Integrity Home Mortgage Corp Rates, Fees & Info
WINCHESTER, VALEI: 549300BTTR873E71L054
Tax ID: 55-0873456
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Integrity Home Mortgage Corp is a small mortgage company specializing in Home Purchase loans. Integrity Home Mortgage Corp has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets include Washington, Hagerstown, Winchester, Richmond, and Harrisonburg among others. Integrity Home Mortgage Corp has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Integrity Home Mortgage Corp is typically an average fee lendor.Originations
4,597Origination Dollar Volume (All Markets)
$1,225,555,000Relative Rate
Integrity Home Mortgage Corp's average 30 year fixed rate mortgage of loans were
3.13%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.02%.
Relative Fees
Integrity Home Mortgage Corp's average total fees for a 30 year fixed rate
mortgage are $5,849.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 985 | $337,295,000 | $342,431 | $6,550 | 3.06% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 885 | $206,485,000 | $233,316 | $5,566 | 3.15% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 594 | $163,020,000 | $274,444 | $4,946 | 3.13% |
| RICHMOND, VA (FHA|USDA|VA) | 437 | $124,685,000 | $285,320 | $5,680 | 3.12% |
| Outside of Metro Areas | 376 | $86,050,000 | $228,856 | $5,652 | 3.05% |
| HARRISONBURG, VA (FHA|USDA|VA) | 285 | $68,555,000 | $240,544 | $4,366 | 3.09% |
| ROANOKE, VA (FHA|USDA|VA) | 317 | $66,965,000 | $211,246 | $4,861 | 3.15% |
| STAUNTON, VA (FHA|USDA|VA) | 177 | $43,145,000 | $243,757 | $5,089 | 3.11% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 180 | $37,930,000 | $210,722 | $7,011 | 2.94% |
| LYNCHBURG, VA (FHA|USDA|VA) | 86 | $19,720,000 | $229,302 | $5,909 | 3.16% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 59 | $18,375,000 | $311,441 | $5,663 | 3.14% |
| GETTYSBURG, PA (FHA|USDA|VA) | 47 | $12,955,000 | $275,638 | $8,923 | 2.95% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 25 | $5,455,000 | $218,200 | $5,211 | 3.18% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 18 | $5,070,000 | $281,667 | $6,394 | 3.04% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 22 | $4,930,000 | $224,091 | $7,129 | 3.01% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 21 | $4,805,000 | $228,810 | $7,241 | 2.85% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $1,625,000 | $325,000 | $6,221 | 3.18% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $8,081 | 3.08% |
| LANCASTER, PA (FHA|USDA|VA) | 7 | $1,305,000 | $186,429 | $5,906 | 3.59% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $9,115 | 3.25% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 7 | $1,035,000 | $147,857 | $3,815 | 3.27% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $6,327 | 3.41% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $4,595 | 2.94% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $9,924 | 3.56% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,882 | 3.44% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $6,312 | 2.81% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $4,772 | 2.94% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,721 | 3.44% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $24,527 | 2.75% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,894 | 3.13% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $7,193 | 2.63% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,930 | 2.38% |
| Morehead City, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,586 | 3.44% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,039 | 3.31% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,928 | 3.25% |
| BECKLEY, WV (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,400 | 3.19% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,380 | 3.13% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,239 | 2.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,719 | 2.63% |
| READING, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,059 | 2.75% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $6,485 | 3.13% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $10,740 | 2.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,671 | 3.13% |
| Elkins, WV (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,675 | 3.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,779 | 3.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,674 | 3.63% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,922 | 2.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,922 | 2.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,606 | 3.50% |
| Martinsville, VA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $6,071 | 3.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,346 | 3.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,913 | 3.38% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,989 | 3.00% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,247 | 3.13% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,328 | 3.88% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,216 | 2.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,274 | 3.13% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,514 | 3.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,773 | 2.88% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,829 | 3.88% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,279 | 3.38% |
Integrity Home Mortgage Corp's top markets include Washington, Hagerstown, Winchester, Richmond, and Harrisonburg among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 2,990 | $792,920,000 | $265,191 | $4,411 | 3.15% |
| FHA | 723 | $184,945,000 | $255,802 | $8,672 | 3.09% |
| USDA | 496 | $107,810,000 | $217,359 | $6,270 | 2.98% |
| VA | 388 | $139,880,000 | $360,515 | $9,290 | 2.87% |
For the 2021 period, Integrity Home Mortgage Corp's most frequently originated loan type of loans were Conventional, with 2,990 originations. Their 2nd most popular type is FHA, with 723 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 3,206 | $881,160,000 | $274,847 | $6,203 | 3.12% |
| Refi | 908 | $220,080,000 | $242,379 | $4,220 | 2.94% |
| Cash Out Refi | 483 | $124,315,000 | $257,381 | $5,073 | 3.25% |
For the 2021, Integrity Home Mortgage Corp's most frequently cited loan purpose of loans were Home Purchase, with 3,206 originations. The 2nd most popular reason of loans were Refi, with 908 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 4,229 | $1,145,725,000 | $270,921 | $5,849 | 3.13% |
| 15 Year | 241 | $49,685,000 | $206,162 | $3,795 | 2.70% |
| 20 Year | 94 | $22,710,000 | $241,596 | $4,148 | 2.96% |
| Other | 25 | $6,675,000 | $267,000 | $4,214 | 2.94% |
| 10 Year | 8 | $760,000 | $95,000 | $3,208 | 2.53% |
For the 2021, Integrity Home Mortgage Corp's most frequently cited loan length of loans were 30 Year, with 4,229 originations. The 2nd most popular length of loans were 15 Year, with 241 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 3,179 | $827,275,000 | $260,231 |
| $2k-3k | 564 | $138,520,000 | $245,603 |
| $3k-4k | 487 | $130,095,000 | $267,136 |
| $5k+ | 267 | $101,065,000 | $378,521 |
| $<1k | 100 | $28,600,000 | $286,000 |
$5,849 of loans were Integrity Home Mortgage Corp's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 3,179 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2,397 | $633,275,000 | $264,195 |
| 2.5-3% | 1,890 | $510,250,000 | $269,974 |
| <2.5% | 254 | $70,080,000 | $275,906 |
| 4-5% | 56 | $11,950,000 | $213,393 |
During 2021, Integrity Home Mortgage Corp's average interest rate of loans were 3.13%, while their most frequently originated rate bucket of loans were 3-4%, with 2,397 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 2,536 | $705,680,000 | $278,265 | $5,848 | 3.10% |
| $100k-200k | 1,340 | $212,920,000 | $158,896 | $4,494 | 3.13% |
| $400k-600k | 542 | $256,760,000 | $473,727 | $7,238 | 3.02% |
| $100,000 or less | 124 | $10,280,000 | $82,903 | $3,418 | 3.10% |
| $600k-1MM | 52 | $36,420,000 | $700,385 | $15,984 | 3.11% |
| $1MM+ | 3 | $3,495,000 | $1,165,000 | $46,202 | 2.79% |
2021 saw Integrity Home Mortgage Corp place emphasis on $200k-400k loans with 2,536 originations, totaling $705,680,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 1,238 | $283,750,000 | $229,200 | $5,512 | 3.10% |
| $100k-150k | 921 | $291,005,000 | $315,966 | $5,959 | 3.13% |
| $75k-100k | 901 | $242,535,000 | $269,184 | $5,881 | 3.12% |
| $50k or less | 877 | $159,195,000 | $181,522 | $4,971 | 3.05% |
| $150k-250k | 521 | $195,235,000 | $374,731 | $6,130 | 3.11% |
| $250k+ | 110 | $45,720,000 | $415,636 | $7,691 | 3.14% |
Integrity Home Mortgage Corp lent most frequently to those with incomes in the $50k-75k range, with 1,238 originations. The second most popular income band? $100k-150k, with 921 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-30% | 995 | $263,055,000 | $264,377 | $5,190 | 3.11% |
| 30-36% | 970 | $259,570,000 | $267,598 | $5,475 | 3.12% |
| <20% | 363 | $85,815,000 | $236,405 | $4,442 | 3.02% |
| 50-60% | 203 | $55,495,000 | $273,374 | $8,601 | 3.01% |
| 44% | 179 | $47,355,000 | $264,553 | $5,828 | 3.16% |
| 40% | 176 | $46,900,000 | $266,477 | $6,367 | 3.11% |
| 39% | 173 | $46,315,000 | $267,717 | $5,811 | 3.14% |
| 42% | 165 | $47,445,000 | $287,545 | $6,314 | 3.11% |
| 38% | 160 | $45,970,000 | $287,313 | $6,424 | 3.12% |
| 37% | 158 | $39,600,000 | $250,633 | $5,891 | 3.06% |
| 41% | 157 | $42,935,000 | $273,471 | $5,704 | 3.13% |
| 36% | 154 | $40,500,000 | $262,987 | $5,221 | 3.10% |
| 43% | 150 | $40,360,000 | $269,067 | $5,650 | 3.11% |
| 48% | 117 | $32,665,000 | $279,188 | $6,273 | 3.18% |
| 45% | 112 | $31,340,000 | $279,821 | $6,579 | 3.13% |
| 49% | 109 | $29,135,000 | $267,294 | $5,825 | 3.11% |
| 46% | 108 | $29,590,000 | $273,981 | $6,019 | 3.18% |
| 47% | 103 | $27,255,000 | $264,612 | $6,265 | 3.14% |
| >60% | 1 | $135,000 | $135,000 | $3,991 | 2.75% |
Integrity Home Mortgage Corp lent most frequently to those with DTI ratios of 20-30%, with 995 originations. The next most common DTI ratio? 30-36%, with 970 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 3,359 | $882,375,000 | $262,690 | $5,521 | 3.08% |
| Not provided | 905 | $249,515,000 | $275,707 | $5,977 | 3.16% |
| Black | 244 | $68,370,000 | $280,205 | $7,051 | 3.10% |
| Asian | 59 | $16,775,000 | $284,322 | $5,584 | 3.21% |
| American Indian | 22 | $6,130,000 | $278,636 | $5,585 | 3.02% |
| Other Asian | 4 | $1,240,000 | $310,000 | $7,456 | 3.25% |
| Native Hawaiian | 3 | $1,005,000 | $335,000 | $3,896 | 3.00% |
| Asian Indian | 1 | $145,000 | $145,000 | $3,307 | 4.00% |
Approval Rates
Total approvals of all applications95.70%
Integrity Home Mortgage Corp has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination79.04%
Integrity Home Mortgage Corp has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,597 | $1,225,555,000 | $266,599 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,597 | $1,225,555,000 | $266,599 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 96 | $14,500,000 | $151,042 | $3,752 | 2.90% |
| 40-60% | 342 | $73,490,000 | $214,883 | $3,944 | 2.95% |
| 60-80% | 1,259 | $326,475,000 | $259,313 | $4,505 | 3.17% |
| 80-100% | 2,769 | $763,835,000 | $275,852 | $6,118 | 3.10% |
| Over 100% | 126 | $46,800,000 | $371,429 | $14,521 | 2.89% |
| Under 20% | 5 | $455,000 | $91,000 | $3,156 | 2.83% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| INTEGRITY CREDIT CORPORATION | Conventional home mortgage | Closing on a mortgage | 1 | 100.0% |
