What loan types does Intercap Lending offer?

Intercap Lending offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does Intercap Lending offer mortgages?

Intercap Lending 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's mortgage rates?

Intercap Lending has an overall pricing score of 29.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Intercap Lending?

Intercap Lending is a Independent Mortgage Company headquartered in ESPANOLA, NM.

Unclaimed

Intercap Lending

Independent Mortgage Company•Espanola, NMHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Intercap Lending — 3.7k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo

Place

Strong

4/5

Near-National · 20 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

Purchase

Superstar

Refinance

Superstar

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

Explore another lender or local market

Report Card

Intercap Lending performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+24.8 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 21 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	2,323	62.8%	+0.240%Above	$3,368Fees
FHA Loans	Strong	Exceptional	Acceptable	Exceptional	1,006	27.2%	+0.418%Above	$4,921Fees
VA Loans	Strong	Exceptional	Sound	Exceptional	276	7.5%	-0.280%Below	$2,750Fees
Jumbo Loans	Sound	Strong	Sound	Sound	87	2.4%	+0.224%Above	$3,097Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume2,323

Mix62.8%

Spread

+0.240%Above

Fees

$3,368Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

Volume1,006

Mix27.2%

Spread

+0.418%Above

Fees

$4,921Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Exceptional

Volume276

Mix7.5%

Spread

-0.280%Below

Fees

$2,750Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume87

Mix2.4%

Spread

+0.224%Above

Fees

$3,097Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	3,264	88.2%	+0.270%Above	$3,718Fees
Refinance	Strong	Strong	Sound	Strong	435	11.8%	+0.129%Above	$2,906Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume3,264

Mix88.2%

Spread

+0.270%Above

Fees

$3,718Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume435

Mix11.8%

Spread

+0.129%Above

Fees

$2,906Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,699

Applications

4,792

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.248%

vs. market APOR

Avg Net Fees

$3,592

Origination − Credits

Pullthrough Rate

77.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$459,831

Avg Borrower Income

$151,347

Avg Property Value

$591,329

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast2

PARI

Midwest7

ILINKSMIMNNEOH

South11

ALARFLGAMDNCOKSCTNTXVA

West11

AZCACOIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Garrett from Salt Lake City · CC BY 2.0

Salt Lake City, UTMetro

Volume 1,154Mix 31.20% of portfolio

100/100

Exceptional

2© Ntsimp · Public domain

Ogden, UTMetro

Volume 664Mix 17.95% of portfolio

100/100

Exceptional

3© Benjam63 · CC BY-SA 4.0

Provo, UTMetro

Volume 563Mix 15.22% of portfolio

93/100

Exceptional

4© Jrozwado · CC BY-SA 4.0

St. George, UTMetro

Volume 149Mix 4.03% of portfolio

86/100

Exceptional

Logan, UT, UT-IDMetro

Volume 55Mix 1.49% of portfolio

73/100

Strong

Flagstaff, AZMetro

Volume 38Mix 1.03% of portfolio

70/100

Strong

San Diego, CAMetro

Volume 142Mix 3.84% of portfolio

68/100

Strong

Denver, COMetro

Volume 96Mix 2.60% of portfolio

62/100

Strong

Prescott Valley, AZMetro

Volume 23Mix 0.62% of portfolio

55/100

Sound

Colorado Springs, COMetro

Volume 36Mix 0.97% of portfolio

54/100

Sound

Showing 10 of 20 metro areas

Top States by Place Specialization Score

UtahState

Volume 2,965Mix 80.16% of portfolio

100/100

Exceptional

ColoradoState

Volume 164Mix 4.43% of portfolio

65/100

Strong

ArizonaState

Volume 111Mix 3.00% of portfolio

60/100

Strong

CaliforniaState

Volume 194Mix 5.24% of portfolio

60/100

Sound

IdahoState

Volume 49Mix 1.32% of portfolio

54/100

Sound

NevadaState

Volume 33Mix 0.89% of portfolio

51/100

Sound

TexasState

Volume 66Mix 1.78% of portfolio

48/100

Sound

OklahomaState

Volume 13Mix 0.35% of portfolio

40/100

Sound

VirginiaState

Volume 16Mix 0.43% of portfolio

39/100

Acceptable

New MexicoState

Volume 10Mix 0.27% of portfolio

38/100

Acceptable

Showing 10 of 11 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.