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INTERCAP LENDING INC.
Independent Mortgage Company|ESPANOLA, NM|Near-National
Loans Originated
3,699
Applications
4,792
Volume
$1 billion
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.248%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,592
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
77.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Report Card
INTERCAP LENDING INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Near-National · 21 metro areas · 31 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$459,831
Average Borrower Income
$151,347
Average Property Value
$591,329
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 2,323 | 62.8% | +0.240% | $3,368 |
FHA Loans | Strong | Exceptional | Acceptable | Exceptional | 1,006 | 27.2% | +0.418% | $4,921 |
VA Loans | Strong | Exceptional | Sound | Exceptional | 276 | 7.5% | -0.280% | $2,750 |
Jumbo Loans | Sound | Strong | Sound | Sound | 87 | 2.4% | +0.224% | $3,097 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Acceptable | Strong | 3,264 | 88.2% | +0.270% | $3,718 |
Refinance | Strong | Strong | Sound | Strong | 435 | 11.8% | +0.129% | $2,906 |
Geographic Coverage
Metro Areas
20
States Served
31
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACOFLGAIDILINKSMDMIMNMTNCNENMNVOHOKORPARISCTNTXUTVAWAWY
Top Metro Areas by Place Specialization Score
1
Salt Lake City, UTMSA
Volume: 1,154Mix: 31.20%
Place Specialization
Exceptional
2
Ogden, UT, UTMSA
Volume: 664Mix: 17.95%
Place Specialization
Exceptional
3
Provo, UTMSA
Volume: 563Mix: 15.22%
Place Specialization
Exceptional
4
St. George, UT, UTMSA
Volume: 149Mix: 4.03%
Place Specialization
Exceptional
5
Logan, UT, UT-IDMSA
Volume: 55Mix: 1.49%
Place Specialization
Strong
6
Flagstaff, AZ, AZMSA
Volume: 38Mix: 1.03%
Place Specialization
Strong
7
San Diego, CAMSA
Volume: 142Mix: 3.84%
Place Specialization
Strong
8
Denver, COMSA
Volume: 96Mix: 2.60%
Place Specialization
Strong
9
Prescott Valley, AZMSA
Volume: 23Mix: 0.62%
Place Specialization
Sound
10
Colorado Springs, CO, COMSA
Volume: 36Mix: 0.97%
Place Specialization
Sound
Showing 10 of 20 metro areas
Top States by Place Specialization Score
1
UTState
Volume: 2,965Mix: 80.16%
Place Specialization
Exceptional
2
COState
Volume: 164Mix: 4.43%
Place Specialization
Strong
3
AZState
Volume: 111Mix: 3.00%
Place Specialization
Strong
4
CAState
Volume: 194Mix: 5.24%
Place Specialization
Sound
5
IDState
Volume: 49Mix: 1.32%
Place Specialization
Sound
6
NVState
Volume: 33Mix: 0.89%
Place Specialization
Sound
7
TXState
Volume: 66Mix: 1.78%
Place Specialization
Sound
8
OKState
Volume: 13Mix: 0.35%
Place Specialization
Sound
9
VAState
Volume: 16Mix: 0.43%
Place Specialization
Acceptable
10
NMState
Volume: 10Mix: 0.27%
Place Specialization
Acceptable
Showing 10 of 11 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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