Intercap Lending in Utah vs the state
0.7%Denial rate-15.26 pts vs state
0.9%Decision denial rate-18.31 pts vs state
75.2%Origination rate+11.99 pts vs state
6.50%Median rate-0.13 pts vs state
0.32Rate spread (pts)+0.08 pts vs state
$114kMedian applicant income
3,672Loans originated
34Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,681 | 3,412 | 1.2% | 6.88% | #5 |
| 2024 | 4,905 | 3,735 | 0.9% | 6.63% | #4 |
| 2025 | 4,881 | 3,672 | 0.7% | 6.50% | #6 |
What Intercap Lending lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Intercap Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 1,562 | 1,185 | 13 | 0.8% |
| Utah County | 1,017 | 768 | 9 | 0.9% |
| Davis County | 517 | 383 | 1 | 0.2% |
| Weber County | 489 | 355 | 5 | 1.0% |
| Washington County | 331 | 248 | 0 | 0.0% |
| Box Elder County | 194 | 146 | 0 | 0.0% |
| Tooele County | 180 | 143 | 1 | 0.6% |
| Iron County | 120 | 94 | 2 | 1.7% |
| Cache County | 81 | 58 | 0 | 0.0% |
| Sevier County | 72 | 62 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
| Utah Community Federal Credit Union | B | 2,573 | 16.1% | 6.99% |
Frequently asked questions
Utah: 4,881 applications in 2025, of which 3,672 were originated and 34 denied.
0.7% of all applications, or 0.9% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Intercap Lending originated in Utah 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 Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology