Purchase Originations
2,368
Ranked #192 nationally
Median Total Costs
$7,670
+14.8% vs national ($6,680)
↑ $288 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,813
Median Lender Credits
$1,910
Cost Rank (500+ vol.)
#420
among lenders with 500+ originations
Denial Rate
0.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,748 | 6.625% | $6,592 | $4,015 |
| fha | 395 | 6.250% | $15,069 | $4,920 |
| va | 213 | 6.125% | $7,007 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 1,941 | 6.500% | $7,579 | #4 |
| Arizona | 86 | 6.433% | $7,774 | #111 |
| California | 76 | 6.625% | $11,101 | #222 |
| Washington | 59 | 6.375% | $7,180 | #143 |
| Idaho | 41 | 6.625% | $7,479 | — |
| Nevada | 35 | 6.750% | $6,125 | — |
| North Carolina | 26 | 5.990% | $13,038 | — |
| Colorado | 16 | 6.688% | $5,259 | — |
| Texas | 16 | 6.625% | $8,912 | — |
| Florida | 13 | 6.625% | $6,733 | — |
| New Mexico | 11 | 5.875% | $5,153 | — |
| Wyoming | 11 | 6.625% | $8,996 | — |
| Virginia | 7 | 6.250% | $12,456 | — |
| Michigan | 4 | 6.558% | $12,671 | — |
| Wisconsin | 4 | 6.250% | $4,741 | — |
| Tennessee | 3 | 6.375% | $5,263 | — |
| Georgia | 2 | 6.938% | $6,153 | — |
| Illinois | 2 | 6.688% | $8,116 | — |
| Oklahoma | 2 | 6.438% | $5,814 | — |
| Alaska | 1 | 6.625% | $524 | — |
| Alabama | 1 | 5.375% | $12,694 | — |
| Arkansas | 1 | 6.990% | $5,003 | — |
| Iowa | 1 | 6.990% | $5,836 | — |
| Indiana | 1 | 5.990% | $12,510 | — |
| Maryland | 1 | 5.990% | $5,243 | — |
| Maine | 1 | 6.625% | $5,973 | — |
| Montana | 1 | 6.750% | $7,137 | — |
| New Hampshire | 1 | 6.625% | $3,953 | — |
| New Jersey | 1 | 7.625% | $7,806 | — |
| Ohio | 1 | 6.875% | $4,044 | — |
| Oregon | 1 | 6.500% | $2,526 | — |
| Rhode Island | 1 | 5.750% | $13,072 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,214 | 6.688% | — | 22 | −$2,456 | |
| 2 | $6,121 | 6.750% | — | 30 | −$1,549 | |
| 3 | $6,432 | 6.500% | — | 19 | −$1,238 | |
| 4 | $6,769 | 6.375% | — | 37 | −$901 | |
| 5 | $7,075 | 6.500% | — | 700 | −$595 | |
| 6 | $7,101 | 6.750% | — | 31 | −$569 | |
| 7 | $7,161 | 6.500% | — | 48 | −$509 | |
| 8 | $7,338 | 6.500% | — | 21 | −$332 | |
| 9 | $7,584 | 6.500% | — | 134 | −$86 | |
| 10 | $7,638 | 6.500% | — | 229 | −$32 | |
| 11 | $7,639 | 6.250% | — | 39 | −$31 | |
| 12 | $7,951 | 6.500% | — | 340 | +$281 | |
| 13 | $8,212 | 6.375% | — | 67 | +$542 | |
| 14 | $8,561 | 6.375% | — | 18 | +$891 | |
| 15 | $8,732 | 6.500% | — | 19 | +$1,062 | |
| 16 | $8,804 | 6.500% | — | 211 | +$1,134 | |
| 17 | $9,174 | 6.438% | — | 14 | +$1,504 | |
| 18 | $9,210 | 6.500% | — | 61 | +$1,540 | |
| 19 | $11,101 | 6.625% | — | 48 | +$3,431 | |
| 20 | $12,844 | 5.990% | — | 14 | +$5,174 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Intercap Lending Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $445,000 | $335,000 | +$110,000 (+32.8%) |
| Median total closing costs | $7,670 | $7,127 | +$543 (+7.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.