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

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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. Their top markets by origination volume include: Salt Lake City, Ogden, Price, St. George, and Provo among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)

    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.

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    Originations

    38

    Origination Dollar Volume (All Markets)

    $7,220,000

    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
    SALT LAKE CITY, UT (FHA|USDA|VA) 20 $3,770,000 $188,500 $0 10.53%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 5 $1,525,000 $305,000 $0 10.30%
    Price, UT (FHA|USDA|VA) 6 $1,170,000 $195,000 $0 8.67%
    ST. GEORGE, UT (FHA|USDA|VA) 3 $405,000 $135,000 $0 8.67%
    PROVO-OREM, UT (FHA|USDA|VA) 1 $155,000 $155,000 $0 13.00%
    Outside of Metro Areas 2 $120,000 $60,000 $0 11.50%
    Vernal, UT (FHA|USDA|VA) 1 $75,000 $75,000 $0 11.00%
    Integrity Funding's top markets include Salt Lake City, Ogden, Price, St. George, and Provo among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 38 $7,220,000 $190,000 $0 10.18%

    For 2019, Integrity Funding's most frequently originated type of loan was Conventional, with 38 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 20 $3,060,000 $153,000 $0 9.58%
    Refi 18 $4,160,000 $231,111 $0 10.86%

    For 2019, Integrity Funding's most frequently cited loan purpose was Home Purchase, with 20 originations. The 2nd most popular reason was Refi, with 18 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    1 Year 19 $3,765,000 $198,158 $0 10.37%
    Other 19 $3,455,000 $181,842 $0 10.00%

    For 2019, Integrity Funding's most frequently cited loan duration was 1 Year, with 19 originations. The 2nd most popular length was Other, with 19 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 34 $6,490,000 $190,882
    4-5% 4 $730,000 $182,500

    During 2019, Integrity Funding's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 34 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 18 $2,730,000 $151,667 $0 9.86%
    $100,000 or less 10 $510,000 $51,000 $0 10.90%
    $200k-400k 6 $1,590,000 $265,000 $0 9.67%
    $400k-600k 3 $1,485,000 $495,000 $0 11.00%
    $600k-1MM 1 $905,000 $905,000 $0 9.50%

    2019 saw Integrity Funding place emphasis on $100k-200k loans with 18 originations, totaling $2,730,000 in origination value.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 22 $4,150,000 $188,636 $0 9.80%
    White 11 $2,325,000 $211,364 $0 10.86%
    Not provided 5 $745,000 $149,000 $0 10.40%

    Approval Rates

    Total approvals of all applications
    100.00%

    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
    97.37%

    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 38 $7,220,000 $190,000

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $200,000 $100,000
    Single Family (1-4 Units):Site-Built 36 $7,020,000 $195,000

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1 $75,000 $75,000 $0 11.00%
    40-60% 2 $280,000 $140,000 $0 11.00%
    60-80% 14 $3,760,000 $268,571 $0 10.86%
    80-100% 11 $1,815,000 $165,000 $0 10.09%
    Over 100% 4 $1,090,000 $272,500 $0 6.50%
    Under 20% 6 $200,000 $33,333 $0 10.83%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    Integrity Financial Corp. DBA US Loan Servicing Other type of mortgage Closing on a mortgage 1 100.0%