Intercap Lending
We analyzed every closed loan from Intercap Lending — 3.7k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Near-National · 20 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Intercap Lending performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+24.8 bps above market avg
2/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
2,323 loans · 0.24% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,006 loans · 0.42% above market
Exceptional
Top 20% of lenders
5/5
VA
276 loans · 0.28% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
87 loans · 0.22% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
3,264 loans · 0.27% above market
Exceptional
Top 20% of lenders
5/5
Refinance
435 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 21 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,323 | 62.8% | +0.240%Above | $3,368Fees | ||||
FHA Loans | 1,006 | 27.2% | +0.418%Above | $4,921Fees | ||||
VA Loans | 276 | 7.5% | -0.280%Below | $2,750Fees | ||||
Jumbo Loans | 87 | 2.4% | +0.224%Above | $3,097Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume2,323
Mix62.8%
Spread
+0.240%Above
Fees
$3,368Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughExceptional
Volume1,006
Mix27.2%
Spread
+0.418%Above
Fees
$4,921Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughExceptional
Volume276
Mix7.5%
Spread
-0.280%Below
Fees
$2,750Fees
Jumbo Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume87
Mix2.4%
Spread
+0.224%Above
Fees
$3,097Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 3,264 | 88.2% | +0.270%Above | $3,718Fees | ||||
Refinance | 435 | 11.8% | +0.129%Above | $2,906Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume3,264
Mix88.2%
Spread
+0.270%Above
Fees
$3,718Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume435
Mix11.8%
Spread
+0.129%Above
Fees
$2,906Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,699
Applications
4,792
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.248%
vs. market APOR
Avg Net Fees
$3,592
Origination − Credits
Pullthrough Rate
77.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$459,831
Avg Borrower Income
$151,347
Avg Property Value
$591,329
Geographic Coverage
Geographic Performance
Metro Areas
20
markets with activity
States Served
31
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
31Full-year 2024 · HMDALoans originated
< 1010–5050–200200+None
Northeast2
PARI
Midwest7
ILINKSMIMNNEOH
South11
ALARFLGAMDNCOKSCTNTXVA
West11
AZCACOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 20 metro areas
Top States by Place Specialization Score
Showing 10 of 11 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.