Intercap Lending in Texas vs the state
2.9%Denial rate-16.49 pts vs state
3.7%Decision denial rate-21.20 pts vs state
70.6%Origination rate+15.71 pts vs state
6.56%Median rate+0.06 pts vs state
0.32Rate spread (pts)+0.13 pts vs state
$138kMedian applicant income
24Loans originated
1Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 130 | 86 | 4.6% | 6.63% | #506 |
| 2024 | 122 | 90 | 4.1% | 6.88% | #514 |
| 2025 | 34 | 24 | 2.9% | 6.56% | #772 |
What Intercap Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Intercap Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 6 | 2 | 0 | 0.0% |
| Collin County | 3 | 3 | 0 | 0.0% |
| Galveston County | 2 | 2 | 0 | 0.0% |
| El Paso County | 2 | 2 | 0 | 0.0% |
| Tarrant County | 2 | 2 | 0 | 0.0% |
| Navarro County | 1 | 0 | 0 | 0.0% |
| Burnet County | 1 | 1 | 0 | 0.0% |
| Taylor County | 1 | 1 | 0 | 0.0% |
| Guadalupe County | 1 | 1 | 0 | 0.0% |
| Williamson County | 1 | 0 | 1 | 100.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 34 applications in 2025, of which 24 were originated and 1 denied.
2.9% of all applications, or 3.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Intercap Lending originated in Texas in 2025 was 6.56%, against a statewide median of 6.50%.
About this data. Figures are Intercap Lending's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology