Integrity First Bank Mortgage Rates, Fees & Info
Mountain Home, ARLEI: 254900BJAOL0DFF9A885
Tax ID: 71-0354655
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Mortgage Data
Review & Overview
Integrity First Bank is a smaller bank specializing in Home Purchase and Refi loans. Integrity First Bank has a high proportion of conventional loans. Their top markets by origination volume include: Jonesboro, Fayetteville, Mountain Home, Fort Smith, and Blytheville among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)Integrity First Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
334Origination Dollar Volume (All Markets)
$35,500,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
JONESBORO, AR (FHA|USDA|VA) | 72 | $11,570,000 | $160,694 | $0 | 0.00% |
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 66 | $8,340,000 | $126,364 | $0 | 0.00% |
Outside of Metro Areas | 109 | $7,025,000 | $64,450 | $0 | 0.00% |
Mountain Home, AR (FHA|USDA|VA) | 65 | $6,475,000 | $99,615 | $0 | 0.00% |
FORT SMITH, AR-OK (FHA|USDA|VA) | 6 | $700,000 | $116,667 | $0 | 0.00% |
Blytheville, AR (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 0.00% |
Batesville, AR (FHA|USDA|VA) | 5 | $335,000 | $67,000 | $0 | 0.00% |
Paragould, AR (FHA|USDA|VA) | 5 | $255,000 | $51,000 | $0 | 0.00% |
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 0.00% |
HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Branson, MO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 334 | $35,500,000 | $106,287 | $0 | 0.00% |
For 2018, Integrity First Bank's most frequently originated type of loan was Conventional, with 334 originations.
Loan Reason
For 2018, Integrity First Bank's most frequently cited loan purpose was Home Purchase, with 205 originations. The 2nd most popular reason was Refi, with 84 originations.
Loan Duration/Length
Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Other | 334 | $35,500,000 | $106,287 | $0 | 0.00% |
For 2018, Integrity First Bank's most frequently cited loan duration was Other, with 334 originations.
Loan Sizing
2018 saw Integrity First Bank place emphasis on $100,000 or less loans with 217 originations, totaling $10,645,000 in origination value.
Applicant Income
Integrity First Bank lent most frequently to those with incomes in the $50k or less range, with 90 originations. The second most popular income band? $50k-75k, with 51 originations.
Applicant Debt to Income Ratio
DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
---|---|---|---|---|---|
Exempt% | 334 | $35,500,000 | $106,287 | $0 | 0.00% |
Integrity First Bank lent most frequently to those with DTI ratios of Exempt%, with 334 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.80%
Integrity First Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination97.60%
Integrity First Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
Exempt | 334 | $35,500,000 | $106,287 |
Occupancy Type Mix
Complaints
Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
Integrity First Financial Group | VA mortgage | Closing on a mortgage | 1 | 100.0% |