---
canonical_url: https://lendb.ai/lo/tracy-freshwater-1314650
json_url: https://lendb.ai/lo/tracy-freshwater-1314650.json
nmls_id: 1314650
last_verified: 2026-10-09
---

# Tracy Freshwater

Loan Officer at Intercap Lending, Brigham City, UT. NMLS ID 1314650 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1314650)).

**Summary:** Tracy Freshwater (NMLS 1314650) is Loan Officer at Intercap Lending, based in Brigham City, UT. Lists Idaho and Utah on the lender page (not yet checked with the state regulator). Last verified 2026-10-09.

## At a glance

- Earliest state license record: none on file. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Idaho (ID, lender_reported), Utah (UT, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties


## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| ID | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| UT | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Intercap Lending (NMLS 190465), Brigham City, UT. Source: https://www.intercaplending.com/loan-officer/tracy-freshwater/, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1314650

## Contact

- linkedin_url: https://www.linkedin.com/in/tracy-freshwater-41885194/ (source: lender_site, verified 2026-10-09)
- View profile at Intercap Lending: https://www.intercaplending.com/loan-officer/tracy-freshwater/
- Email on file: shown at https://lendb.ai/lo/tracy-freshwater-1314650#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1314650
- lender_site: https://www.intercaplending.com/loan-officer/tracy-freshwater/

Cite as: Tracy Freshwater (NMLS 1314650), Intercap Lending. LenDb.ai, https://lendb.ai/lo/tracy-freshwater-1314650, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._