Intercap Lending Inc.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023

Intercap Lending Inc. 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

Mortgage Company & Address Intercap Lending Inc.
11781 S. Lone Peak Parkway, Suite 200
Espanola, NM 84020
Tel #: available with data download
Federal Regulator * available with data download
Years 2023  2022  2021  2020  2019  2018  2017  2016  
Total Number of Mortgage Applications 6,225
Total Mortgage Loan Application Amount $2,417,655,000
Average Mortgage Loan Application Amount $377,250
Highest Mortgage Loan Application Amount $4,005,000
Average Applicant Income $136,500
Highest Applicant Income $2,840,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Intercap Lending Inc.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Intercap Lending Inc.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2023 breaks down Intercap Lending Inc.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Intercap Lending Inc. serves its applicants.

Each category highlights the total number of mortgage applications processed by Intercap Lending Inc., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Intercap Lending Inc.'s mortgage activity for 2023.

Mortgage Loan Application Totals for Intercap Lending Inc. by Metropolitan Area in 2023

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 1,779 $ 694,845,000 $ 390,000 $ 142,000
OGDEN-CLEARFIELD, UT 1,135 $ 407,865,000 $ 359,000 $ 121,000
PROVO-OREM, UT 870 $ 357,950,000 $ 411,000 $ 139,000
NA (OUTSIDE OF MSA/MD) 688 $ 227,460,000 $ 316,000 $ 140,380
DENVER-AURORA-LAKEWOOD, CO 271 $ 114,225,000 $ 421,000 $ 156,000
ST. GEORGE, UT 234 $ 89,730,000 $ 383,000 $ 168,000
COLORADO SPRINGS, CO 180 $ 69,890,000 $ 388,000 $ 124,000
SAN DIEGO-CARLSBAD, CA 179 $ 121,325,000 $ 677,000 $ 213,000
PHOENIX-MESA-SCOTTSDALE, AZ 114 $ 43,690,000 $ 383,000 $ 143,000
LOGAN, UT-ID 95 $ 31,725,000 $ 303,000 $ 100,500
DALLAS-PLANO-IRVING, TX 73 $ 22,425,000 $ 307,000 $ 121,000
PUEBLO, CO 65 $ 13,275,000 $ 204,000 $ 84,000
LAS VEGAS-HENDERSON-PARADISE, NV 49 $ 18,605,000 $ 379,000 $ 133,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 33 $ 15,545,000 $ 471,000 $ 164,000
BOULDER, CO 31 $ 15,375,000 $ 495,000 $ 296,000
ORLANDO-KISSIMMEE-SANFORD, FL 29 $ 10,995,000 $ 379,000 $ 104,000
IDAHO FALLS, ID 28 $ 8,090,000 $ 288,000 $ 81,000
OAKLAND-HAYWARD-BERKELEY, CA 22 $ 14,580,000 $ 662,000 $ 239,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 17 $ 13,535,000 $ 796,000 $ 224,000
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 17 $ 5,905,000 $ 374,000 $ 102,000
GREELEY, CO 15 $ 4,735,000 $ 315,000 $ 116,000
FLAGSTAFF, AZ 14 $ 9,400,000 $ 671,000 $ 314,000
FORT COLLINS, CO 13 $ 4,965,000 $ 381,000 $ 175,000
ANAHEIM-SANTA ANA-IRVINE, CA 10 $ 7,860,000 $ 786,000 $ 270,000
FORT WORTH-ARLINGTON, TX 10 $ 2,610,000 $ 261,000 $ 100,000
EL PASO, TX 9 $ 2,845,000 $ 316,000 $ 102,000
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 9 $ 2,375,000 $ 263,000 $ 114,000
AUSTIN-ROUND ROCK, TX 8 $ 5,240,000 $ 655,000 $ 216,000
VALLEJO-FAIRFIELD, CA 8 $ 3,630,000 $ 453,000 $ 153,000
SAN ANTONIO-NEW BRAUNFELS, TX 7 $ 1,975,000 $ 282,000 $ 109,000
OCALA, FL 6 $ 1,840,000 $ 306,000 $ 105,000
POCATELLO, ID 6 $ 1,990,000 $ 331,000 $ 128,000
PRESCOTT VALLEY-PRESCOTT, AZ 6 $ 2,460,000 $ 410,000 $ 153,000
SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA 6 $ 2,910,000 $ 485,000 $ 184,000
SPOKANE-SPOKANE VALLEY, WA 6 $ 2,440,000 $ 406,000 $ 229,000
LAKE HAVASU CITY-KINGMAN, AZ 5 $ 1,595,000 $ 319,000 $ 127,000
LAKELAND-WINTER HAVEN, FL 5 $ 1,675,000 $ 335,000 $ 99,000
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 5 $ 1,805,000 $ 361,000 $ 179,000
STOCKTON-LODI, CA 5 $ 2,195,000 $ 439,000 $ 138,000
BOISE CITY, ID 4 $ 2,970,000 $ 742,000 $ 190,000
EL CENTRO, CA 4 $ 360,000 $ 90,000 $ 40,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 4 $ 1,190,000 $ 297,000 $ 89,000
TUCSON, AZ 4 $ 1,250,000 $ 312,000 $ 312,000
WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL 4 $ 1,490,000 $ 372,000 $ 296,000
BAKERSFIELD, CA 3 $ 995,000 $ 331,000 $ 212,000
CHARLOTTE-CONCORD-GASTONIA, NC-SC 3 $ 1,705,000 $ 568,000 $ 199,000
CHEYENNE, WY 3 $ 1,395,000 $ 465,000 $ 1,439,000
CORPUS CHRISTI, TX 3 $ 455,000 $ 151,000 $ 79,000
GRAND JUNCTION, CO 3 $ 885,000 $ 295,000 $ 181,000
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 3 $ 1,165,000 $ 388,000 $ 154,000
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 3 $ 1,465,000 $ 488,000 $ 143,000
SOUTH BEND-MISHAWAKA, IN-MI 3 $ 735,000 $ 287,500 $ 143,000
TULSA, OK 3 $ 1,125,000 $ 375,000 $ 319,000
WARREN-TROY-FARMINGTON HILLS, MI 3 $ 1,125,000 $ 375,000 $ 129,000
WICHITA, KS 3 $ 645,000 $ 215,000 $ 78,000
ALBUQUERQUE, NM 2 $ 900,000 $ 450,000 $ 194,000
ANNISTON-OXFORD-JACKSONVILLE, AL 2 $ 280,000 $ 140,000 $ 45,000
CAPE CORAL-FORT MYERS, FL 2 $ 930,000 $ 465,000 $ 173,000
CHICAGO-NAPERVILLE, IL 2 $ 570,000 $ 285,000 $ 94,000
COEUR D'ALENE, ID 2 $ 1,160,000 $ 580,000 $ 142,000
DOTHAN, AL 2 $ 340,000 $ 170,000 $ 73,000
EUGENE, OR 2 $ 790,000 $ 395,000 $ 115,000
HOMOSASSA SPRINGS, FL 2 $ 720,000 $ 360,000 $ 150,000
LAS CRUCES, NM 2 $ 470,000 $ 235,000 $ 166,000
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR 2 $ 230,000 $ 115,000 $ 350,000
MIAMI-MIAMI BEACH-KENDALL, FL 2 $ 300,000 $ 150,000 $ 81,000
NEW YORK-NEWARK, NY 2 $ 620,000 $ 310,000 $ 99,000
NORTH PORT-SARASOTA-BRADENTON, FL 2 $ 680,000 $ 340,000 $ 244,000
OKLAHOMA CITY, OK 2 $ 320,000 $ 160,000 $ 324,000
PENSACOLA-FERRY PASS-BRENT, FL 2 $ 440,000 $ 220,000 $ 95,000
PITTSBURGH, PA 2 $ 400,000 $ 200,000 $ 123,000
RALEIGH, NC 2 $ 740,000 $ 370,000 $ 90,000
SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA 2 $ 1,770,000 $ 885,000 $ 198,000
SAVANNAH, GA 2 $ 440,000 $ 220,000 $ 125,000
SCRANTON--WILKES-BARRE--HAZLETON, PA 2 $ 610,000 $ 305,000 $ 75,000
SHERMAN-DENISON, TX 2 $ 900,000 $ 450,000 $ 145,000
SPARTANBURG, SC 2 $ 530,000 $ 265,000 $ 108,000
TWIN FALLS, ID 2 $ 670,000 $ 335,000 $ 110,000
WARNER ROBINS, GA 2 $ 150,000 $ 75,000 $ 45,000
ANCHORAGE, AK 1 $ 535,000 $ 535,000 $ 142,000
ATLANTA-SANDY SPRINGS-ROSWELL, GA 1 $ 265,000 $ 265,000 $ 0
BEND-REDMOND, OR 1 $ 665,000 $ 665,000 $ 193,000
BIRMINGHAM-HOOVER, AL 1 $ 185,000 $ 185,000 $ 53,000
CHARLESTON-NORTH CHARLESTON, SC 1 $ 725,000 $ 725,000 $ 307,000
CHARLOTTESVILLE, VA 1 $ 615,000 $ 615,000 $ 247,000
CHATTANOOGA, TN-GA 1 $ 175,000 $ 175,000 $ 119,000
CINCINNATI, OH-KY-IN 1 $ 205,000 $ 205,000 $ 115,000
CLARKSVILLE, TN-KY 1 $ 245,000 $ 245,000 $ 58,000
COLLEGE STATION-BRYAN, TX 1 $ 275,000 $ 275,000 $ 130,000
CORVALLIS, OR 1 $ 435,000 $ 435,000 $ 186,000
DAYTON-SPRINGFIELD-KETTERING, OH 1 $ 245,000 $ 245,000 $ 52,000
DECATUR, AL 1 $ 185,000 $ 185,000 $ 90,000
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 1 $ 335,000 $ 335,000 $ 0
DES MOINES-WEST DES MOINES, IA 1 $ 305,000 $ 305,000 $ 450,000
ELIZABETHTOWN-FORT KNOX, KY 1 $ 135,000 $ 135,000 $ 158,000
ERIE, PA 1 $ 235,000 $ 235,000 $ 126,000
FARMINGTON, NM 1 $ 185,000 $ 185,000 $ 100,000
FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO 1 $ 425,000 $ 425,000 $ 636,000
FLINT, MI 1 $ 285,000 $ 285,000 $ 65,000
FORT WAYNE, IN 1 $ 245,000 $ 245,000 $ 78,000
FRESNO, CA 1 $ 255,000 $ 255,000 $ 67,000
GRANTS PASS, OR 1 $ 345,000 $ 345,000 $ 107,000
GREENVILLE-ANDERSON-MAULDIN, SC 1 $ 265,000 $ 265,000 $ 149,000
HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC 1 $ 365,000 $ 365,000 $ 96,000
HOT SPRINGS, AR 1 $ 155,000 $ 155,000 $ 46,000
HUNTSVILLE, AL 1 $ 235,000 $ 235,000 $ 128,000
INDIANAPOLIS-CARMEL-ANDERSON, IN 1 $ 295,000 $ 295,000 $ 130,000
JACKSONVILLE, FL 1 $ 175,000 $ 175,000 $ 152,000
KENNEWICK-RICHLAND, WA 1 $ 205,000 $ 205,000 $ 2,407,000
KILLEEN-TEMPLE, TX 1 $ 225,000 $ 225,000 $ 64,000
KNOXVILLE, TN 1 $ 405,000 $ 405,000 $ 86,000
LEXINGTON-FAYETTE, KY 1 $ 355,000 $ 355,000 $ 140,000
LIMA, OH 1 $ 265,000 $ 265,000 $ 69,000
LINCOLN, NE 1 $ 185,000 $ 185,000 $ 275,000
LONGVIEW, WA 1 $ 425,000 $ 425,000 $ 76,000
LOUISVILLE/JEFFERSON COUNTY, KY-IN 1 $ 335,000 $ 335,000 $ 61,000
MANSFIELD, OH 1 $ 165,000 $ 165,000 $ 924,000
MCALLEN-EDINBURG-MISSION, TX 1 $ 315,000 $ 315,000 $ 116,000
MOBILE, AL 1 $ 115,000 $ 115,000 $ 297,000
OXNARD-THOUSAND OAKS-VENTURA, CA 1 $ 495,000 $ 495,000 $ 119,000
PANAMA CITY, FL 1 $ 575,000 $ 575,000 $ 745,000
PORT ST. LUCIE, FL 1 $ 365,000 $ 365,000 $ 109,000
RENO, NV 1 $ 495,000 $ 495,000 $ 90,000
SAGINAW, MI 1 $ 415,000 $ 415,000 $ 74,000
SAN ANGELO, TX 1 $ 265,000 $ 265,000 $ 113,000
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 1 $ 1,335,000 $ 1,335,000 $ 374,000
SAN RAFAEL, CA 1 $ 715,000 $ 715,000 $ 382,000
SANTA CRUZ-WATSONVILLE, CA 1 $ 725,000 $ 725,000 $ 208,000
SANTA FE, NM 1 $ 315,000 $ 315,000 $ 133,000
SANTA ROSA, CA 1 $ 865,000 $ 865,000 $ 385,000
SEATTLE-BELLEVUE-EVERETT, WA 1 $ 685,000 $ 685,000 $ 201,000
SPRINGFIELD, IL 1 $ 295,000 $ 295,000 $ 90,000
TOPEKA, KS 1 $ 185,000 $ 185,000 $ 38,000
VALDOSTA, GA 1 $ 275,000 $ 275,000 $ 74,000
VISALIA-PORTERVILLE, CA 1 $ 925,000 $ 925,000 $ 180,000
WACO, TX 1 $ 205,000 $ 205,000 $ 141,000
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 1 $ 295,000 $ 295,000 $ 218,000
WAUSAU, WI 1 $ 115,000 $ 115,000 $ 27,000
WHEELING, WV-OH 1 $ 65,000 $ 65,000 $ 64,000
WILMINGTON, NC 1 $ 355,000 $ 355,000 $ 152,000
WINSTON-SALEM, NC 1 $ 205,000 $ 205,000 $ 62,000

Mortgage Loan Application Detail Totals for Intercap Lending Inc. in 2023

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 5,587 $2,174,235,000 $389,000 $1,995,000 $142,000 $2,840,000
Cash-out Refinancing 411 $143,765,000 $349,000 $3,005,000 $148,000 $2,407,000
Refinancing 219 $97,025,000 $443,000 $4,005,000 $153,000 $896,000
Home Improvement 8 $2,630,000 $328,000 $665,000 $103,000 $176,000
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 4,129 $1,658,525,000 $401,000 $4,005,000 $149,000 $2,763,000
Hispanic 1,215 $388,505,000 $319,000 $1,805,000 $111,000 $2,840,000
Not Provided 406 $180,600,000 $444,000 $1,995,000 $170,000 $1,439,000
Asian 208 $92,590,000 $445,000 $1,765,000 $168,000 $777,000
Black or African American 142 $48,130,000 $338,000 $815,000 $122,000 $850,000
Native Hawaiian or Other Pacific Islander 51 $15,305,000 $300,000 $675,000 $116,000 $636,000
American Indian or Alaskan Native 32 $12,020,000 $375,000 $845,000 $131,000 $369,000
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) 4,326 $1,623,060,000 $375,000 $4,005,000 $157,000 $2,840,000
FHA-insured (Federal Housing Administration) 1,441 $563,555,000 $391,000 $1,005,000 $104,000 $750,000
VA-guaranteed (Veterans Administration) 442 $226,080,000 $511,000 $1,805,000 $127,000 $588,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $4,960,000 $310,000 $405,000 $85,000 $106,000

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 4,487 $1,737,395,000 $387,000 $1,995,000 $144,000 $2,840,000
Application Withdrawn By Applicant 1,311 $523,385,000 $399,000 $4,005,000 $143,000 $2,407,000
Application Approved But Not Accepted 301 $113,435,000 $376,000 $1,785,000 $135,000 $998,000
Application Denied By Financial Institution 108 $33,440,000 $309,000 $995,000 $109,000 $666,000
File Closed For Incompleteness 18 $10,000,000 $555,000 $1,105,000 $185,000 $402,000
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 6,117 $2,384,215,000 $389,000 $4,005,000 $143,000 $2,840,000
Debt-To-Income Ratio 36 $12,180,000 $338,000 $755,000 $79,000 $146,000
Collateral 22 $5,390,000 $245,000 $525,000 $144,000 $666,000
Credit History 15 $4,145,000 $276,000 $725,000 $110,000 $280,000
Unverifiable Information 11 $4,135,000 $375,000 $675,000 $120,000 $240,000
Insufficient Cash (Downpayment, Closing Cost) 11 $3,765,000 $342,000 $995,000 $104,000 $281,000
Employment History 8 $2,580,000 $322,000 $725,000 $143,000 $515,000
Other 5 $1,245,000 $249,000 $495,000 $96,000 $109,000
Mortgage Insurance Denied 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 2023 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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