Integrity Mortgage Rates, Fees & Info

PORTLAND, ME

LEI: 5493004FGBXH9QXOWU35

Tax ID: 83-0930105

5 stars - out of 5 stars, based on 22 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Integrity Mortgage is a smaller mortgage company specializing in Home Purchase, Refi, and Cash Out Refi loans. Integrity Mortgage has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Portland, Lewiston, Boston, Augusta, and Cape Coral among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Integrity Mortgage has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders. Integrity Mortgage is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    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.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.55% 1/29/23
    30 Year Conventional Refi 6.41% 1/29/23
    30 Year Cash-out Refi 6.63% 1/29/23
    30 Year FHA Purchase 6.27% 1/29/23
    30 Year VA Purchase 6.46% 1/29/23
    30 Year USDA Purchase 6.27% 1/29/23
    15 Year Conventional Purchase 5.84% 1/29/23
    15 Year Conventional Refi 5.94% 1/29/23
    15 Year Cash-out Refi 5.94% 1/29/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    482

    Origination Dollar Volume (All Markets)

    $144,160,000

    Relative Rate

    Integrity Mortgage's average 30 year fixed mortgage rate was 3.15%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0%.

    Relative Fees (Closing Costs)

    Integrity Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $4,193.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 403 $123,725,000 $307,010 $3,998 3.04%
    Outside of Metro Areas 28 $7,840,000 $280,000 $4,032 3.11%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 23 $4,485,000 $195,000 $3,454 3.11%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 8 $3,180,000 $397,500 $4,945 2.87%
    Augusta-Waterville, ME (FHA|USDA|VA) 7 $1,345,000 $192,143 $3,895 2.93%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,205,000 $401,667 $6,170 3.29%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $545,000 $545,000 $7,678 2.99%
    Concord, NH (FHA|USDA|VA) 1 $345,000 $345,000 $3,322 2.88%
    BANGOR, ME (FHA|USDA|VA) 2 $340,000 $170,000 $4,640 3.31%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,664 3.25%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $280,000 $140,000 $4,382 3.25%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $245,000 $245,000 $3,458 2.99%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $185,000 $185,000 $4,177 3.38%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,288 3.63%
    Integrity Mortgage's top markets include Portland, Lewiston, Boston, Augusta, and Cape Coral among others.

    Their top states include:
  • Maine (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against INTEGRITY MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    MAINE FAMILY
    Similarity Rank: 12
    INFINITY Federal Credit Union
    Similarity Rank: 136
    CASCO
    Similarity Rank: 226
    CUMBERLAND COUNTY
    Similarity Rank: 464
    LUSO-AMERICAN CREDIT UNION
    Similarity Rank: 474
    Kennebec Savings Bank
    Similarity Rank: 535
    Maine Savings Federal Credit Union
    Similarity Rank: 650

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 473 $140,965,000 $298,023 $3,920 3.04%
    FHA 6 $2,230,000 $371,667 $11,243 3.21%
    VA 3 $965,000 $321,667 $3,975 3.04%

    For 2021, Integrity Mortgage's most frequently originated type of loan was Conventional, with 473 originations. Their 2nd most popular type was FHA, with 6 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 185 $62,335,000 $336,946 $4,471 3.15%
    Refi 153 $40,725,000 $266,176 $3,454 2.85%
    Cash Out Refi 139 $39,315,000 $282,842 $4,023 3.11%
    Home Improvement 5 $1,785,000 $357,000 $3,864 3.35%

    For 2021, Integrity Mortgage's most frequently cited loan purpose was Home Purchase, with 185 originations. The 2nd most popular reason was Refi, with 153 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 389 $120,525,000 $309,833 $4,193 3.15%
    15 Year 65 $16,205,000 $249,308 $3,200 2.49%
    20 Year 21 $5,825,000 $277,381 $3,342 2.90%
    10 Year 5 $955,000 $191,000 $3,584 2.50%
    Other 2 $650,000 $325,000 $3,340 2.94%

    For 2021, Integrity Mortgage's most frequently cited loan duration was 30 Year, with 389 originations. The 2nd most popular length was 15 Year, with 65 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 408 $122,020,000 $299,069
    $2k-3k 24 $7,350,000 $306,250
    $3k-4k 20 $5,440,000 $272,000
    $5k+ 16 $5,760,000 $360,000
    $4k-5k 9 $2,375,000 $263,889
    $<1k 4 $1,100,000 $275,000

    Integrity Mortgage's average total fees were $4,193, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 408 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 213 $67,945,000 $318,991
    3-4% 205 $60,015,000 $292,756
    <2.5% 53 $13,095,000 $247,075
    4-5% 11 $3,105,000 $282,273

    During 2021, Integrity Mortgage's average interest rate for loans was 3.15%, while their most frequently originated rate bucket for loans was 2.5-3%, with 213 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 253 $71,885,000 $284,130 $4,011 3.09%
    $100k-200k 117 $18,705,000 $159,872 $3,375 2.99%
    $400k-600k 107 $51,975,000 $485,748 $4,584 2.99%
    $100,000 or less 3 $245,000 $81,667 $3,108 3.04%
    $600k-1MM 2 $1,350,000 $675,000 $11,701 3.31%

    2021 saw Integrity Mortgage place emphasis on $200k-400k loans with 253 originations, totaling $71,885,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 130 $41,140,000 $316,462 $3,967 3.02%
    $50k-75k 107 $25,445,000 $237,804 $3,743 3.08%
    $75k-100k 82 $22,780,000 $277,805 $4,050 3.06%
    $150k-250k 68 $25,680,000 $377,647 $4,184 2.95%
    $250k+ 53 $21,335,000 $402,547 $4,742 3.03%
    $50k or less 42 $7,780,000 $185,238 $3,554 3.17%

    Integrity Mortgage lent most frequently to those with incomes in the $100k-150k range, with 130 originations. The second most popular income band? $50k-75k, with 107 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 98 $30,420,000 $310,408 $3,756 2.91%
    30-36% 81 $24,065,000 $297,099 $4,123 3.10%
    <20% 39 $10,845,000 $278,077 $3,366 2.75%
    44% 32 $9,230,000 $288,438 $4,083 3.06%
    42% 30 $9,640,000 $321,333 $4,139 3.11%
    43% 26 $8,020,000 $308,462 $4,308 3.23%
    45% 23 $7,485,000 $325,435 $3,642 3.19%
    41% 20 $5,020,000 $251,000 $3,628 3.01%
    40% 19 $6,495,000 $341,842 $4,716 3.16%
    38% 18 $4,670,000 $259,444 $3,906 3.19%
    37% 17 $4,145,000 $243,824 $3,572 3.09%
    36% 17 $5,235,000 $307,941 $4,191 3.23%
    39% 12 $3,720,000 $310,000 $4,736 3.01%
    47% 11 $2,955,000 $268,636 $3,645 3.01%
    46% 10 $3,250,000 $325,000 $3,466 3.00%
    48% 9 $3,175,000 $352,778 $5,356 3.25%
    49% 9 $2,215,000 $246,111 $4,847 3.11%
    50-60% 9 $3,035,000 $337,222 $6,021 3.08%
    >60% 2 $540,000 $270,000 $3,616 3.31%

    Integrity Mortgage lent most frequently to those with DTI ratios of 20-30%, with 98 originations. The next most common DTI ratio? 30-36%, with 81 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 452 $134,970,000 $298,606 $3,990 3.04%
    Not provided 12 $4,080,000 $340,000 $3,396 3.05%
    Asian 10 $2,540,000 $254,000 $4,733 3.33%
    Black 5 $1,605,000 $321,000 $4,280 3.07%
    American Indian 3 $965,000 $321,667 $6,795 2.92%

    Approval Rates

    Total approvals of all applications
    86.68%

    Integrity Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    94.19%

    Integrity Mortgage has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 482 $144,160,000 $299,087

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    482 $144,160,000 $299,087

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 40 $9,000,000 $225,000 $3,543 2.78%
    40-60% 105 $28,635,000 $272,714 $3,471 2.91%
    60-80% 220 $68,520,000 $311,455 $4,133 3.13%
    80-100% 117 $38,005,000 $324,829 $4,430 3.10%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    INTEGRITY CREDIT CORPORATION Conventional home mortgage Closing on a mortgage 1 100.0%