Integrity Home Mortgage Corp Rates, Fees & Info

WINCHESTER, VA

LEI: 549300BTTR873E71L054

Tax ID: 55-0873456

4 stars - out of 5 stars, based on 68 reviews

2021 Data | 2020 Data | 2019 Data | 2018 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

4,597

Origination Dollar Volume (All Markets)

$1,225,555,000

Relative 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 applications
95.70%

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 origination
79.04%

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%