Intercap Lending Inc Mortgage Lending & HMDA Data, 2025
In 2025, Intercap Lending Inc of Salt Lake City, UT reported 5,987 mortgage applications totaling $2.5 billion, down 2% from 2024. The average application was for $425,472, and applicants reported an average income of $161,824. 75% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Salt Lake City, UT (1,742), Ogden-Clearfield, UT (1,045) and Provo-Orem, UT (1,036) (applications in parentheses).
| Mortgage Company & Address | Intercap Lending Inc 910 East 6600 South Salt Lake City, UT 84121 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 5,987 |
| Total Mortgage Loan Application Amount | $2,547,305,000 |
| Average Mortgage Loan Application Amount | $425,472 |
| Highest Mortgage Loan Application Amount | $2,825,000 |
| Average Applicant Income | $161,824 |
| Highest Applicant Income | $2,485,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Intercap Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Salt Lake City, UT | 1,742 | $ 770,540,000 | $ 442,330 | $ 158,000 |
| Ogden-Clearfield, UT | 1,045 | $ 423,435,000 | $ 405,200 | $ 140,000 |
| Provo-Orem, UT | 1,036 | $ 429,210,000 | $ 414,295 | $ 156,000 |
| Outside any metro area | 760 | $ 277,820,000 | $ 365,552 | $ 145,857 |
| St. George, UT | 331 | $ 131,495,000 | $ 397,265 | $ 180,000 |
| San Diego-Carlsbad, CA | 215 | $ 140,045,000 | $ 651,372 | $ 242,000 |
| Logan, UT-ID | 89 | $ 33,935,000 | $ 381,292 | $ 161,056 |
| Flagstaff, AZ | 80 | $ 42,710,000 | $ 533,875 | $ 294,000 |
| Boise City, ID | 72 | $ 26,520,000 | $ 368,333 | $ 143,000 |
| Spokane-Spokane Valley, WA | 64 | $ 25,510,000 | $ 398,593 | $ 162,000 |
| Las Vegas-Henderson-Paradise, NV | 58 | $ 19,520,000 | $ 336,551 | $ 137,000 |
| Phoenix-Mesa-Scottsdale, AZ | 56 | $ 22,320,000 | $ 398,571 | $ 173,000 |
| Riverside-San Bernardino-Ontario, CA | 34 | $ 15,040,000 | $ 442,352 | $ 175,000 |
| Prescott Valley-Prescott, AZ | 32 | $ 18,110,000 | $ 565,937 | $ 278,000 |
| Denver-Aurora-Lakewood, CO | 31 | $ 13,325,000 | $ 429,838 | $ 146,000 |
| Raleigh, NC | 28 | $ 13,840,000 | $ 494,285 | $ 175,000 |
| Idaho Falls, ID | 21 | $ 10,105,000 | $ 481,190 | $ 215,000 |
| Oakland-Hayward-Berkeley, CA | 17 | $ 11,565,000 | $ 680,294 | $ 214,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 13 | $ 6,885,000 | $ 529,615 | $ 206,615 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 12 | $ 4,990,000 | $ 415,833 | $ 108,000 |
| Albuquerque, NM | 11 | $ 4,545,000 | $ 413,181 | $ 157,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 7,135,000 | $ 648,636 | $ 268,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 10 | $ 6,530,000 | $ 653,000 | $ 265,000 |
| Tacoma-Lakewood, WA | 10 | $ 5,540,000 | $ 554,000 | $ 308,000 |
| Houston-The Woodlands-Sugar Land, TX | 9 | $ 3,205,000 | $ 356,111 | $ 141,000 |
| Oklahoma City, OK | 9 | $ 2,725,000 | $ 302,777 | $ 136,000 |
| Boulder, CO | 8 | $ 4,190,000 | $ 523,750 | $ 203,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 5,175,000 | $ 739,285 | $ 266,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 4,930,000 | $ 821,666 | $ 343,000 |
| Colorado Springs, CO | 6 | $ 2,970,000 | $ 495,000 | $ 144,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 2,155,000 | $ 431,000 | $ 149,000 |
| Pocatello, ID | 5 | $ 1,105,000 | $ 221,000 | $ 88,000 |
| Port St. Lucie, FL | 5 | $ 1,295,000 | $ 259,000 | $ 141,000 |
| Dallas-Plano-Irving, TX | 4 | $ 1,710,000 | $ 427,500 | $ 205,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,880,000 | $ 470,000 | $ 254,000 |
| Austin-Round Rock, TX | 3 | $ 1,125,000 | $ 375,000 | $ 155,000 |
| Bend-Redmond, OR | 3 | $ 2,335,000 | $ 778,333 | $ 350,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 1,075,000 | $ 358,333 | $ 130,000 |
| Grand Junction, CO | 3 | $ 1,075,000 | $ 358,333 | $ 143,000 |
| Lakeland-Winter Haven, FL | 3 | $ 695,000 | $ 231,666 | $ 140,000 |
| Rocky Mount, NC | 3 | $ 1,345,000 | $ 448,333 | $ 293,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 3,285,000 | $ 1,095,000 | $ 305,000 |
| Santa Rosa, CA | 3 | $ 1,425,000 | $ 475,000 | $ 264,000 |
| Tucson, AZ | 3 | $ 515,000 | $ 171,666 | $ 141,000 |
| Appleton, WI | 2 | $ 340,000 | $ 170,000 | $ 95,000 |
| Asheville, NC | 2 | $ 850,000 | $ 425,000 | $ 172,000 |
| Beaumont-Port Arthur, TX | 2 | $ 200,000 | $ 100,000 | $ 179,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 1,110,000 | $ 555,000 | $ 138,000 |
| Cheyenne, WY | 2 | $ 510,000 | $ 255,000 | $ 170,000 |
| Chicago-Naperville, IL | 2 | $ 980,000 | $ 490,000 | $ 142,000 |
| Coeur D'Alene, ID | 2 | $ 790,000 | $ 395,000 | $ 118,000 |
| Columbus, OH | 2 | $ 740,000 | $ 370,000 | $ 72,000 |
| El Paso, TX | 2 | $ 610,000 | $ 305,000 | $ 122,000 |
| Farmington, NM | 2 | $ 380,000 | $ 190,000 | $ 74,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 760,000 | $ 380,000 | $ 100,000 |
| Fort Worth-Arlington, TX | 2 | $ 1,060,000 | $ 530,000 | $ 203,000 |
| Greeley, CO | 2 | $ 1,040,000 | $ 520,000 | $ 241,000 |
| Green Bay, WI | 2 | $ 770,000 | $ 385,000 | $ 142,000 |
| Knoxville, TN | 2 | $ 920,000 | $ 460,000 | $ 238,000 |
| Memphis, TN-MS-AR | 2 | $ 220,000 | $ 110,000 | $ 46,000 |
| Olympia-Tumwater, WA | 2 | $ 320,000 | $ 160,000 | $ 107,000 |
| Punta Gorda, FL | 2 | $ 450,000 | $ 225,000 | $ 55,000 |
| Reno, NV | 2 | $ 760,000 | $ 380,000 | $ 187,000 |
| Salinas, CA | 2 | $ 1,480,000 | $ 740,000 | $ 206,000 |
| San Antonio-New Braunfels, TX | 2 | $ 1,220,000 | $ 610,000 | $ 275,000 |
| Tampa, FL | 2 | $ 1,340,000 | $ 670,000 | $ 188,000 |
| Wenatchee, WA | 2 | $ 1,030,000 | $ 515,000 | $ 88,000 |
| Yuma, AZ | 2 | $ 690,000 | $ 345,000 | $ 126,000 |
| Abilene, TX | 1 | $ 405,000 | $ 405,000 | $ 86,000 |
| Anchorage, AK | 1 | $ 505,000 | $ 505,000 | $ 131,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 385,000 | $ 385,000 | $ 205,000 |
| Beckley, WV | 1 | $ 115,000 | $ 115,000 | $ 415,000 |
| Bellingham, WA | 1 | $ 505,000 | $ 505,000 | $ 134,000 |
| Billings, MT | 1 | $ 215,000 | $ 215,000 | $ 144,000 |
| Bremerton-Silverdale, WA | 1 | $ 375,000 | $ 375,000 | $ 181,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 475,000 | $ 475,000 | $ 175,000 |
| Chattanooga, TN-GA | 1 | $ 315,000 | $ 315,000 | $ 79,000 |
| Cincinnati, OH-KY-IN | 1 | $ 735,000 | $ 735,000 | $ 321,000 |
| Corpus Christi, TX | 1 | $ 265,000 | $ 265,000 | $ 379,000 |
| Corvallis, OR | 1 | $ 485,000 | $ 485,000 | $ 98,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 375,000 | $ 375,000 | $ 113,000 |
| Dalton, GA | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 525,000 | $ 525,000 | $ 95,000 |
| Des Moines-West Des Moines, IA | 1 | $ 465,000 | $ 465,000 | $ 667,000 |
| Durham-Chapel Hill, NC | 1 | $ 945,000 | $ 945,000 | $ 349,000 |
| El Centro, CA | 1 | $ 535,000 | $ 535,000 | $ 110,000 |
| Eugene, OR | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Everett, WA | 1 | $ 255,000 | $ 255,000 | $ 156,000 |
| Fond Du Lac, WI | 1 | $ 205,000 | $ 205,000 | $ 101,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 235,000 | $ 235,000 | $ 69,000 |
| Fort Wayne, IN | 1 | $ 405,000 | $ 405,000 | $ 156,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 205,000 | $ 205,000 | $ 151,000 |
| Great Falls, MT | 1 | $ 265,000 | $ 265,000 | $ 48,000 |
| Huntsville, AL | 1 | $ 295,000 | $ 295,000 | $ 64,000 |
| Jacksonville, FL | 1 | $ 425,000 | $ 425,000 | $ 225,000 |
| Kennewick-Richland, WA | 1 | $ 445,000 | $ 445,000 | $ 123,000 |
| Killeen-Temple, TX | 1 | $ 405,000 | $ 405,000 | $ 168,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 485,000 | $ 485,000 | $ 124,000 |
| Lansing-East Lansing, MI | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Lawton, OK | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Lubbock, TX | 1 | $ 185,000 | $ 185,000 | $ 122,000 |
| Marietta, GA | 1 | $ 805,000 | $ 805,000 | $ 176,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 445,000 | $ 445,000 | $ 198,000 |
| Medford, OR | 1 | $ 525,000 | $ 525,000 | $ 305,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 335,000 | $ 335,000 | $ 80,000 |
| Montgomery, AL | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 155,000 | $ 155,000 | $ 32,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 505,000 | $ 505,000 | $ 267,000 |
| New Orleans-Metairie, LA | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 505,000 | $ 505,000 | $ 485,000 |
| Ocala, FL | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 225,000 | $ 225,000 | $ 128,000 |
| Peoria, IL | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Portland-South Portland, ME | 1 | $ 805,000 | $ 805,000 | $ 233,000 |
| Providence-Warwick, RI-MA | 1 | $ 475,000 | $ 475,000 | $ 91,000 |
| Salem, OR | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| San Rafael, CA | 1 | $ 345,000 | $ 345,000 | $ 393,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 455,000 | $ 455,000 | $ 96,000 |
| Savannah, GA | 1 | $ 285,000 | $ 285,000 | $ 126,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 245,000 | $ 245,000 | $ 159,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 315,000 | $ 315,000 | $ 106,000 |
| Stockton-Lodi, CA | 1 | $ 415,000 | $ 415,000 | $ 145,000 |
| Terre Haute, IN | 1 | $ 165,000 | $ 165,000 | $ 201,000 |
| Tulsa, OK | 1 | $ 315,000 | $ 315,000 | $ 108,000 |
| Urban Honolulu, HI | 1 | $ 795,000 | $ 795,000 | $ 868,000 |
| Valdosta, GA | 1 | $ 195,000 | $ 195,000 | $ 59,000 |
| Vallejo-Fairfield, CA | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 625,000 | $ 625,000 | $ 130,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 355,000 | $ 355,000 | $ 171,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 365,000 | $ 365,000 | $ 266,000 |
| Wichita, KS | 1 | $ 145,000 | $ 145,000 | $ 0 |
Mortgage Loan Application Detail Totals for Intercap Lending Inc in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 4,605 | $1,880,905,000 | $408,000 | $2,805,000 | $156,000 | $2,485,000 |
| Refinancing | 929 | $487,325,000 | $524,000 | $2,825,000 | $195,000 | $2,146,000 |
| Cash-out Refinancing | 453 | $179,075,000 | $395,000 | $1,555,000 | $153,000 | $774,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,098 | $1,807,040,000 | $440,000 | $2,825,000 | $169,000 | $2,485,000 |
| Hispanic | 1,088 | $366,480,000 | $336,000 | $2,805,000 | $120,000 | $1,541,000 |
| Not Provided | 455 | $212,845,000 | $467,000 | $1,875,000 | $173,000 | $991,000 |
| Asian | 225 | $112,885,000 | $501,000 | $2,605,000 | $204,000 | $1,506,000 |
| Black or African American | 70 | $28,440,000 | $406,000 | $1,125,000 | $157,000 | $525,000 |
| Native Hawaiian or Other Pacific Islander | 29 | $11,155,000 | $384,000 | $795,000 | $141,000 | $868,000 |
| American Indian or Alaskan Native | 22 | $8,460,000 | $384,000 | $945,000 | $137,000 | $548,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,339 | $1,833,515,000 | $422,000 | $2,825,000 | $178,000 | $2,485,000 |
| FHA-insured (Federal Housing Administration) | 1,271 | $522,905,000 | $411,000 | $1,125,000 | $110,000 | $1,403,000 |
| VA-guaranteed (Veterans Administration) | 361 | $185,435,000 | $513,000 | $1,555,000 | $134,000 | $513,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $5,450,000 | $340,000 | $545,000 | $94,000 | $126,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 4,500 | $1,902,050,000 | $422,000 | $2,185,000 | $160,000 | $1,800,000 |
| Application Withdrawn By Applicant | 1,057 | $455,185,000 | $430,000 | $2,825,000 | $165,000 | $2,146,000 |
| Application Approved But Not Accepted | 267 | $116,485,000 | $436,000 | $2,705,000 | $168,000 | $2,485,000 |
| File Closed For Incompleteness | 118 | $56,440,000 | $478,000 | $2,105,000 | $172,000 | $788,000 |
| Application Denied By Financial Institution | 45 | $17,145,000 | $381,000 | $805,000 | $155,000 | $474,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 5,942 | $2,530,160,000 | $425,000 | $2,825,000 | $161,000 | $2,485,000 |
| Collateral | 13 | $3,855,000 | $296,000 | $515,000 | $200,000 | $457,000 |
| Credit History | 13 | $5,565,000 | $428,000 | $685,000 | $156,000 | $474,000 |
| Debt-To-Income Ratio | 13 | $4,975,000 | $382,000 | $805,000 | $111,000 | $199,000 |
| Unverifiable Information | 3 | $1,095,000 | $365,000 | $655,000 | $167,000 | $178,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,250,000 | $625,000 | $805,000 | $147,000 | $190,000 |
| Mortgage Insurance Denied | 1 | $405,000 | $405,000 | $405,000 | $63,000 | $63,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Intercap Lending Inc's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Intercap Lending Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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