Intercap Lending Mortgage Rates, Fees & Info

ESPANOLA, NM

LEI: 549300S5FVOSK5DQJN30

Tax ID: 85-0260899

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

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    • 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, St. George, and Heber among others. We have data for 177 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

    5,999

    Origination Dollar Volume (All Markets)

    $2,319,995,000
    Show all (7) awards

    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) 2,001 $798,045,000 $398,823 $7,189 5.05%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1,164 $427,300,000 $367,096 $7,676 5.11%
    PROVO-OREM, UT (FHA|USDA|VA) 974 $400,870,000 $411,571 $7,770 4.97%
    ST. GEORGE, UT (FHA|USDA|VA) 238 $98,610,000 $414,328 $8,216 5.02%
    Heber, UT (FHA|USDA|VA) 129 $84,145,000 $652,287 $7,925 5.07%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 135 $83,545,000 $618,852 $8,865 4.54%
    Outside of Metro Areas 251 $62,675,000 $249,701 $6,834 5.29%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 127 $48,765,000 $383,976 $8,450 4.90%
    LOGAN, UT-ID (FHA|USDA|VA) 103 $35,515,000 $344,806 $7,394 4.83%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 112 $30,720,000 $274,286 $9,027 4.19%
    Cedar City, UT (FHA|USDA|VA) 92 $26,050,000 $283,152 $7,598 4.90%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 57 $24,115,000 $423,070 $7,447 5.05%
    Vernal, UT (FHA|USDA|VA) 112 $19,470,000 $173,839 $6,709 5.61%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 18 $13,620,000 $756,667 $13,208 4.58%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 17 $12,885,000 $757,941 $9,615 4.56%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 30 $12,210,000 $407,000 $7,380 4.55%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 19 $8,135,000 $428,158 $9,060 6.16%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 15 $6,155,000 $410,333 $6,564 6.42%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 25 $5,455,000 $218,200 $10,234 4.24%
    BOISE CITY, ID (FHA|USDA|VA) 13 $4,645,000 $357,308 $6,386 5.01%
    Price, UT (FHA|USDA|VA) 18 $4,120,000 $228,889 $5,901 4.85%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $3,830,000 $478,750 $8,802 4.98%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 7 $3,755,000 $536,429 $6,608 4.88%
    IDAHO FALLS, ID (FHA|USDA|VA) 8 $2,950,000 $368,750 $11,368 5.56%
    RENO, NV (FHA|USDA|VA) 5 $2,915,000 $583,000 $5,209 4.13%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 12 $2,860,000 $238,333 $6,483 4.96%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 9 $2,775,000 $308,333 $6,672 5.22%
    VALLEJO, CA (FHA|USDA|VA) 4 $2,590,000 $647,500 $21,278 5.00%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 6 $2,520,000 $420,000 $6,720 4.04%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 6 $2,490,000 $415,000 $9,063 5.27%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 8 $2,300,000 $287,500 $8,392 5.23%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 7 $2,145,000 $306,429 $6,237 4.63%
    POCATELLO, ID (FHA|USDA|VA) 7 $1,895,000 $270,714 $6,470 5.87%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 4 $1,810,000 $452,500 $10,066 3.59%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $1,760,000 $440,000 $8,595 4.03%
    TULSA, OK (FHA|USDA|VA) 5 $1,675,000 $335,000 $3,581 5.25%
    Jackson, WY-ID (FHA|USDA|VA) 3 $1,625,000 $541,667 $7,226 4.83%
    PUEBLO, CO (FHA|USDA|VA) 7 $1,585,000 $226,429 $7,114 4.07%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 6 $1,550,000 $258,333 $3,277 4.23%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $1,510,000 $251,667 $4,684 6.56%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $1,410,000 $352,500 $8,071 4.53%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $1,385,000 $461,667 $8,535 4.75%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,365,000 $455,000 $9,153 5.41%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $1,315,000 $263,000 $8,861 5.63%
    YUMA, AZ (FHA|USDA|VA) 4 $1,270,000 $317,500 $7,879 4.91%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $1,235,000 $1,235,000 $15,743 5.50%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 3 $1,225,000 $408,333 $7,022 3.83%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,220,000 $305,000 $8,426 5.00%
    MEDFORD, OR (FHA|USDA|VA) 3 $1,205,000 $401,667 $8,318 4.79%
    Rexburg, ID (FHA|USDA|VA) 3 $1,145,000 $381,667 $6,198 5.67%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $1,140,000 $570,000 $13,389 5.25%
    GRAND JUNCTION, CO (FHA|USDA|VA) 4 $1,130,000 $282,500 $9,210 5.47%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,125,000 $375,000 $7,200 6.29%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $1,070,000 $267,500 $4,014 5.25%
    Blackfoot, ID (FHA|USDA|VA) 4 $1,030,000 $257,500 $10,577 5.66%
    Outside of Metro Areas 2 $1,020,000 $510,000 $9,266 4.19%
    WACO, TX (FHA|USDA|VA) 3 $965,000 $321,667 $6,230 4.33%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $915,000 $305,000 $9,304 5.04%
    Hailey, ID (FHA|USDA|VA) 1 $905,000 $905,000 $15,257 3.25%
    TUCSON, AZ (FHA|USDA|VA) 4 $890,000 $222,500 $9,231 4.00%
    COLUMBUS, OH (FHA|USDA|VA) 3 $885,000 $295,000 $3,972 5.13%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $835,000 $278,333 $4,992 4.13%
    EL PASO, TX (FHA|USDA|VA) 3 $825,000 $275,000 $5,970 5.38%
    Willmar, MN (FHA|USDA|VA) 1 $825,000 $825,000 $4,643 3.50%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $765,000 $765,000 $6,312 3.13%
    COLUMBIA, SC (FHA|USDA|VA) 2 $750,000 $375,000 $7,832 4.88%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $740,000 $370,000 $3,430 2.81%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $740,000 $370,000 $5,316 4.81%
    Burley, ID (FHA|USDA|VA) 2 $720,000 $360,000 $5,538 5.44%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 4 $720,000 $180,000 $3,828 4.69%
    FLAGSTAFF, AZ (FHA|USDA|VA) 2 $710,000 $355,000 $7,053 4.38%
    STOCKTON, CA (FHA|USDA|VA) 2 $700,000 $350,000 $9,284 4.56%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $690,000 $345,000 $7,361 4.38%
    SALINAS, CA (FHA|USDA|VA) 1 $675,000 $675,000 $5,397 4.50%
    Spearfish, SD (FHA|USDA|VA) 1 $645,000 $645,000 $6,388 4.75%
    Oak Harbor, WA (FHA|USDA|VA) 1 $645,000 $645,000 $4,145 4.38%
    SALEM, OR (FHA|USDA|VA) 1 $645,000 $645,000 $19,080 3.25%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $640,000 $320,000 $9,774 6.06%
    Sandpoint, ID (FHA|USDA|VA) 1 $615,000 $615,000 $10,564 3.13%
    MODESTO, CA (FHA|USDA|VA) 1 $615,000 $615,000 $7,891 3.50%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $610,000 $152,500 $3,131 3.78%
    BELLINGHAM, WA (FHA|USDA|VA) 1 $595,000 $595,000 $200 6.63%
    WICHITA, KS (FHA|USDA|VA) 2 $590,000 $295,000 $6,763 6.06%
    JACKSONVILLE, FL (FHA|USDA|VA) 3 $585,000 $195,000 $6,006 5.00%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $570,000 $285,000 $3,817 3.56%
    Montrose, CO (FHA|USDA|VA) 1 $545,000 $545,000 $8,014 5.75%
    TWIN FALLS, ID (FHA|USDA|VA) 2 $540,000 $270,000 $11,670 5.06%
    Payson, AZ (FHA|USDA|VA) 3 $535,000 $178,333 $5,617 6.54%
    GREELEY, CO (FHA|USDA|VA) 2 $520,000 $260,000 $4,199 7.25%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $515,000 $171,667 $3,320 3.92%
    BEND, OR (FHA|USDA|VA) 1 $505,000 $505,000 $6,182 3.63%
    Rock Springs, WY (FHA|USDA|VA) 2 $500,000 $250,000 $8,597 6.38%
    Mineral Wells, TX (FHA|USDA|VA) 1 $485,000 $485,000 $7,414 3.63%
    Pahrump, NV (FHA|USDA|VA) 2 $480,000 $240,000 $4,046 5.63%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $480,000 $240,000 $8,448 4.06%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 3 $475,000 $158,333 $15,764 3.38%
    BAKERSFIELD, CA (FHA|USDA|VA) 2 $470,000 $235,000 $7,788 4.50%
    OCALA, FL (FHA|USDA|VA) 3 $455,000 $151,667 $4,778 4.79%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $455,000 $455,000 $3,956 4.25%
    Fernley, NV (FHA|USDA|VA) 1 $455,000 $455,000 $5,325 3.75%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $455,000 $455,000 $3,805 4.13%
    YUBA CITY, CA (FHA|USDA|VA) 1 $445,000 $445,000 $4,533 2.88%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $440,000 $110,000 $1,444 3.66%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $435,000 $435,000 $3,617 6.50%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $430,000 $215,000 $9,648 2.38%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $425,000 $425,000 $8,844 6.75%
    Ukiah, CA (FHA|USDA|VA) 1 $425,000 $425,000 $4,326 3.75%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $415,000 $415,000 $11,319 6.50%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $415,000 $415,000 $0 3.63%
    FRESNO, CA (FHA|USDA|VA) 2 $390,000 $195,000 $0 2.63%
    Centralia, WA (FHA|USDA|VA) 1 $385,000 $385,000 $2,814 3.00%
    VALDOSTA, GA (FHA|USDA|VA) 2 $380,000 $190,000 $13,357 3.50%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $375,000 $375,000 $9,124 5.38%
    Ontario, OR-ID (FHA|USDA|VA) 1 $365,000 $365,000 $7,864 4.13%
    RALEIGH-CARY, NC (FHA|USDA|VA) 1 $365,000 $365,000 $3,542 4.63%
    Riverton, WY (FHA|USDA|VA) 1 $355,000 $355,000 $3,484 5.13%
    FARMINGTON, NM (FHA|USDA|VA) 1 $355,000 $355,000 $4,287 4.88%
    FORT WAYNE, IN (FHA|USDA|VA) 2 $350,000 $175,000 $0 5.13%
    Alexandria, MN (FHA|USDA|VA) 1 $345,000 $345,000 $7,724 6.50%
    Sevierville, TN (FHA|USDA|VA) 1 $345,000 $345,000 $4,302 3.25%
    Elko, NV (FHA|USDA|VA) 1 $335,000 $335,000 $4,545 4.38%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $335,000 $335,000 $16,055 5.13%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $335,000 $335,000 $12,597 6.38%
    WILMINGTON, NC (FHA|USDA|VA) 1 $335,000 $335,000 $3,766 3.63%
    WALLA WALLA, WA (FHA|USDA|VA) 1 $325,000 $325,000 $1,795 4.00%
    Fort Payne, AL (FHA|USDA|VA) 1 $325,000 $325,000 $3,948 5.50%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $315,000 $315,000 $12,708 4.63%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $315,000 $315,000 $6,916 3.50%
    Findlay, OH (FHA|USDA|VA) 1 $315,000 $315,000 $5,633 6.13%
    NEW BERN, NC (FHA|USDA|VA) 1 $295,000 $295,000 $3,356 5.38%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $295,000 $295,000 $8,436 3.88%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $3,736 2.63%
    Ashland, OH (FHA|USDA|VA) 1 $285,000 $285,000 $14,480 4.13%
    Albemarle, NC (FHA|USDA|VA) 1 $285,000 $285,000 $6,708 5.13%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $285,000 $285,000 $3,299 3.99%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $280,000 $140,000 $5,016 5.50%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $275,000 $275,000 $3,998 5.88%
    Show Low, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $8,569 3.25%
    La Grande, OR (FHA|USDA|VA) 1 $275,000 $275,000 $10,782 4.13%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $265,000 $265,000 $7,193 6.00%
    Bartlesville, OK (FHA|USDA|VA) 1 $265,000 $265,000 $16,500 4.88%
    HINESVILLE, GA (FHA|USDA|VA) 1 $265,000 $265,000 $4,101 6.00%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $265,000 $265,000 $4,185 3.13%
    APPLETON, WI (FHA|USDA|VA) 1 $255,000 $255,000 $2,869 6.25%
    LONGVIEW, WA (FHA|USDA|VA) 1 $255,000 $255,000 $4,571 5.63%
    Safford, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.50%
    AMARILLO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $4,169 4.25%
    Cadillac, MI (FHA|USDA|VA) 1 $245,000 $245,000 $3,149 3.88%
    TOPEKA, KS (FHA|USDA|VA) 1 $245,000 $245,000 $3,873 5.88%
    ANCHORAGE, AK (FHA|USDA|VA) 1 $235,000 $235,000 $3,349 5.63%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $235,000 $235,000 $4,371 4.75%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $225,000 $225,000 $6,146 3.38%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $215,000 $215,000 $4,205 3.99%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $215,000 $215,000 $3,485 3.13%
    Evanston, WY (FHA|USDA|VA) 1 $215,000 $215,000 $4,537 5.13%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.63%
    Alamogordo, NM (FHA|USDA|VA) 1 $185,000 $185,000 $6,232 3.50%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $185,000 $185,000 $2,864 5.50%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 2 $180,000 $90,000 $0 6.19%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $175,000 $175,000 $3,357 4.88%
    Taylorville, IL (FHA|USDA|VA) 1 $175,000 $175,000 $4,562 5.88%
    Newport, OR (FHA|USDA|VA) 1 $175,000 $175,000 $7,342 3.25%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $165,000 $165,000 $2,726 2.25%
    Batesville, AR (FHA|USDA|VA) 1 $165,000 $165,000 $4,266 5.25%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $155,000 $155,000 $3,463 5.88%
    Enterprise, AL (FHA|USDA|VA) 1 $155,000 $155,000 $7,736 3.88%
    BRUNSWICK, GA (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.50%
    Big Spring, TX (FHA|USDA|VA) 1 $145,000 $145,000 $9,387 6.13%
    ODESSA, TX (FHA|USDA|VA) 1 $125,000 $125,000 $636 3.00%
    DECATUR, AL (FHA|USDA|VA) 1 $115,000 $115,000 $3,608 3.99%
    Paris, TX (FHA|USDA|VA) 1 $115,000 $115,000 $3,871 7.13%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $105,000 $105,000 $3,113 5.50%
    Wooster, OH (FHA|USDA|VA) 1 $95,000 $95,000 $876 2.50%
    Beaver Dam, WI (FHA|USDA|VA) 1 $95,000 $95,000 $510 2.25%
    Ashtabula, OH (FHA|USDA|VA) 1 $95,000 $95,000 $647 2.50%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $95,000 $95,000 $1,732 2.25%
    DECATUR, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,182 6.13%
    Intercap Lending's top markets include Salt Lake City, Ogden, Provo, St. George, and Heber among others.

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

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    Similarity Rank: 370
    Water and Power Community Credit Union
    Similarity Rank: 371
    Jordan Federal Credit Union
    Similarity Rank: 388
    1ST NORTHERN CALIFORNIA
    Similarity Rank: 429
    State Bank of Southern Utah
    Similarity Rank: 450

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,685 $1,800,885,000 $384,394 $6,411 5.04%
    FHA 897 $329,205,000 $367,007 $13,973 5.13%
    VA 389 $182,425,000 $468,959 $9,958 4.41%
    USDA 28 $7,480,000 $267,143 $8,165 4.39%

    For 2022, Intercap Lending's most frequently originated type of loan was Conventional, with 4,685 originations. Their 2nd most popular type was FHA, with 897 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,663 $1,851,245,000 $397,007 $7,926 5.20%
    Cash Out Refi 926 $325,430,000 $351,436 $6,766 4.40%
    Refi 410 $143,320,000 $349,561 $5,701 4.22%

    For 2022, Intercap Lending's most frequently cited loan purpose was Home Purchase, with 4,663 originations. The 2nd most popular reason was Cash Out Refi, with 926 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,736 $2,234,210,000 $389,507 $7,674 5.03%
    15 Year 212 $75,800,000 $357,547 $5,041 4.34%
    20 Year 26 $7,940,000 $305,385 $5,156 3.92%
    10 Year 22 $870,000 $39,545 $286 7.23%
    Other 3 $1,175,000 $391,667 $4,495 3.88%

    For 2022, Intercap Lending's most frequently cited loan duration was 30 Year, with 5,736 originations. The 2nd most popular length was 15 Year, with 212 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,690 $724,410,000 $428,645
    $5k+ 1,617 $744,335,000 $460,318
    $<1k 577 $75,175,000 $130,286
    $3k-4k 527 $194,995,000 $370,009
    $2k-3k 520 $190,810,000 $366,942
    $4k-5k 486 $187,560,000 $385,926

    Intercap Lending's average total fees were $7,674, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,690 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,749 $698,125,000 $399,157
    4-5% 1,434 $609,550,000 $425,070
    3-4% 1,410 $578,870,000 $410,546
    6-7% 800 $295,910,000 $369,888
    7-8% 290 $55,340,000 $190,828
    2.5-3% 151 $66,985,000 $443,609
    Over 8% 94 $2,920,000 $31,064
    <2.5% 71 $12,295,000 $173,169

    During 2022, Intercap Lending's average interest rate for loans was 5.03%, while their most frequently originated rate bucket for loans was 5-6%, with 1,749 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,575 $801,175,000 $311,136 $6,989 4.90%
    $400k-600k 1,869 $896,735,000 $479,794 $8,342 4.95%
    $600k-1MM 610 $424,630,000 $696,115 $8,936 4.85%
    $100,000 or less 470 $12,080,000 $25,702 $1,855 6.49%
    $100k-200k 389 $61,555,000 $158,239 $4,321 4.72%
    $1MM+ 86 $123,820,000 $1,439,767 $13,472 4.31%

    2022 saw Intercap Lending place emphasis on $200k-400k loans with 2,575 originations, totaling $801,175,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,503 $631,345,000 $420,057 $7,994 5.12%
    $75k-100k 1,395 $459,275,000 $329,229 $8,029 5.23%
    $50k-75k 1,302 $362,470,000 $278,395 $6,782 4.88%
    $150k-250k 904 $461,890,000 $510,940 $7,717 4.96%
    $250k+ 476 $318,280,000 $668,655 $9,149 4.97%
    $50k or less 364 $69,830,000 $191,841 $5,502 4.56%

    Intercap Lending lent most frequently to those with incomes in the $100k-150k range, with 1,503 originations. The second most popular income band? $75k-100k, with 1,395 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 808 $322,500,000 $399,134 $6,706 4.78%
    20-30% 657 $267,305,000 $406,857 $6,197 4.61%
    50-60% 588 $205,340,000 $349,218 $12,690 5.37%
    44% 360 $144,500,000 $401,389 $7,628 5.15%
    49% 347 $134,655,000 $388,055 $8,053 5.21%
    43% 341 $136,365,000 $399,897 $7,673 5.14%
    42% 307 $127,735,000 $416,075 $7,331 5.05%
    41% 277 $104,775,000 $378,249 $7,387 5.04%
    48% 271 $101,435,000 $374,299 $8,245 5.19%
    45% 263 $96,425,000 $366,635 $7,175 5.22%
    46% 246 $89,810,000 $365,081 $7,858 5.23%
    47% 244 $85,160,000 $349,016 $8,536 5.32%
    40% 241 $88,795,000 $368,444 $7,057 4.95%
    39% 234 $94,150,000 $402,350 $6,683 5.00%
    <20% 200 $76,940,000 $384,700 $6,240 4.70%
    37% 197 $79,245,000 $402,259 $6,921 5.00%
    38% 195 $76,565,000 $392,641 $6,984 4.85%
    36% 186 $79,070,000 $425,108 $7,057 4.96%
    >60% 17 $5,065,000 $297,941 $15,249 4.93%

    Intercap Lending lent most frequently to those with DTI ratios of 30-36%, with 808 originations. The next most common DTI ratio? 20-30%, with 657 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,096 $1,960,980,000 $384,808 $7,426 5.01%
    Not provided 475 $188,005,000 $395,800 $8,151 5.00%
    Asian 212 $91,250,000 $430,425 $8,512 5.00%
    Black 114 $40,780,000 $357,719 $9,305 4.85%
    American Indian 44 $14,260,000 $324,091 $8,117 5.14%
    Native Hawaiian or Islander 33 $12,585,000 $381,364 $7,884 5.31%
    Asian Indian 8 $5,000,000 $625,000 $9,799 5.43%
    Other Asian 7 $2,905,000 $415,000 $9,415 5.29%
    Chinese 2 $1,120,000 $560,000 $9,727 5.38%
    Japanese 2 $1,040,000 $520,000 $5,065 4.94%
    Filipino 2 $760,000 $380,000 $8,363 5.18%
    Samoan 1 $505,000 $505,000 $8,984 3.88%
    Other Pacific Islander 2 $450,000 $225,000 $8,388 6.31%
    Vietnamese 1 $355,000 $355,000 $0 6.00%

    Approval Rates

    Total approvals of all applications
    98.95%

    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
    66.91%

    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 5,999 $2,319,995,000 $386,730

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,999 $2,319,995,000 $386,730

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 206 $48,920,000 $237,476 $4,661 4.65%
    40-60% 603 $200,675,000 $332,794 $5,631 4.67%
    60-80% 1,679 $719,235,000 $428,371 $7,071 4.77%
    80-100% 2,959 $1,292,915,000 $436,943 $8,293 5.03%
    Over 100% 89 $43,505,000 $488,820 $16,934 4.60%
    Under 20% 449 $11,915,000 $26,537 $1,653 6.59%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    INTERCONTINENTAL CAPITAL GROUP Conventional home mortgage Closing on a mortgage 1 100.0%