INTERCAP LENDING INC.
4,500 mortgages originated in 2025 across 6 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 4,500
- Median rate
- 6.500%
- Median lender fees
- $7,056
- Median loan amount
- $405,000
- Median spread over APOR
- 0.295
- Paid discount points
- 58.2%
- Received lender credits
- 17.2%
- Purchases / refinances
- 79.4% / 20.6%
- Conventional / FHA / VA
- 72.4% / 21.4% / 6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.4% of loans here — see methodology.
Where INTERCAP LENDING INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Utah | 3,672 | $7,062 | 6.500% |
| California | 224 | $7,634 | 6.625% |
| Arizona | 149 | $7,240 | 6.500% |
| Idaho | 115 | $6,901 | 6.375% |
| Washington | 84 | $6,968 | 6.375% |
| Nevada | 54 | — | 6.750% |