Intercap Lending Inc Mortgage Lending & HMDA Data, 2019
In 2019, Intercap Lending Inc of Salt Lake City, UT reported 7,394 mortgage applications totaling $2.1 billion, up 144% from 2018. The average application was for $277,254, and applicants reported an average income of $102,359. 87% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Salt Lake City, UT (3,115), Ogden-Clearfield, UT (1,459) and Provo-Orem, UT (1,370) (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 | 7,394 |
| Total Mortgage Loan Application Amount | $2,050,020,000 |
| Average Mortgage Loan Application Amount | $277,254 |
| Highest Mortgage Loan Application Amount | $1,925,000 |
| Average Applicant Income | $102,359 |
| Highest Applicant Income | $3,726,000 |
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Act (HMDA) records Intercap Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,115 | $ 909,965,000 | $ 292,123 | $ 107,000 |
| Ogden-Clearfield, UT | 1,459 | $ 359,455,000 | $ 246,370 | $ 86,000 |
| Provo-Orem, UT | 1,370 | $ 387,810,000 | $ 283,072 | $ 99,000 |
| Outside any metro area | 545 | $ 136,915,000 | $ 251,220 | $ 102,433 |
| St. George, UT | 342 | $ 86,500,000 | $ 252,923 | $ 109,000 |
| Phoenix-Mesa-Scottsdale, AZ | 77 | $ 18,825,000 | $ 244,480 | $ 90,000 |
| San Diego-Carlsbad, CA | 74 | $ 34,900,000 | $ 471,621 | $ 207,000 |
| Logan, UT-ID | 59 | $ 12,545,000 | $ 212,627 | $ 81,305 |
| Las Vegas-Henderson-Paradise, NV | 34 | $ 7,510,000 | $ 220,882 | $ 89,000 |
| Riverside-San Bernardino-Ontario, CA | 32 | $ 8,500,000 | $ 265,625 | $ 95,000 |
| Boise City, ID | 27 | $ 7,575,000 | $ 280,555 | $ 75,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 16 | $ 3,210,000 | $ 200,625 | $ 86,000 |
| Los Angeles-Long Beach-Glendale, CA | 13 | $ 5,835,000 | $ 448,846 | $ 161,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 11 | $ 4,755,000 | $ 432,272 | $ 118,000 |
| Albuquerque, NM | 8 | $ 2,070,000 | $ 258,750 | $ 149,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 2,720,000 | $ 340,000 | $ 153,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 8 | $ 2,840,000 | $ 355,000 | $ 163,000 |
| Dallas-Plano-Irving, TX | 7 | $ 2,175,000 | $ 310,714 | $ 120,000 |
| Denver-Aurora-Lakewood, CO | 7 | $ 3,385,000 | $ 483,571 | $ 132,000 |
| Oakland-Hayward-Berkeley, CA | 7 | $ 4,375,000 | $ 625,000 | $ 254,000 |
| Anaheim-Santa Ana-Irvine, CA | 6 | $ 3,780,000 | $ 630,000 | $ 344,000 |
| Columbia, SC | 6 | $ 1,340,000 | $ 223,333 | $ 53,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 685,000 | $ 137,000 | $ 56,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 975,000 | $ 195,000 | $ 69,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,475,000 | $ 295,000 | $ 115,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 1,915,000 | $ 383,000 | $ 240,000 |
| Prescott Valley-Prescott, AZ | 5 | $ 995,000 | $ 199,000 | $ 78,000 |
| Greeley, CO | 4 | $ 1,020,000 | $ 255,000 | $ 64,000 |
| Idaho Falls, ID | 4 | $ 510,000 | $ 127,500 | $ 41,000 |
| Spokane-Spokane Valley, WA | 4 | $ 830,000 | $ 207,500 | $ 74,000 |
| Tacoma-Lakewood, WA | 4 | $ 1,410,000 | $ 352,500 | $ 176,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 945,000 | $ 315,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 685,000 | $ 228,333 | $ 72,000 |
| Chicago-Naperville, IL | 3 | $ 965,000 | $ 321,666 | $ 520,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 995,000 | $ 331,666 | $ 120,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 1,225,000 | $ 408,333 | $ 138,000 |
| Killeen-Temple, TX | 3 | $ 575,000 | $ 191,666 | $ 70,000 |
| Medford, OR | 3 | $ 545,000 | $ 181,666 | $ 114,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 605,000 | $ 201,666 | $ 60,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 925,000 | $ 308,333 | $ 40,000 |
| Salem, OR | 3 | $ 675,000 | $ 225,000 | $ 67,000 |
| Sierra Vista-Douglas, AZ | 3 | $ 535,000 | $ 178,333 | $ 49,000 |
| Tucson, AZ | 3 | $ 805,000 | $ 268,333 | $ 130,000 |
| Twin Falls, ID | 3 | $ 1,085,000 | $ 361,666 | $ 109,000 |
| Albany, OR | 2 | $ 630,000 | $ 315,000 | $ 98,000 |
| Anchorage, AK | 2 | $ 950,000 | $ 475,000 | $ 143,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 370,000 | $ 185,000 | $ 131,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 540,000 | $ 270,000 | $ 78,000 |
| Durham-Chapel Hill, NC | 2 | $ 330,000 | $ 165,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 380,000 | $ 190,000 | $ 37,000 |
| Fresno, CA | 2 | $ 850,000 | $ 425,000 | $ 175,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 850,000 | $ 425,000 | $ 58,000 |
| Jacksonville, FL | 2 | $ 480,000 | $ 240,000 | $ 59,000 |
| Longview, WA | 2 | $ 520,000 | $ 260,000 | $ 77,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 570,000 | $ 285,000 | $ 94,000 |
| Oklahoma City, OK | 2 | $ 300,000 | $ 150,000 | $ 0 |
| Pocatello, ID | 2 | $ 500,000 | $ 250,000 | $ 170,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 590,000 | $ 295,000 | $ 80,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 590,000 | $ 295,000 | $ 119,000 |
| Stockton-Lodi, CA | 2 | $ 760,000 | $ 380,000 | $ 93,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 660,000 | $ 330,000 | $ 77,000 |
| Wenatchee, WA | 2 | $ 490,000 | $ 245,000 | $ 73,000 |
| Austin-Round Rock, TX | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Battle Creek, MI | 1 | $ 185,000 | $ 185,000 | $ 54,000 |
| Carson City, NV | 1 | $ 305,000 | $ 305,000 | $ 121,000 |
| Chico, CA | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Cincinnati, OH-KY-IN | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 255,000 | $ 255,000 | $ 42,000 |
| Colorado Springs, CO | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Dayton-Springfield-Kettering, OH | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Eugene, OR | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Grand Junction, CO | 1 | $ 235,000 | $ 235,000 | $ 82,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 465,000 | $ 465,000 | $ 155,000 |
| Greensboro-High Point, NC | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| Homosassa Springs, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Knoxville, TN | 1 | $ 275,000 | $ 275,000 | $ 61,000 |
| Lakeland-Winter Haven, FL | 1 | $ 135,000 | $ 135,000 | $ 507,000 |
| Lancaster, PA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Las Cruces, NM | 1 | $ 305,000 | $ 305,000 | $ 185,000 |
| Lawton, OK | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Macon-Bibb County, GA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Memphis, TN-MS-AR | 1 | $ 65,000 | $ 65,000 | $ 131,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 275,000 | $ 275,000 | $ 58,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 215,000 | $ 215,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Raleigh, NC | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Richmond, VA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Roanoke, VA | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Salinas, CA | 1 | $ 435,000 | $ 435,000 | $ 75,000 |
| San Antonio-New Braunfels, TX | 1 | $ 415,000 | $ 415,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 605,000 | $ 605,000 | $ 324,000 |
| Santa Fe, NM | 1 | $ 505,000 | $ 505,000 | $ 130,000 |
| Spartanburg, SC | 1 | $ 185,000 | $ 185,000 | $ 117,000 |
| Springfield, OH | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| State College, PA | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 415,000 | $ 415,000 | $ 74,000 |
| The Villages, FL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Victoria, TX | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Waco, TX | 1 | $ 205,000 | $ 205,000 | $ 42,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 315,000 | $ 315,000 | $ 82,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 405,000 | $ 405,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 465,000 | $ 465,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for Intercap Lending Inc in 2019
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 | 4,678 | $1,235,450,000 | $264,000 | $1,925,000 | $95,000 | $3,726,000 |
| Refinancing | 1,729 | $527,035,000 | $304,000 | $1,615,000 | $119,000 | $2,680,000 |
| Cash-out Refinancing | 972 | $283,140,000 | $291,000 | $1,755,000 | $108,000 | $940,000 |
| Home Improvement | 15 | $4,395,000 | $293,000 | $485,000 | $114,000 | $257,000 |
| 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 | 5,759 | $1,622,785,000 | $281,000 | $1,925,000 | $104,000 | $3,726,000 |
| Hispanic | 690 | $166,960,000 | $241,000 | $945,000 | $78,000 | $846,000 |
| Not Provided | 643 | $179,055,000 | $278,000 | $1,755,000 | $111,000 | $2,680,000 |
| Asian | 122 | $35,860,000 | $293,000 | $725,000 | $95,000 | $370,000 |
| Black or African American | 81 | $21,015,000 | $259,000 | $665,000 | $89,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 53 | $15,195,000 | $286,000 | $1,325,000 | $127,000 | $519,000 |
| American Indian or Alaskan Native | 35 | $6,775,000 | $193,000 | $475,000 | $67,000 | $371,000 |
| Not applicable | 1 | $265,000 | $265,000 | $265,000 | $49,000 | $49,000 |
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) | 5,433 | $1,503,115,000 | $276,000 | $1,925,000 | $111,000 | $3,726,000 |
| FHA-insured (Federal Housing Administration) | 1,232 | $324,900,000 | $263,000 | $705,000 | $70,000 | $316,000 |
| VA-guaranteed (Veterans Administration) | 604 | $192,610,000 | $318,000 | $1,145,000 | $85,000 | $353,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 125 | $29,395,000 | $235,000 | $445,000 | $61,000 | $111,000 |
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 | 6,433 | $1,777,435,000 | $276,000 | $1,925,000 | $102,000 | $3,726,000 |
| Application Withdrawn By Applicant | 903 | $255,285,000 | $282,000 | $1,755,000 | $104,000 | $1,156,000 |
| Application Denied By Financial Institution | 55 | $16,235,000 | $295,000 | $1,285,000 | $87,000 | $744,000 |
| Application Approved But Not Accepted | 3 | $1,065,000 | $355,000 | $455,000 | $127,000 | $149,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 7,339 | $2,033,785,000 | $277,000 | $1,925,000 | $102,000 | $3,726,000 |
| Debt-To-Income Ratio | 19 | $5,725,000 | $301,000 | $805,000 | $66,000 | $115,000 |
| Credit History | 18 | $5,060,000 | $281,000 | $455,000 | $89,000 | $161,000 |
| Employment History | 7 | $2,635,000 | $376,000 | $1,285,000 | $159,000 | $744,000 |
| Unverifiable Information | 4 | $640,000 | $160,000 | $285,000 | $74,000 | $117,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $995,000 | $331,000 | $595,000 | $69,000 | $112,000 |
| Collateral | 3 | $785,000 | $261,000 | $325,000 | $71,000 | $117,000 |
| Other | 1 | $395,000 | $395,000 | $395,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Intercap Lending Inc's 2019 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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