Lender profile · HMDA 2023–2025
Intercap Lending Inc. mortgage approval rates & lending data
Intercap Lending Inc. decided 12,042 mortgage applications and funded 11,206 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 9,679 / 9,793 | 95% | $425K | 9,150 |
| Cash-out refinance | 96% | 471 / 490 | 94% | $375K | 441 |
| Refinance | 98% | 822 / 836 | 95% | $435K | 778 |
| Investment property purchase | 98% | 686 / 701 | 93% | $355K | 639 |
| Investment cash-out refinance | 97% | 106 / 109 | 93% | $315K | 99 |
| Investment refinance | 99% | 108 / 109 | 92% | $415K | 99 |
Intercap Lending Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 99% | $425K | 9,334 | 8,727 |
| California | 99% | $705K | 725 | 672 |
| Colorado | 97% | $415K | 652 | 583 |
| Arizona | 97% | $395K | 425 | 392 |
| Texas | 95% | $275K | 209 | 185 |
| Idaho | 97% | $375K | 133 | 123 |
| Nevada | 99% | $355K | 129 | 120 |
| Washington | 99% | $405K | 93 | 88 |
| Florida | 90% | $345K | 79 | 68 |
| North Carolina | 100% | $505K | 38 | 36 |
| Virginia | 100% | $375K | 36 | 36 |
| New Mexico | 100% | $365K | 25 | 25 |
| Oregon | 100% | $365K | 17 | 15 |
| Oklahoma | 100% | $295K | 15 | 15 |
| Tennessee | 93% | $285K | 15 | 13 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.