Intercap Lending Inc Mortgage Lending & HMDA Data, 2024
In 2024, Intercap Lending Inc of Salt Lake City, UT reported 6,123 mortgage applications totaling $2.5 billion, down 2% from 2023. The average application was for $410,020, and applicants reported an average income of $157,153. 76% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Salt Lake City, UT (1,895), Ogden-Clearfield, UT (1,057) and Provo-Orem, UT (942) (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 | 6,123 |
| Total Mortgage Loan Application Amount | $2,510,555,000 |
| Average Mortgage Loan Application Amount | $410,020 |
| Highest Mortgage Loan Application Amount | $4,405,000 |
| Average Applicant Income | $157,153 |
| Highest Applicant Income | $4,574,000 |
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Act (HMDA) records Intercap Lending Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,895 | $ 792,665,000 | $ 418,292 | $ 152,000 |
| Ogden-Clearfield, UT | 1,057 | $ 385,045,000 | $ 364,280 | $ 132,000 |
| Provo-Orem, UT | 942 | $ 383,700,000 | $ 407,324 | $ 148,000 |
| Outside any metro area | 779 | $ 278,965,000 | $ 358,106 | $ 148,679 |
| St. George, UT | 247 | $ 101,435,000 | $ 410,668 | $ 208,000 |
| San Diego-Carlsbad, CA | 221 | $ 166,165,000 | $ 751,877 | $ 269,000 |
| Denver-Aurora-Lakewood, CO | 130 | $ 63,280,000 | $ 486,769 | $ 168,000 |
| Phoenix-Mesa-Scottsdale, AZ | 84 | $ 33,050,000 | $ 393,452 | $ 205,000 |
| Logan, UT-ID | 82 | $ 30,120,000 | $ 367,317 | $ 114,390 |
| Flagstaff, AZ | 65 | $ 34,705,000 | $ 533,923 | $ 272,000 |
| Colorado Springs, CO | 62 | $ 23,810,000 | $ 384,032 | $ 152,000 |
| Dallas-Plano-Irving, TX | 54 | $ 16,670,000 | $ 308,703 | $ 141,000 |
| Las Vegas-Henderson-Paradise, NV | 50 | $ 18,220,000 | $ 364,400 | $ 124,000 |
| Boise City, ID | 36 | $ 13,330,000 | $ 370,277 | $ 140,000 |
| Prescott Valley-Prescott, AZ | 32 | $ 12,450,000 | $ 389,062 | $ 177,000 |
| Fort Worth-Arlington, TX | 23 | $ 5,565,000 | $ 241,956 | $ 103,000 |
| Riverside-San Bernardino-Ontario, CA | 23 | $ 10,415,000 | $ 452,826 | $ 175,000 |
| Idaho Falls, ID | 19 | $ 7,685,000 | $ 404,473 | $ 157,000 |
| Boulder, CO | 18 | $ 10,420,000 | $ 578,888 | $ 209,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 6,985,000 | $ 410,882 | $ 118,000 |
| Albuquerque, NM | 15 | $ 5,035,000 | $ 335,666 | $ 236,000 |
| Anaheim-Santa Ana-Irvine, CA | 14 | $ 7,570,000 | $ 540,714 | $ 248,000 |
| Oklahoma City, OK | 14 | $ 4,230,000 | $ 302,142 | $ 119,000 |
| Oakland-Hayward-Berkeley, CA | 13 | $ 8,175,000 | $ 628,846 | $ 221,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 6,185,000 | $ 562,272 | $ 198,000 |
| Austin-Round Rock, TX | 10 | $ 4,630,000 | $ 463,000 | $ 144,000 |
| Pueblo, CO | 10 | $ 2,350,000 | $ 235,000 | $ 229,000 |
| San Antonio-New Braunfels, TX | 8 | $ 2,690,000 | $ 336,250 | $ 154,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 1,690,000 | $ 281,666 | $ 144,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 2,800,000 | $ 466,666 | $ 230,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 6 | $ 1,950,000 | $ 325,000 | $ 129,000 |
| Abilene, TX | 5 | $ 1,715,000 | $ 343,000 | $ 112,000 |
| Cleveland, OH | 5 | $ 845,000 | $ 169,000 | $ 293,000 |
| Knoxville, TN | 5 | $ 1,285,000 | $ 257,000 | $ 109,000 |
| San Francisco-Redwood City-South San Francisco, CA | 5 | $ 5,445,000 | $ 1,089,000 | $ 381,000 |
| Spokane-Spokane Valley, WA | 5 | $ 1,965,000 | $ 393,000 | $ 358,000 |
| Tucson, AZ | 5 | $ 905,000 | $ 181,000 | $ 186,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 1,250,000 | $ 312,500 | $ 167,000 |
| Greeley, CO | 4 | $ 1,390,000 | $ 347,500 | $ 100,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 1,220,000 | $ 305,000 | $ 129,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 1,300,000 | $ 325,000 | $ 74,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,990,000 | $ 497,500 | $ 236,000 |
| Santa Rosa, CA | 4 | $ 2,770,000 | $ 692,500 | $ 302,000 |
| Vallejo-Fairfield, CA | 4 | $ 990,000 | $ 247,500 | $ 136,000 |
| Arlington-Alexandria-Reston, VA-WV | 3 | $ 2,075,000 | $ 691,666 | $ 226,000 |
| Bozeman, MT | 3 | $ 1,405,000 | $ 468,333 | $ 235,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 735,000 | $ 245,000 | $ 159,000 |
| Fort Collins, CO | 3 | $ 1,215,000 | $ 405,000 | $ 139,000 |
| Lubbock, TX | 3 | $ 1,075,000 | $ 358,333 | $ 204,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,465,000 | $ 488,333 | $ 113,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 985,000 | $ 328,333 | $ 158,000 |
| Pittsburgh, PA | 3 | $ 545,000 | $ 181,666 | $ 98,000 |
| Akron, OH | 2 | $ 490,000 | $ 245,000 | $ 170,000 |
| Anniston-Oxford-Jacksonville, AL | 2 | $ 880,000 | $ 440,000 | $ 240,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 840,000 | $ 420,000 | $ 266,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 570,000 | $ 285,000 | $ 79,000 |
| Bloomington, IN | 2 | $ 800,000 | $ 400,000 | $ 162,000 |
| Charleston-North Charleston, SC | 2 | $ 690,000 | $ 345,000 | $ 160,000 |
| Chicago-Naperville, IL | 2 | $ 390,000 | $ 195,000 | $ 198,000 |
| Coeur D'Alene, ID | 2 | $ 490,000 | $ 245,000 | $ 151,000 |
| Fort Wayne, IN | 2 | $ 610,000 | $ 305,000 | $ 148,000 |
| Killeen-Temple, TX | 2 | $ 530,000 | $ 265,000 | $ 98,000 |
| Lakeland-Winter Haven, FL | 2 | $ 640,000 | $ 320,000 | $ 123,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 510,000 | $ 255,000 | $ 105,000 |
| Marietta, GA | 2 | $ 800,000 | $ 400,000 | $ 100,000 |
| Memphis, TN-MS-AR | 2 | $ 940,000 | $ 470,000 | $ 200,000 |
| Modesto, CA | 2 | $ 500,000 | $ 250,000 | $ 103,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 1,120,000 | $ 560,000 | $ 320,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,470,000 | $ 735,000 | $ 248,000 |
| Pocatello, ID | 2 | $ 1,000,000 | $ 500,000 | $ 90,000 |
| Raleigh, NC | 2 | $ 1,020,000 | $ 510,000 | $ 187,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 700,000 | $ 350,000 | $ 80,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 1,310,000 | $ 655,000 | $ 268,000 |
| Sherman-Denison, TX | 2 | $ 550,000 | $ 275,000 | $ 97,000 |
| Traverse City, MI | 2 | $ 1,150,000 | $ 575,000 | $ 208,000 |
| Bakersfield, CA | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Bellingham, WA | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 435,000 | $ 435,000 | $ 81,000 |
| Birmingham-Hoover, AL | 1 | $ 365,000 | $ 365,000 | $ 206,000 |
| Brownsville-Harlingen, TX | 1 | $ 385,000 | $ 385,000 | $ 139,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 455,000 | $ 455,000 | $ 165,000 |
| Champaign-Urbana, IL | 1 | $ 525,000 | $ 525,000 | $ 1,400,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 395,000 | $ 395,000 | $ 153,000 |
| Clarksville, TN-KY | 1 | $ 345,000 | $ 345,000 | $ 101,000 |
| Columbus, GA-AL | 1 | $ 275,000 | $ 275,000 | $ 91,000 |
| Dalton, GA | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 155,000 | $ 155,000 | $ 0 |
| El Centro, CA | 1 | $ 415,000 | $ 415,000 | $ 230,000 |
| Evansville, IN-KY | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Everett, WA | 1 | $ 945,000 | $ 945,000 | $ 245,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 325,000 | $ 325,000 | $ 146,000 |
| Huntsville, AL | 1 | $ 225,000 | $ 225,000 | $ 889,000 |
| Jacksonville, NC | 1 | $ 455,000 | $ 455,000 | $ 93,000 |
| Joplin, MO | 1 | $ 105,000 | $ 105,000 | $ 798,000 |
| Kankakee, IL | 1 | $ 235,000 | $ 235,000 | $ 126,000 |
| Kansas City, MO-KS | 1 | $ 635,000 | $ 635,000 | $ 350,000 |
| Las Cruces, NM | 1 | $ 245,000 | $ 245,000 | $ 81,000 |
| Lincoln, NE | 1 | $ 425,000 | $ 425,000 | $ 233,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 225,000 | $ 225,000 | $ 132,000 |
| Monroe, LA | 1 | $ 385,000 | $ 385,000 | $ 249,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 755,000 | $ 755,000 | $ 359,000 |
| Montgomery, AL | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Ocala, FL | 1 | $ 215,000 | $ 215,000 | $ 868,000 |
| Philadelphia, PA | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Providence-Warwick, RI-MA | 1 | $ 575,000 | $ 575,000 | $ 125,000 |
| Reno, NV | 1 | $ 1,495,000 | $ 1,495,000 | $ 808,000 |
| Salem, OR | 1 | $ 255,000 | $ 255,000 | $ 172,000 |
| Salinas, CA | 1 | $ 715,000 | $ 715,000 | $ 228,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 755,000 | $ 755,000 | $ 192,000 |
| Savannah, GA | 1 | $ 245,000 | $ 245,000 | $ 249,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 115,000 | $ 115,000 | $ 159,000 |
| St. Cloud, MN | 1 | $ 315,000 | $ 315,000 | $ 68,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 565,000 | $ 565,000 | $ 190,000 |
| Stockton-Lodi, CA | 1 | $ 285,000 | $ 285,000 | $ 187,000 |
| Tacoma-Lakewood, WA | 1 | $ 745,000 | $ 745,000 | $ 212,000 |
| Tampa, FL | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Topeka, KS | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Visalia-Porterville, CA | 1 | $ 155,000 | $ 155,000 | $ 155,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 235,000 | $ 235,000 | $ 97,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 135,000 | $ 135,000 | $ 163,000 |
| York-Hanover, PA | 1 | $ 335,000 | $ 335,000 | $ 209,000 |
Mortgage Loan Application Detail Totals for Intercap Lending Inc in 2024
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 | 5,268 | $2,154,510,000 | $408,000 | $4,405,000 | $156,000 | $3,257,000 |
| Refinancing | 470 | $218,000,000 | $463,000 | $2,505,000 | $170,000 | $4,574,000 |
| Cash-out Refinancing | 380 | $136,680,000 | $359,000 | $1,145,000 | $158,000 | $2,561,000 |
| Home Improvement | 5 | $1,365,000 | $273,000 | $465,000 | $101,000 | $165,000 |
| 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 | 4,037 | $1,738,895,000 | $430,000 | $2,935,000 | $167,000 | $4,574,000 |
| Hispanic | 1,245 | $400,445,000 | $321,000 | $4,405,000 | $114,000 | $1,228,000 |
| Not Provided | 433 | $191,955,000 | $443,000 | $2,325,000 | $173,000 | $1,554,000 |
| Asian | 240 | $116,160,000 | $484,000 | $1,645,000 | $192,000 | $951,000 |
| Black or African American | 103 | $36,985,000 | $359,000 | $965,000 | $133,000 | $850,000 |
| Native Hawaiian or Other Pacific Islander | 36 | $13,160,000 | $365,000 | $675,000 | $172,000 | $916,000 |
| American Indian or Alaskan Native | 29 | $12,955,000 | $446,000 | $1,785,000 | $160,000 | $1,213,000 |
| 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) | 4,372 | $1,752,630,000 | $400,000 | $4,405,000 | $174,000 | $4,574,000 |
| FHA-insured (Federal Housing Administration) | 1,344 | $550,590,000 | $409,000 | $1,005,000 | $109,000 | $1,329,000 |
| VA-guaranteed (Veterans Administration) | 398 | $204,470,000 | $513,000 | $1,805,000 | $131,000 | $668,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $2,865,000 | $318,000 | $435,000 | $92,000 | $110,000 |
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 | 4,646 | $1,870,000,000 | $402,000 | $2,935,000 | $155,000 | $4,574,000 |
| Application Withdrawn By Applicant | 1,101 | $470,385,000 | $427,000 | $4,405,000 | $160,000 | $2,144,000 |
| Application Approved But Not Accepted | 262 | $114,530,000 | $437,000 | $1,785,000 | $173,000 | $2,150,000 |
| Application Denied By Financial Institution | 66 | $22,640,000 | $343,000 | $2,175,000 | $119,000 | $737,000 |
| File Closed For Incompleteness | 48 | $33,000,000 | $687,000 | $2,505,000 | $249,000 | $1,498,000 |
| 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 | 6,057 | $2,487,915,000 | $410,000 | $4,405,000 | $158,000 | $4,574,000 |
| Debt-To-Income Ratio | 25 | $9,985,000 | $399,000 | $2,175,000 | $99,000 | $737,000 |
| Credit History | 14 | $4,170,000 | $297,000 | $595,000 | $112,000 | $216,000 |
| Collateral | 11 | $3,025,000 | $275,000 | $445,000 | $177,000 | $419,000 |
| Unverifiable Information | 7 | $2,925,000 | $417,000 | $805,000 | $159,000 | $230,000 |
| Employment History | 5 | $1,335,000 | $267,000 | $555,000 | $77,000 | $152,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $735,000 | $245,000 | $385,000 | $81,000 | $161,000 |
| Other | 1 | $465,000 | $465,000 | $465,000 | $96,000 | $96,000 |
| 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 2024 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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