Integrity Funding Mortgage Rates, Fees & Info

Salt Lake City, UT

LEI: 254900HFYRHD7PZBLC72

Tax ID: 45-3930199

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Integrity Funding is a smaller mortgage company specializing in Home Purchase and Refi loans. Integrity Funding has a high proportion of conventional loans.

    Integrity Funding 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.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    40

    Origination Dollar Volume (All Markets)

    $7,060,000

    Top 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
    Outside of Metro Areas 40 $7,060,000 $176,500 $0 9.34%
    Integrity Funding's top markets include

    Their top states include:
  • Utah (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 36 $5,680,000 $157,778 $0 9.33%
    HELOC 4 $1,380,000 $345,000 n/a 9.38%

    For 2018, Integrity Funding's most frequently originated type of loan was Conventional, with 36 originations. Their 2nd most popular type was HELOC, with 4 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 27 $4,565,000 $169,074 $0 8.74%
    Refi 10 $2,100,000 $210,000 $0 10.65%
    Home Improvement 3 $395,000 $131,667 $0 10.33%

    For 2018, Integrity Funding's most frequently cited loan purpose was Home Purchase, with 27 originations. The 2nd most popular reason was Refi, with 10 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    1 Year 29 $5,095,000 $175,690 $0 8.95%
    Other 11 $1,965,000 $178,636 $0 10.36%

    For 2018, Integrity Funding's most frequently cited loan duration was 1 Year, with 29 originations. The 2nd most popular length was Other, with 11 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 31 $5,655,000 $182,419
    4-5% 9 $1,405,000 $156,111

    During 2018, Integrity Funding's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 31 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 21 $3,125,000 $148,810 $0 9.29%
    $200k-400k 11 $2,745,000 $249,545 $0 9.41%
    $100,000 or less 7 $385,000 $55,000 $0 9.43%
    $600k-1MM 1 $805,000 $805,000 $0 9.00%

    2018 saw Integrity Funding place emphasis on $100k-200k loans with 21 originations, totaling $3,125,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 24 $3,590,000 $149,583 $0 8.54%
    White 15 $3,155,000 $210,333 $0 10.43%
    Not provided 1 $315,000 $315,000 $0 12.00%

    Approval Rates

    Total approvals of all applications
    97.62%

    Integrity Funding has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    97.50%

    Integrity Funding 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
    NA 40 $7,060,000 $176,500

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 40 $7,060,000 $176,500

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 2 $130,000 $65,000 $0 10.50%
    40-60% 1 $75,000 $75,000 $0 11.00%
    60-80% 20 $4,200,000 $210,000 $0 10.25%
    80-100% 8 $1,340,000 $167,500 $0 8.13%
    Over 100% 3 $585,000 $195,000 $0 5.00%
    Under 20% 6 $730,000 $121,667 $0 9.42%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Integrity First Financial Group VA mortgage Closing on a mortgage 1 100.0%