Lender in Utah · HMDA 2025
Intercap Lending Inc. mortgages in Utah
Intercap Lending Inc.'s 2025 home-purchase and refinance lending in Utah, compared with all lenders in the state.
Intercap Lending Inc. originated 2,992 owner-occupied single-family loans in Utah from 3,181 completed applications, making it the state's #4 lender by volume.
Its median conventional purchase loan costs were $6,460 versus $6,400 for all Utah lenders, at a median 30-year fixed rate of 6.625% (Utah: 6.50%).
Loans in UT
2,992
of 3,181 applications
Denial rate
0.5%
Purchase · UT 6.5%
Rate spread
+0.21 pts
Conv. · UT +0.05 pts
Loan amount
$435,000
Purchase · UT $435,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,501 | 2,368 | 0.5% | 6.625% | +0.21 pts | $6,460 | $435,000 |
| Refinance | 471 | 434 | 1.5% | 6.375% | +0.00 pts | $4,650 | $445,000 |
| Cash-out refinance | 209 | 190 | 2.9% | 6.875% | +0.29 pts | $5,660 | $365,000 |
*Conventional loans only; medians with at least 20 loans.
Utah counties where Intercap Lending Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Morgan County | 1 | 30 | 12.9% |
| Tooele County | 2 | 113 | 6.1% |
| Sevier County | 2 | 37 | 11.8% |
| Beaver County | 2 | 15 | 15.5% |
| Piute County | 2 | 4 | 23.5% |
| Salt Lake County | 3 | 1,002 | 6.8% |
| Davis County | 3 | 341 | 6.6% |
| Weber County | 3 | 308 | 6.4% |
| Box Elder County | 3 | 119 | 10.1% |
| Millard County | 4 | 11 | 7.1% |
| Utah County | 5 | 606 | 5.1% |
| Washington County | 5 | 188 | 5.0% |
| Iron County | 5 | 69 | 6.1% |
| Summit County | 6 | 22 | 3.4% |
| Sanpete County | 6 | 15 | 3.5% |
| Wasatch County | 7 | 25 | 3.5% |
| Juab County | 7 | 7 | 3.5% |
| Carbon County | 8 | 9 | 2.7% |
| Rich County | 9 | 2 | 4.4% |
| Emery County | 10 | 3 | 2.9% |
| Uintah County | 11 | 8 | 1.6% |
| Wayne County | 11 | 1 | 4.2% |
| Cache County | 12 | 48 | 2.5% |
| Duchesne County | 12 | 5 | 2.3% |
| Garfield County | 15 | 1 | 1.5% |
| Kane County | 21 | 2 | 1.8% |
| San Juan County | 23 | 1 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology