Integrity Bank & Trust Mortgage Rates, Fees & Info
Monument, COLEI: 5493008SW1LBUJBOD283
Tax ID: 43-2009807
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Mortgage Data
Review & Overview
Integrity Bank & Trust is a smaller bank specializing in Home Purchase loans. Integrity Bank & Trust has a high proportion of conventional loans. Integrity Bank & Trust has a low ratio of conventional loans. Their top markets by origination volume include: Colorado Springs, Denver, Dallas, Pueblo, and Greeley among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Integrity Bank & Trust 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.
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Originations
141Origination Dollar Volume (All Markets)
$58,655,000Top 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 |
|---|---|---|---|---|---|
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 111 | $43,995,000 | $396,351 | $0 | 9.38% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 23 | $12,075,000 | $525,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $1,415,000 | $1,415,000 | $0 | 0.00% |
| PUEBLO, CO (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $0 | 9.00% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 136 | $57,230,000 | $420,809 | $0 | 0.00% |
| Conventional | 5 | $1,425,000 | $285,000 | $0 | 9.30% |
For 2024, Integrity Bank & Trust's most frequently originated type of loan was Conventional, with 136 originations. Their 2nd most popular type was Conventional, with 5 originations.
Loan Reason
For 2024, Integrity Bank & Trust's most frequently cited loan purpose was Home Purchase, with 135 originations. The 2nd most popular reason was Home Improvement, with 2 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 136 | $57,230,000 | $420,809 | $0 | 0.00% |
| 1 Year | 5 | $1,425,000 | $285,000 | $0 | 9.30% |
For 2024, Integrity Bank & Trust's most frequently cited loan duration was Other, with 136 originations. The 2nd most popular length was 1 Year, with 5 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 5 | $1,425,000 | $285,000 |
During 2024, Integrity Bank & Trust's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was Over 8%, with 5 originations.
Loan Sizing
2024 saw Integrity Bank & Trust place emphasis on $200k-400k loans with 76 originations, totaling $21,900,000 in origination value.
Applicant Income
Integrity Bank & Trust lent most frequently to those with incomes in the $250k+ range, with 13 originations. The second most popular income band? $150k-250k, with 10 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 136 | $57,230,000 | $420,809 | $0 | 0.00% |
Integrity Bank & Trust lent most frequently to those with DTI ratios of Exempt%, with 136 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Integrity Bank & Trust has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination95.04%
Integrity Bank & Trust 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 |
|---|---|---|---|
| Exempt | 136 | $57,230,000 | $420,809 |
| NA | 5 | $1,425,000 | $285,000 |