Intercap Lending Inc. Mortgage Lending & HMDA Data, 2015

In 2015, Intercap Lending Inc. of Aliso Viejo, CA reported 2,660 mortgage applications totaling $631.8 million, down 28% from 2014. The average application was for $237,528, and applicants reported an average income of $47,821. 27% of its applications resulted in an originated loan and 34% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (217), Riverside-San Bernardino-Ontario, CA (196) and Seattle-Bellevue-Everett, WA (153) (applications in parentheses).

Mortgage Company & Address Intercap Lending Inc.
26970 Aliso Viejo Parkway, Suite 100
Aliso Viejo, CA 92656
Tel #: available with data download
Federal Regulator * available with data download
Years 2015  2014  2013  
Total Number of Mortgage Applications 2,660
Total Mortgage Loan Application Amount $631,825,000
Average Mortgage Loan Application Amount $237,528
Highest Mortgage Loan Application Amount $1,444,000
Average Applicant Income $47,821
Highest Applicant Income $2,141,000

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(HMDA) records Intercap Lending Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Intercap Lending Inc. by Metropolitan Area in 2015

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles-Long Beach-Glendale, CA 217 $ 70,332,000 $ 324,110 $ 48,000
Riverside-San Bernardino-Ontario, CA 196 $ 49,911,000 $ 254,647 $ 48,000
Seattle-Bellevue-Everett, WA 153 $ 39,347,000 $ 257,169 $ 47,000
Anaheim-Santa Ana-Irvine, CA 109 $ 46,523,000 $ 426,816 $ 61,000
Sacramento--Roseville--Arden-Arcade, CA 90 $ 20,916,000 $ 232,400 $ 46,000
Oakland-Hayward-Berkeley, CA 86 $ 27,074,000 $ 314,813 $ 46,000
San Diego-Carlsbad, CA 83 $ 24,593,000 $ 296,301 $ 53,000
Dallas-Plano-Irving, TX 75 $ 11,856,000 $ 158,080 $ 48,000
Houston-The Woodlands-Sugar Land, TX 75 $ 12,571,000 $ 167,613 $ 36,000
Denver-Aurora-Lakewood, CO 71 $ 15,159,000 $ 213,507 $ 49,000
Albuquerque, NM 44 $ 6,613,000 $ 150,295 $ 64,000
Fresno, CA 44 $ 7,259,000 $ 164,977 $ 38,000
San Jose-Sunnyvale-Santa Clara, CA 38 $ 13,809,000 $ 363,394 $ 95,000
Tacoma-Lakewood, WA 37 $ 6,763,000 $ 182,783 $ 22,000
Bakersfield, CA 33 $ 5,633,000 $ 170,696 $ 58,000
Washington-Arlington-Alexandria, DC-VA-MD-WV 32 $ 10,646,000 $ 332,687 $ 25,000
Atlanta-Sandy Springs-Roswell, GA 31 $ 4,518,000 $ 145,741 $ 22,000
Austin-Round Rock, TX 29 $ 4,803,000 $ 165,620 $ 32,000
Modesto, CA 28 $ 4,565,000 $ 163,035 $ 34,000
Stockton-Lodi, CA 28 $ 5,539,000 $ 197,821 $ 46,000
San Antonio-New Braunfels, TX 26 $ 4,265,000 $ 164,038 $ 99,000
Portland-Vancouver-Hillsboro, OR-WA 24 $ 4,806,000 $ 200,250 $ 45,166
San Francisco-Redwood City-South San Francisco, CA 22 $ 9,959,000 $ 452,681 $ 96,000
Vallejo-Fairfield, CA 22 $ 5,285,000 $ 240,227 $ 115,000
Chicago-Naperville-Arlington Heights, IL 19 $ 3,920,000 $ 206,315 $ 83,000
Fort Worth-Arlington, TX 18 $ 2,757,000 $ 153,166 $ 124,000
Oxnard-Thousand Oaks-Ventura, CA 18 $ 6,632,000 $ 368,444 $ 36,000
Chico, CA 16 $ 3,007,000 $ 187,937 $ 50,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 16 $ 3,696,000 $ 231,000 $ 17,000
Greenville-Anderson-Mauldin, SC 16 $ 2,670,000 $ 166,875 $ 25,000
New York-Jersey City-White Plains, NY-NJ 16 $ 3,810,000 $ 238,125 $ 30,000
Santa Rosa, CA 16 $ 4,244,000 $ 265,250 $ 35,000
Visalia-Porterville, CA 16 $ 2,928,000 $ 183,000 $ 32,000
Colorado Springs, CO 14 $ 2,754,000 $ 196,714 $ 69,000
Virginia Beach-Norfolk-Newport News, VA-NC 14 $ 2,361,000 $ 168,642 $ 11,000
El Centro, CA 13 $ 1,915,000 $ 147,307 $ 54,000
Salinas, CA 13 $ 4,061,000 $ 312,384 $ 38,000
Santa Cruz-Watsonville, CA 13 $ 3,898,000 $ 299,846 $ 62,000
Tampa-St. Petersburg-Clearwater, FL 13 $ 1,945,000 $ 149,615 $ 132,000
West Palm Beach-Boca Raton-Delray Beach, FL 13 $ 2,159,000 $ 166,076 $ 53,000
Richmond, VA 12 $ 2,725,000 $ 227,083 $ 13,000
Santa Maria-Santa Barbara, CA 12 $ 3,499,000 $ 291,583 $ 49,000
Indianapolis-Carmel-Anderson, IN 11 $ 835,000 $ 75,909 $ 326,000
Orlando-Kissimmee-Sanford, FL 11 $ 1,718,000 $ 156,181 $ 39,000
Cleveland-Elyria, OH 9 $ 498,000 $ 55,333 $ 198,000
Jacksonville, FL 9 $ 834,000 $ 92,666 $ 67,000
Miami-Miami Beach-Kendall, FL 9 $ 1,436,000 $ 159,555 $ 5,000
Napa, CA 9 $ 2,891,000 $ 321,222 $ 61,000
Bremerton-Silverdale, WA 8 $ 1,583,000 $ 197,875 $ 42,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 8 $ 2,751,000 $ 343,875 $ 17,000
Spokane-Spokane Valley, WA 8 $ 1,234,000 $ 154,250 $ 30,000
Yuba City, CA 8 $ 1,580,000 $ 197,500 $ 7,000
Camden, NJ 7 $ 1,305,000 $ 186,428 $ 34,000
Charleston-North Charleston, SC 7 $ 2,251,000 $ 321,571 $ 30,000
Charlotte-Concord-Gastonia, NC-SC 7 $ 1,457,000 $ 208,142 $ 137,000
Fort Collins, CO 7 $ 1,202,000 $ 171,714 $ 50,000
Hanford-Corcoran, CA 7 $ 1,416,000 $ 202,285 $ 27,000
Longview, WA 7 $ 1,119,000 $ 159,857 $ 60,000
Birmingham-Hoover, AL 6 $ 429,000 $ 71,500 $ 269,000
Deltona-Daytona Beach-Ormond Beach, FL 6 $ 701,000 $ 116,833 $ 410,000
Greeley, CO 6 $ 972,000 $ 162,000 $ 22,000
Madera, CA 6 $ 1,113,000 $ 185,500 $ 46,000
Merced, CA 6 $ 1,046,000 $ 174,333 $ 85,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 6 $ 466,000 $ 77,666 $ 36,000
Ocean City, NJ 6 $ 2,194,000 $ 365,666 $ 1,000
Olympia-Tumwater, WA 6 $ 1,020,000 $ 170,000 $ 61,000
Bellingham, WA 5 $ 860,000 $ 172,000 $ 47,000
Boulder, CO 5 $ 1,263,000 $ 252,600 $ 54,000
Davenport-Moline-Rock Island, IA-IL 5 $ 283,000 $ 56,600 $ 48,000
Grand Junction, CO 5 $ 928,000 $ 185,600 $ 119,000
Mount Vernon-Anacortes, WA 5 $ 887,000 $ 177,400 $ 19,000
Newark, NJ-PA 5 $ 853,000 $ 170,600 $ 26,000
North Port-Sarasota-Bradenton, FL 5 $ 749,000 $ 149,800 $ 15,000
Redding, CA 5 $ 780,000 $ 156,000 $ 41,000
Tyler, TX 5 $ 515,000 $ 103,000 $ 29,000
Baltimore-Columbia-Towson, MD 4 $ 846,000 $ 211,500 $ 1,000
Cape Coral-Fort Myers, FL 4 $ 660,000 $ 165,000 $ 18,000
Corpus Christi, TX 4 $ 756,000 $ 189,000 $ 38,000
Durham-Chapel Hill, NC 4 $ 377,000 $ 94,250 $ 624,000
El Paso, TX 4 $ 658,000 $ 164,500 $ 1,000
Oklahoma City, OK 4 $ 616,000 $ 154,000 $ 41,000
Pensacola-Ferry Pass-Brent, FL 4 $ 669,000 $ 167,250 $ 51,000
Phoenix-Mesa-Scottsdale, AZ 4 $ 624,000 $ 156,000 $ 29,000
Pueblo, CO 4 $ 673,000 $ 168,250 $ 1,000
Raleigh, NC 4 $ 320,000 $ 80,000 $ 536,000
Wenatchee, WA 4 $ 745,000 $ 186,250 $ 23,000
Winston-Salem, NC 4 $ 780,000 $ 195,000 $ 33,000
Detroit-Dearborn-Livonia, MI 3 $ 195,000 $ 65,000 $ 12,000
Las Cruces, NM 3 $ 336,000 $ 112,000 $ 64,000
Longview, TX 3 $ 431,000 $ 143,666 $ 23,000
Memphis, TN-MS-AR 3 $ 353,000 $ 117,666 $ 19,000
Michigan City-La Porte, IN 3 $ 630,000 $ 210,000 $ 30,000
Midland, TX 3 $ 468,000 $ 156,000 $ 79,000
Nashville-Davidson--Murfreesboro--Franklin, TN 3 $ 336,000 $ 112,000 $ 1,000
Odessa, TX 3 $ 333,000 $ 111,000 $ 1,000
San Rafael, CA 3 $ 1,449,000 $ 483,000 $ 99,000
Silver Spring-Frederick-Rockville, MD 3 $ 1,084,000 $ 361,333 $ 99,000
Brownsville-Harlingen, TX 2 $ 231,000 $ 115,500 $ 1,000
California-Lexington Park, MD 2 $ 447,000 $ 223,500 $ 41,000
Cincinnati, OH-KY-IN 2 $ 140,000 $ 70,000 $ 66,000
Dalton, GA 2 $ 191,000 $ 95,500 $ 1,000
Homosassa Springs, FL 2 $ 225,000 $ 112,500 $ 13,000
Kennewick-Richland, WA 2 $ 399,000 $ 199,500 $ 1,000
Lake County-Kenosha County, IL-WI 2 $ 257,000 $ 128,500 $ 15,000
Laredo, TX 2 $ 293,000 $ 146,500 $ 1,000
Lubbock, TX 2 $ 213,000 $ 106,500 $ 13,000
McAllen-Edinburg-Mission, TX 2 $ 423,000 $ 211,500 $ 1,000
Palm Bay-Melbourne-Titusville, FL 2 $ 231,000 $ 115,500 $ 105,000
Port St. Lucie, FL 2 $ 386,000 $ 193,000 $ 16,000
Salem, OR 2 $ 409,000 $ 204,500 $ 40,000
Santa Fe, NM 2 $ 296,000 $ 148,000 $ 33,000
Spartanburg, SC 2 $ 179,000 $ 89,500 $ 1,000
Trenton, NJ 2 $ 377,000 $ 188,500 $ 104,000
Vineland-Bridgeton, NJ 2 $ 202,000 $ 101,000 $ 49,000
Waco, TX 2 $ 279,000 $ 139,500 $ 12,000
Warren-Troy-Farmington Hills, MI 2 $ 343,000 $ 171,500 $ 26,000
Yakima, WA 2 $ 330,000 $ 165,000 $ 1,000
Albany, OR 1 $ 156,000 $ 156,000 $ 1,000
Allentown-Bethlehem-Easton, PA-NJ 1 $ 197,000 $ 197,000 $ 1,000
Amarillo, TX 1 $ 194,000 $ 194,000 $ 79,000
Atlantic City-Hammonton, NJ 1 $ 92,000 $ 92,000 $ 1,000
Baton Rouge, LA 1 $ 174,000 $ 174,000 $ 1,000
Beaumont-Port Arthur, TX 1 $ 280,000 $ 280,000 $ 101,000
Blacksburg-Christiansburg-Radford, VA 1 $ 188,000 $ 188,000 $ 1,000
Boise City, ID 1 $ 109,000 $ 109,000 $ 178,000
Burlington, NC 1 $ 55,000 $ 55,000 $ 1,000
Charlottesville, VA 1 $ 222,000 $ 222,000 $ 1,000
College Station-Bryan, TX 1 $ 141,000 $ 141,000 $ 1,000
Columbia, SC 1 $ 1,000 $ 1,000 $ 1,000
Columbus, OH 1 $ 69,000 $ 69,000 $ 220,000
Crestview-Fort Walton Beach-Destin, FL 1 $ 417,000 $ 417,000 $ 1,000
Daphne-Fairhope-Foley, AL 1 $ 183,000 $ 183,000 $ 1,000
Eugene, OR 1 $ 148,000 $ 148,000 $ 36,000
Flagstaff, AZ 1 $ 91,000 $ 91,000 $ 1,000
Gainesville, FL 1 $ 77,000 $ 77,000 $ 31,000
Gainesville, GA 1 $ 406,000 $ 406,000 $ 1,000
Gary, IN 1 $ 102,000 $ 102,000 $ 1,000
Hagerstown-Martinsburg, MD-WV 1 $ 119,000 $ 119,000 $ 1,000
Harrisonburg, VA 1 $ 86,000 $ 86,000 $ 1,000
Hinesville, GA 1 $ 175,000 $ 175,000 $ 1,000
Jacksonville, NC 1 $ 83,000 $ 83,000 $ 24,000
Kansas City, MO-KS 1 $ 97,000 $ 97,000 $ 25,000
Killeen-Temple, TX 1 $ 241,000 $ 241,000 $ 139,000
Lakeland-Winter Haven, FL 1 $ 134,000 $ 134,000 $ 58,000
Lewiston, ID-WA 1 $ 141,000 $ 141,000 $ 70,000
Lynchburg, VA 1 $ 150,000 $ 150,000 $ 549,000
Naples-Immokalee-Marco Island, FL 1 $ 580,000 $ 580,000 $ 1,000
New Bern, NC 1 $ 122,000 $ 122,000 $ 24,000
Ocala, FL 1 $ 113,000 $ 113,000 $ 78,000
Panama City, FL 1 $ 93,000 $ 93,000 $ 1,000
Salisbury, MD-DE 1 $ 172,000 $ 172,000 $ 1,000
San Angelo, TX 1 $ 217,000 $ 217,000 $ 1,000
Savannah, GA 1 $ 29,000 $ 29,000 $ 1,000
Sherman-Denison, TX 1 $ 138,000 $ 138,000 $ 63,000
Walla Walla, WA 1 $ 250,000 $ 250,000 $ 1,000
Warner Robins, GA 1 $ 76,000 $ 76,000 $ 1,000
Wichita, KS 1 $ 95,000 $ 95,000 $ 1,000
Wilmington, DE-MD-NJ 1 $ 588,000 $ 588,000 $ 1,000

Mortgage Loan Application Detail Totals for Intercap Lending Inc. in 2015

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
Refinancing 2,124 $508,453,000 $239,000 $990,000 $45,000 $2,141,000
Home Purchase 536 $123,372,000 $230,000 $1,444,000 $59,000 $1,496,000
Home Improvement 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 1,524 $350,787,000 $230,000 $1,444,000 $54,000 $2,141,000
Hispanic 505 $120,576,000 $238,000 $790,000 $30,000 $283,000
Black or African American 232 $53,348,000 $229,000 $682,000 $21,000 $209,000
Asian 224 $62,069,000 $277,000 $720,000 $54,000 $317,000
Not Provided 144 $37,713,000 $261,000 $1,002,000 $79,000 $388,000
Native Hawaiian or Other Pacific Islander 26 $6,456,000 $248,000 $734,000 $32,000 $146,000
American Indian or Alaskan Native 5 $876,000 $175,000 $286,000 $1,000 $1,000
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) 1,933 $456,344,000 $236,000 $1,444,000 $57,000 $2,141,000
FHA-insured (Federal Housing Administration) 592 $143,744,000 $242,000 $734,000 $24,000 $248,000
VA-guaranteed (Veterans Administration) 92 $24,332,000 $264,000 $633,000 $26,000 $182,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 43 $7,405,000 $172,000 $408,000 $7,000 $70,000

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
Application Withdrawn By Applicant 1,050 $252,868,000 $240,000 $1,444,000 $26,000 $2,141,000
Application Denied By Financial Institution 902 $213,365,000 $236,000 $863,000 $20,000 $975,000
Loan Originated 708 $165,592,000 $233,000 $1,002,000 $115,000 $1,496,000
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
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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
Debt-To-Income Ratio 439 $114,162,000 $260,000 $863,000 $23,000 $975,000
Credit History 329 $67,546,000 $205,000 $711,000 $15,000 $197,000
Collateral 81 $19,213,000 $237,000 $626,000 $23,000 $265,000
Other 8 $1,647,000 $205,000 $494,000 $19,000 $152,000
Employment History 3 $546,000 $182,000 $310,000 $1,000 $1,000
Unverifiable Information 1 $363,000 $363,000 $363,000 $11,000 $11,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 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 2015 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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