | 3.00% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,740 | 4.63% |
| Seneca, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $881 | 2.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $895 | 3.13% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,004 | 2.25% |
| TULSA, OK (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,318 | 3.88% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,885 | 2.25% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,469 | 2.50% |
| Findlay, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,761 | 2.25% |
| Jackson, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,744 | 2.25% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,321 | 2.25% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,115 | 3.50% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.25% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,670 | 3.38% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,659 | 2.25% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,493 | 2.25% |
| Martin, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,533 | 3.00% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,494 | 3.13% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $493 | 2.25% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,088 | 2.25% |
| Wilson, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,663 | 3.25% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,083 | 4.50% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,880 | 3.63% |
| Decatur, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,828 | 3.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,481 | 2.25% |
| Granbury, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,759 | 2.88% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,052 | 2.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,116 | 3.13% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 2.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $69 | 2.25% |
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.
HERITAGE COMMUNITY CREDIT UNION
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BOURNS EMPLOYEES FEDERAL CREDIT UNION
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MYPOINT Credit Union
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ALTURA
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BLUE BRICK FINANCIAL LLC
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Poli Mortgage Group, Inc.
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Product Mix
For 2020, Intercap Lending's most frequently originated type of loan was Conventional, with 13,554 originations. Their 2nd most popular type was FHA, with 1,484 originations.
Loan Reason
For 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
For 2020, Intercap Lending's most frequently cited loan duration was 30 Year, with 14,278 originations. The 2nd most popular length was 15 Year, with 1,431 originations.
Origination Fees/Closing Costs
Intercap Lending's average total fees were $5,013, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 9,975 originations.
Interest Rates
During 2020, Intercap Lending's average interest rate for loans was 3.23%, while their most frequently originated rate bucket for loans was 2.5-3%, with 7,065 originations.
Loan Sizing
2020 saw Intercap Lending place emphasis on $200k-400k loans with 9,671 originations, totaling $2,814,695,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications99.29%
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 origination83.37%
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
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| INTERCONTINENTAL CAPITAL GROUP | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 13.3% |
| INTERCONTINENTAL CAPITAL GROUP | Conventional home mortgage | Closing on a mortgage | 2 | 13.3% |
| INTERCONTINENTAL CAPITAL GROUP | Conventional home mortgage | Struggling to pay mortgage | 1 | 6.7% |
| INTERCONTINENTAL CAPITAL GROUP | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 2 | 13.3% |
| INTERCONTINENTAL CAPITAL GROUP | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 1 | 6.7% |
| INTERCONTINENTAL CAPITAL GROUP | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 3 | 20.0% |
| INTERCONTINENTAL CAPITAL GROUP | VA mortgage | Closing on a mortgage | 2 | 13.3% |
| INTERCONTINENTAL CAPITAL GROUP | VA mortgage | Trouble during payment process | 2 | 13.3% |