INTERCAP LENDING INC. closing costs and rates (2024)
In 2024, INTERCAP LENDING INC. originated 2,681 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $7,382. That ranks #166 nationally by origination volume. For total closing costs among lenders with 500+ originations, INTERCAP LENDING INC. ranks #395. That is $641 above the national median of $6,741. INTERCAP LENDING INC. is most active in Utah with 2,070 originations there.
Purchase Originations
2,681
Ranked #166 nationally
Median Total Costs
$7,382
+9.5% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$3,506
Median Lender Credits
$1,595
Cost Rank (500+ vol.)
#395
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,975 | 6.625% | $6,246 | $3,367 |
| fha | 436 | 6.250% | $15,650 | $5,771 |
| va | 263 | 6.125% | $8,447 | $950 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 2,070 | 6.625% | $7,312 | #4 |
| California | 166 | 6.625% | $8,955 | #163 |
| Colorado | 130 | 6.875% | $4,253 | #92 |
| Arizona | 92 | 6.625% | $7,555 | #105 |
| Texas | 53 | 6.625% | $10,104 | #346 |
| Idaho | 31 | 6.500% | $9,801 | — |
| Nevada | 29 | 6.625% | $7,963 | — |
| Virginia | 15 | 6.125% | $11,154 | — |
| Oklahoma | 13 | 5.875% | $9,570 | — |
| Florida | 11 | 7.125% | $8,377 | — |
| Tennessee | 9 | 6.500% | $10,174 | — |
| New Mexico | 8 | 6.245% | $4,321 | — |
| Washington | 7 | 6.500% | $10,130 | — |
| Wyoming | 7 | 6.875% | $7,777 | — |
| Georgia | 4 | 6.625% | $6,027 | — |
| Indiana | 4 | 6.625% | $5,487 | — |
| North Carolina | 4 | 5.808% | $14,048 | — |
| Oregon | 4 | 6.750% | $5,248 | — |
| Pennsylvania | 4 | 6.812% | $6,908 | — |
| Illinois | 3 | 6.625% | $4,475 | — |
| Nebraska | 3 | 6.375% | $3,449 | — |
| South Carolina | 3 | 7.125% | $4,004 | — |
| Alabama | 2 | 6.558% | $4,330 | — |
| Kansas | 2 | 6.308% | $3,175 | — |
| Montana | 2 | 6.875% | $3,397 | — |
| Arkansas | 1 | 7.000% | $4,826 | — |
| Maryland | 1 | 6.500% | $5,445 | — |
| Minnesota | 1 | 5.500% | $12,677 | — |
| Ohio | 1 | 7.500% | $3,246 | — |
| Rhode Island | 1 | 6.625% | $4,925 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,069 | 6.750% | — | 27 | −$3,313 | |
| 2 | $4,321 | 6.875% | — | 29 | −$3,061 | |
| 3 | $4,435 | 6.933% | — | 20 | −$2,947 | |
| 4 | $5,079 | 6.625% | — | 50 | −$2,303 | |
| 5 | $5,455 | 6.625% | — | 42 | −$1,927 | |
| 6 | $6,440 | 6.625% | — | 748 | −$942 | |
| 7 | $6,527 | 6.500% | — | 114 | −$855 | |
| 8 | $6,783 | 6.875% | — | 22 | −$599 | |
| 9 | $7,074 | 6.625% | — | 30 | −$308 | |
| 10 | $7,191 | 6.750% | — | 22 | −$191 | |
| 11 | $7,699 | 6.625% | — | 213 | +$317 | |
| 12 | $8,046 | 6.625% | — | 374 | +$664 | |
| 13 | $8,082 | 6.625% | — | 24 | +$700 | |
| 14 | $8,121 | 6.500% | — | 28 | +$739 | |
| 15 | $8,254 | 6.500% | — | 238 | +$872 | |
| 16 | $8,661 | 6.625% | — | 125 | +$1,279 | |
| 17 | $8,713 | 6.500% | — | 73 | +$1,331 | |
| 18 | $9,631 | 6.625% | — | 20 | +$2,249 | |
| 19 | $10,747 | 6.375% | — | 63 | +$3,365 | |
| 20 | $10,983 | 6.625% | — | 33 | +$3,601 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.