Comparison

Intercap Lending App vs Utah First Digital Banking

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Intercap Lending App

Streamline your mortgage application process with this finance app. Get pre-approved, compare home prices and payments, and track your loan's progress in real-time. Agents can also access features to assist clients.

Highlights
  • Mortgage application submission
  • Pre-approval process
  • Home price comparison
  • Mortgage payment calculation
  • Loan milestone tracking
  • Agent access for pre-approval letters
Features
Read full description

With our accessible app, mortgage lending has never been easier. As a client, you can fill out an application and get pre-approved in just a few simple steps. Once you are approved, you can see what you qualify for, compare home prices, and mortgage payments all from your phone. Once you are under contract you will be notified when your loan moves through each milestone of the lending process, so you are kept up to date. Your agent also has access too! Your agent can print a pre-approval letter right from their phone so you can make that offer right then and there!

About

Utah First Digital Banking

Manage all your financial accounts, from multiple institutions, in one place. Track transactions, set alerts, make payments, and deposit checks with ease. Secure your finances with advanced login options.

Highlights
  • Aggregate financial accounts
  • Organize transactions with tags and notes
  • Set balance alerts
  • Make payments and transfer money
  • Mobile check deposit
  • Debit card management
  • View monthly statements
  • Find branches and ATMs
Features
Read full description

Utah First Digital Banking is your personal financial advocate that gives you the ability to aggregate all of your financial accounts, including accounts from other banks and credit unions, into a single view. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what else you can do with Utah First Digital Banking: -Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. -Set up alerts so you know when your balance drops below a certain amount. -Make payments, whether you’re paying a company or a friend. -Transfer money between your accounts. -Deposit checks in a snap by taking a picture of the front and back. -Reorder your debit card or turn it off if you’ve misplaced it. -View and save your monthly statements. -Find branches and ATMs near you. Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices. Download the app, launch it, and login with "first time user" option or use your existing username and password.

Screenshots

Intercap Lending App4 screens
Utah First Digital Banking4 screens

Verdict

The call

The clearest difference is monetization model: Intercap Lending App at free against Utah First Digital Banking's free with in-app purchases. Utah First Digital Banking's advantage is ratings volume (4.4K vs 29) and update cadence (monthly vs every 3 months). On price, review sentiment, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Utah First Digital Banking holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Utah First Digital Banking has 4.4K ratings behind it against 29, so its average is the more settled of the two. Written reviews point the same way: 50% of Intercap Lending App's written reviews are positive against 54% of Utah First Digital Banking's.

UpkeepUpdate frequency

Intercap Lending App ships an update every 3 months, Utah First Digital Banking monthly. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.

Scorecard4 real differences · 6 level
Intercap Lending App versus Utah First Digital Banking: the parameters behind the verdict, then further details
ParameterIntercap Lending AppUtah First Digital Banking
PriceFreeFree
Rating4.6 (29 ratings)4.8 (4.4K ratings) — better
Positive reviews50.0% of reviews53.8% of reviews — better
Number of ratings294.4K — better
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhoneiPhone, iPad — better
Requires iOS18.0 — better18.4
Further details — not scored
Size102 MB197 MB
Age rating4+4+
DeveloperIntercap Lending Inc.Utah First Federal Credit Union

Customer experience

Intercap Lending App

All ratings29 ratings
Positive93.1%
Neutral0.0%
Negative6.9%
Written reviews4 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Utah First Digital Banking

All ratings4,389 ratings
Positive95.8%
Neutral1.4%
Negative2.8%
Written reviews65 reviews
Positive53.8%
Neutral6.2%
Negative40.0%

Bugs and requests

Intercap Lending App

Not enough reviews yet to summarise bugs or requests.

Utah First Digital Banking

Reported bugs

3 issues
  • App crashes when trying to deposit checks
  • App closes when clicking on anything
  • App does not update transactions in real-time

Requested features

4 requests
  • Add auto-pay feature for credit cards
  • Allow previous iOS versions to use the app
  • Improve mobile deposit experience
  • Bring back old app layout and functionality

In-app purchases

None

Intercap Lending App

No in-app purchases

None

Utah First Digital Banking

No in-app purchases

Questions

Is Intercap Lending App free?
Intercap Lending App is free to download, with no in-app purchases.
Is Utah First Digital Banking free?
Utah First Digital Banking is free to download, with no in-app purchases.
Which has better reviews, Intercap Lending App or Utah First Digital Banking?
Utah First Digital Banking is rated higher. Intercap Lending App averages 4.6 out of 5 from 29 ratings, while Utah First Digital Banking averages 4.8 from 4.4K ratings.
Do Intercap Lending App or Utah First Digital Banking have ads?
Neither Intercap Lending App nor Utah First Digital Banking shows ads.
Which is updated more often, Intercap Lending App or Utah First Digital Banking?
Intercap Lending App ships an update every 3 months, and Utah First Digital Banking monthly. Most recently, Intercap Lending App was updated on October 24, 2026 and Utah First Digital Banking on October 29, 2026.

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