Lenders › Intercap Lending Inc › Utah
Intercap Lending Inc in Utah
HMDA record for properties in Utah, calendar year 2024. National record · Utah overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Utah, Intercap Lending Inc reported 4,905 applications and 3,735 originations for 2024, $1.4bn in all.
Its denial rate in the state was 1.1%, below the Utah rate of 20.5% across all lenders and compared with the lender's national rate of 1.3%.
The median rate spread on its Utah originations was 0.4 percentage points (state median 0.4).
Applications in the state were up 5% on 2023.
Compared with the state and the lender's national record
| Measure | In Utah | Utah, all lenders | Intercap Lending Inc, all states | United States |
|---|---|---|---|---|
| Denial rate | 1.1% | 20.5% | 1.3% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.7% | 14.2% | 2.1% | 15.6% |
| Average originated loan | $388k | $343k | $402k | $329k |
| Home purchase share | 88.2% | 49.0% | 88.1% | 57.0% |
| FHA-insured share | 24.1% | 14.1% | 22.3% | 13.4% |
| VA-guaranteed share | 5.7% | 4.7% | 6.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateUtah, all lenders
Loan purpose and loan type in Utah
By purpose
Home purchase 88% (3,293)Refinancing 7% (257)Cash-out refinancing 5% (185)
By type
Conventional 70% (2,616)FHA 24% (901)VA 6% (213)USDA 0% (5)
Denial reasons as coded
Share of 43 denials in Utah by first denial reason coded (outlined bar: all lenders in the state).
Counties in Utah
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 1,690 | 1,259 | $527m | 1.0% |
| Utah County | 929 | 697 | $278m | 1.2% |
| Weber County | 577 | 463 | $151m | 0.8% |
| Davis County | 445 | 340 | $134m | 0.3% |
| Washington County | 247 | 198 | $82m | 1.9% |
| Tooele County | 205 | 159 | $55m | 1.2% |
| Box Elder County | 188 | 142 | $46m | 0.6% |
| Iron County | 96 | 81 | $26m | 1.2% |
| Cache County | 79 | 59 | $22m | 1.6% |
| Sevier County | 77 | 56 | $14m | 0.0% |
| Uintah County | 55 | 51 | $10.0m | 0.0% |
| Summit County | 68 | 44 | $35m | 0.0% |
| Wasatch County | 47 | 31 | $24m | 0.0% |
| Morgan County | 35 | 28 | $13m | 0.0% |
| Duchesne County | 35 | 28 | $4.6m | 0.0% |
| Sanpete County | 28 | 23 | $5.8m | — |
| Millard County | 25 | 19 | $4.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Intercap Lending Inc originate in Utah in 2024?
3,735 loans totalling $1.4bn, from 4,905 applications reported for properties in Utah.
What is Intercap Lending Inc's denial rate in Utah?
1.1% of decided applications in Utah were denied, against 20.5% for all lenders in the state and 1.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Utah counties does Intercap Lending Inc lend in most?
By originations: Salt Lake County (1,259), Utah County (697), Weber County (463), Davis County (340), Washington County (198).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Utah. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.