Intercap Lending in California vs the state
0.6%Denial rate-16.78 pts vs state
0.8%Decision denial rate-21.57 pts vs state
72.0%Origination rate+15.83 pts vs state
6.50%Median rate-0.13 pts vs state
0.17Rate spread (pts)-0.10 pts vs state
$193kMedian applicant income
224Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 299 | 222 | 0.0% | 6.63% | #288 |
| 2024 | 316 | 233 | 1.6% | 6.63% | #298 |
| 2025 | 311 | 224 | 0.6% | 6.50% | #314 |
What Intercap Lending lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Intercap Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Diego County | 215 | 151 | 1 | 0.5% |
| Riverside County | 33 | 28 | 1 | 3.0% |
| Los Angeles County | 11 | 7 | 0 | 0.0% |
| Contra Costa County | 9 | 8 | 0 | 0.0% |
| Alameda County | 8 | 5 | 0 | 0.0% |
| Sacramento County | 7 | 5 | 0 | 0.0% |
| Orange County | 6 | 5 | 0 | 0.0% |
| Tehama County | 3 | 3 | 0 | 0.0% |
| Sonoma County | 3 | 2 | 0 | 0.0% |
| Monterey County | 2 | 1 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 311 applications in 2025, of which 224 were originated and 2 denied.
0.6% of all applications, or 0.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Intercap Lending originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Intercap Lending's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology