Integrity Mortgage Rates, Fees & Info
PORTLAND, MELEI: 5493004FGBXH9QXOWU35
Tax ID: 83-0930105
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Mortgage Data
Review & Overview
Integrity Mortgage is a smaller mortgage company specializing in Home Purchase and Refi loans. Integrity Mortgage has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Portland, Augusta, Lewiston, and Bangor among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)Integrity Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Integrity Mortgage is typically a low 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.81% | 12/3/24 |
| 30 Year Conventional Refi | 6.16% | 12/3/24 |
| 30 Year Cash-out Refi | 6.88% | 12/3/24 |
| 30 Year FHA Purchase | 7.62% | 12/3/24 |
| 30 Year FHA Refi | 7.10% | 12/3/24 |
| 30 Year VA Purchase | 6.29% | 12/3/24 |
| 15 Year Conventional Purchase | 6.50% | 12/3/24 |
| 15 Year Conventional Refi | 6.27% | 12/3/24 |
| 15 Year Cash-out Refi | 6.27% | 12/3/24 |
| 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. | ||
Integrity Mortgage Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
197Origination Dollar Volume (All Markets)
$49,795,000Top 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 |
|---|---|---|---|---|---|
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 174 | $45,310,000 | $260,402 | $3,606 | 4.14% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 8 | $1,650,000 | $206,250 | $4,678 | 4.16% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 8 | $1,340,000 | $167,500 | $3,462 | 4.25% |
| Outside of Metro Areas | 6 | $1,320,000 | $220,000 | $3,371 | 4.10% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,066 | 4.13% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 178 | $44,880,000 | $252,135 | $3,484 | 4.14% |
| VA | 11 | $3,295,000 | $299,545 | $5,541 | 4.05% |
| USDA | 8 | $1,620,000 | $202,500 | $4,385 | 4.22% |
For 2019, Integrity Mortgage's most frequently originated type of loan was Conventional, with 178 originations. Their 2nd most popular type was VA, with 11 originations.
Loan Reason
For 2019, Integrity Mortgage's most frequently cited loan purpose was Home Purchase, with 119 originations. The 2nd most popular reason was Refi, with 40 originations.
Loan Duration/Length
For 2019, Integrity Mortgage's most frequently cited loan duration was 30 Year, with 171 originations. The 2nd most popular length was 15 Year, with 17 originations.
Origination Fees/Closing Costs
Integrity Mortgage's average total fees were $3,662, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 158 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 98 | $26,190,000 | $267,245 |
| 4-5% | 91 | $21,905,000 | $240,714 |
| 5-6% | 7 | $1,215,000 | $173,571 |
| 2.5-3% | 1 | $485,000 | $485,000 |
During 2019, Integrity Mortgage's average interest rate for loans was 4.20%, while their most frequently originated rate bucket for loans was 3-4%, with 98 originations.
Loan Sizing
2019 saw Integrity Mortgage place emphasis on $200k-400k loans with 121 originations, totaling $33,145,000 in origination value.
Applicant Income
Integrity Mortgage lent most frequently to those with incomes in the $100k-150k range, with 49 originations. The second most popular income band? $50k-75k, with 45 originations.
Applicant Debt to Income Ratio
Integrity Mortgage lent most frequently to those with DTI ratios of 20-30%, with 35 originations. The next most common DTI ratio? 30-36%, with 34 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.97%
Integrity Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination85.79%
Integrity Mortgage has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 197 | $49,795,000 | $252,766 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 1 | $215,000 | $215,000 |
| Single Family (1-4 Units):Site-Built | 196 | $49,580,000 | $252,959 |
LTV Distribution
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% |