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 loans. Integrity Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Portland, Lewiston, Augusta, Manchester, and Naples among others. We have data for 12 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 a below 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 relatively high 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% | 4/28/24 |
| 30 Year Conventional Refi | 6.16% | 4/28/24 |
| 30 Year Cash-out Refi | 6.88% | 4/28/24 |
| 30 Year FHA Purchase | 7.62% | 4/28/24 |
| 30 Year FHA Refi | 7.10% | 4/28/24 |
| 30 Year VA Purchase | 6.29% | 4/28/24 |
| 15 Year Conventional Purchase | 6.50% | 4/28/24 |
| 15 Year Conventional Refi | 6.27% | 4/28/24 |
| 15 Year Cash-out Refi | 6.27% | 4/28/24 |
| 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
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
189Origination Dollar Volume (All Markets)
$57,585,000Top 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) | 125 | $41,875,000 | $335,000 | $6,151 | 5.13% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 23 | $5,675,000 | $246,739 | $5,292 | 5.54% |
| Outside of Metro Areas | 18 | $4,550,000 | $252,778 | $6,826 | 5.60% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 12 | $2,450,000 | $204,167 | $5,155 | 5.45% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $6,741 | 4.92% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,534 | 3.25% |
| BANGOR, ME (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $7,276 | 6.38% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,106 | 3.50% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,707 | 6.99% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,863 | 3.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,429 | 3.99% |
| OCALA, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,557 | 6.99% |
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 | 167 | $51,155,000 | $306,317 | $5,642 | 5.23% |
| FHA | 20 | $5,510,000 | $275,500 | $9,396 | 5.29% |
| VA | 2 | $920,000 | $460,000 | $9,307 | 5.75% |
For 2022, Integrity Mortgage's most frequently originated type of loan was Conventional, with 167 originations. Their 2nd most popular type was FHA, with 20 originations.
Loan Reason
For 2022, Integrity Mortgage's most frequently cited loan purpose was Home Purchase, with 141 originations. The 2nd most popular reason was Cash Out Refi, with 39 originations.
Loan Duration/Length
For 2022, Integrity Mortgage's most frequently cited loan duration was 30 Year, with 183 originations. The 2nd most popular length was 15 Year, with 3 originations.
Origination Fees/Closing Costs
Integrity Mortgage's average total fees were $6,143, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 76 originations.
Interest Rates
During 2022, Integrity Mortgage's average interest rate for loans was 5.29%, while their most frequently originated rate bucket for loans was 5-6%, with 60 originations.
Loan Sizing
2022 saw Integrity Mortgage place emphasis on $200k-400k loans with 104 originations, totaling $30,400,000 in origination value.
Applicant Income
Integrity Mortgage lent most frequently to those with incomes in the $100k-150k range, with 53 originations. The second most popular income band? $75k-100k, with 41 originations.
Applicant Debt to Income Ratio
Integrity Mortgage lent most frequently to those with DTI ratios of 30-36%, with 32 originations. The next most common DTI ratio? 20-30%, with 27 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications78.02%
Integrity Mortgage has a below average approval rate.
Pick Rate
Approvals leading to origination88.36%
Integrity Mortgage has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 189 | $57,585,000 | $304,683 |