# INTERCAP LENDING INC.

> **Canonical URL:** https://saferate.com/lenders/intercap-lending


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


INTERCAP LENDING INC. is a independent mortgage company, headquartered in ESPANOLA, NM, serving borrowers across 31 states, with 3,699 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 70% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300S5FVOSK5DQJN30
- **Headquarters:** ESPANOLA, NM
- **Geographic Reach:** Near-National
- **States Served:** 31
- **State List:** AL, AR, AZ, CA, CO, FL, GA, ID, IL, IN, KS, MD, MI, MN, MT, NC, NE, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WY
- **Markets (MSAs):** 21
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.248%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,592
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 3,699
- **Dollar Volume:** $1.7 billion
- **Applications Received:** 4,792
- **Market Share:** 10.00%

## Typical Borrower Profile

- **Average Loan Amount:** $459,831
- **Average Borrower Income:** $151,347
- **Average Property Value:** $591,329

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (69%)
- ⭐ **VA Gold Superstar** (76%)
- ⭐ **Purchase Gold Superstar** (62%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 2,323 | +0.240% | $3,368 | Exceptional 🤩 |
| FHA | 84/100 | 1,006 | +0.418% | $4,921 | Exceptional 🤩 |
| VA | 80/100 | 276 | -0.280% | $2,750 | Exceptional 🤩 |
| Jumbo | 79/100 | 87 | +0.224% | $3,097 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,976 loans, Score: 82/100 (Exceptional)
- Refinance: 347 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 935 loans, Score: 85/100 (Exceptional)
- Refinance: 71 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 265 loans, Score: 80/100 (Exceptional)

**Jumbo:**
- Purchase: 81 loans, Score: 80/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 84/100 | 3,264 | $1.5B | +0.270% | Exceptional 🤩 |
| Refinance | 77/100 | 435 | $178M | +0.129% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 2,965 | 6.59% | 100/100 |
| CA | 194 | 0.07% | 60/100 |
| CO | 164 | 0.20% | 65/100 |
| AZ | 111 | 0.11% | 60/100 |
| TX | 66 | 0.02% | 48/100 |
| ID | 49 | 0.18% | 54/100 |
| NV | 33 | 0.08% | 51/100 |
| VA | 16 | 0.01% | 39/100 |
| OK | 13 | 0.03% | 40/100 |
| FL | 11 | 0.00% | 32/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Salt Lake City | UT | 1,154 | 100/100 |
| Ogden, UT | UT | 664 | 100/100 |
| Provo | UT | 563 | 93/100 |
| Non |  | 435 | 68/100 |
| St. George, UT | UT | 149 | 86/100 |
| San Diego | CA | 142 | 68/100 |
| Denver | CO | 96 | 62/100 |
| Logan, UT | UT-ID | 55 | 73/100 |
| Phoenix | AZ | 43 | 51/100 |
| Flagstaff, AZ | AZ | 38 | 70/100 |
| Colorado Springs, CO | CO | 36 | 54/100 |
| Las Vegas | NV | 29 | 50/100 |
| Dallas | TX | 25 | 45/100 |
| Prescott Valley | AZ | 23 | 55/100 |
| Boise City, ID | ID | 19 | 46/100 |

## Where This Lender Ranks

INTERCAP LENDING INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Ogden, UT for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥉 **#3** in Provo for VA Loans
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Provo for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in St. George, UT for VA Loans
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/va-loans)
- 🥉 **#3** in St. George, UT for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Logan, UT for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Salt Lake City for VA Loans
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/va-loans)
- 🏆 **#4** in Salt Lake City for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#4** in Ogden, UT for Jumbo Loans
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Provo for FHA Loans
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Provo for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/provo/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in St. George, UT for FHA Loans
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in St. George, UT for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/st-george-ut/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Logan, UT for VA Loans
  - [View Full Rankings](https://saferate.com/logan-ut/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Utah for VA Loans
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Utah for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/utah/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Salt Lake City Mortgage Companies
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Salt Lake City for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in Salt Lake City for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salt-lake-city/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#5** in Ogden, UT for VA Loans
  - [View Full Rankings](https://saferate.com/ogden-ut/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does INTERCAP LENDING INC. offer?

INTERCAP LENDING INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does INTERCAP LENDING INC. offer mortgages?

INTERCAP LENDING INC. offers mortgages in 31 states: AL, AR, AZ, CA, CO, FL, GA, ID, IL, IN, KS, MD, MI, MN, MT, NC, NE, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WY.

### How competitive are INTERCAP LENDING INC.'s mortgage rates?

INTERCAP LENDING INC. has a pricing score of 30/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.248% above market average.

### What type of lender is INTERCAP LENDING INC.?

INTERCAP LENDING INC. is a non-depository lender that specializes in mortgage origination, headquartered in ESPANOLA, NM.

### What is INTERCAP LENDING INC.'s loan approval success rate?

INTERCAP LENDING INC. has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/intercap-lending

### How to Cite

> "INTERCAP LENDING INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/intercap-lending

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