Integrity Home Mortgage Corp Rates, Fees & Info

WINCHESTER, VA

LEI: 549300BTTR873E71L054

Tax ID: 55-0873456

2.7 stars - Updated: 3/17/24 - out of 5 stars, based on 47 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Integrity Home Mortgage Corp is a smaller 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 by origination volume include: Washington, Hagerstown, Winchester, Richmond, and Harrisonburg among others. We have data for 58 markets. (Some data included below & more in-depth data is available with an active subscription.)

Integrity Home Mortgage Corp 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 Home Mortgage Corp 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 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.87% 3/17/24
30 Year Conventional Refi 6.80% 3/17/24
30 Year Cash-out Refi 7.05% 3/17/24
30 Year FHA Purchase 7.45% 3/17/24
30 Year FHA Refi 7.17% 3/17/24
30 Year VA Purchase 6.36% 3/17/24
30 Year VA Refi 6.10% 3/17/24
30 Year USDA Purchase 6.92% 3/17/24
30 Year USDA Refi 7.03% 3/17/24
15 Year Conventional Purchase 6.54% 3/17/24
15 Year Conventional Refi 6.30% 3/17/24
15 Year Cash-out Refi 6.30% 3/17/24
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 Home Mortgage Corp Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Integrity Home Mortgage Corp. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,192

Origination Dollar Volume (All Markets)

$634,790,000

Relative Rate

Integrity Home Mortgage Corp's average 30 year fixed mortgage rate was 5.02%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.26%.

Relative Fees (Closing Costs)

Integrity Home Mortgage Corp's average total fees/closing costs for a 30 year fixed rate mortgage were $8,034.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top 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
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 427 $160,005,000 $374,719 $9,061 4.94%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 495 $128,865,000 $260,333 $8,219 4.97%
WINCHESTER, VA-WV (FHA|USDA|VA) 242 $71,470,000 $295,331 $6,807 5.01%
RICHMOND, VA (FHA|USDA|VA) 213 $65,695,000 $308,427 $8,039 5.13%
Outside of Metro Areas 228 $56,150,000 $246,272 $7,115 4.98%
HARRISONBURG, VA (FHA|USDA|VA) 162 $43,260,000 $267,037 $6,732 4.88%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 101 $22,895,000 $226,683 $8,522 4.94%
LYNCHBURG, VA (FHA|USDA|VA) 62 $14,640,000 $236,129 $7,635 5.16%
STAUNTON, VA (FHA|USDA|VA) 45 $11,125,000 $247,222 $6,107 4.78%
GETTYSBURG, PA (FHA|USDA|VA) 33 $9,955,000 $301,667 $11,435 4.59%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 21 $7,175,000 $341,667 $8,264 4.89%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 17 $5,105,000 $300,294 $6,962 4.80%
YORK-HANOVER, PA (FHA|USDA|VA) 18 $4,670,000 $259,444 $10,995 4.78%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 14 $3,340,000 $238,571 $8,273 5.73%
ROANOKE, VA (FHA|USDA|VA) 12 $3,180,000 $265,000 $5,479 4.03%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 12 $3,160,000 $263,333 $6,267 5.33%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 11 $2,615,000 $237,727 $10,175 5.23%
WILMINGTON, NC (FHA|USDA|VA) 7 $2,325,000 $332,143 $7,593 6.54%
RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,380,000 $345,000 $6,542 6.34%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $1,175,000 $391,667 $16,716 5.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $1,110,000 $277,500 $7,405 5.44%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $1,060,000 $530,000 $11,164 5.44%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $930,000 $232,500 $5,246 6.31%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $830,000 $207,500 $5,498 6.75%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $790,000 $395,000 $6,035 5.75%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $730,000 $365,000 $6,626 6.50%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $645,000 $645,000 $9,293 5.63%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $625,000 $625,000 $20,301 6.13%
GREENVILLE, NC (FHA|USDA|VA) 2 $620,000 $310,000 $12,770 6.06%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $600,000 $300,000 $9,678 4.56%
CUMBERLAND, MD-WV (FHA|USDA|VA) 5 $595,000 $119,000 $7,413 5.63%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $530,000 $265,000 $6,516 4.94%
LANCASTER, PA (FHA|USDA|VA) 2 $530,000 $265,000 $7,136 5.31%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $465,000 $465,000 $22,849 6.00%
Martinsville, VA (FHA|USDA|VA) 2 $440,000 $220,000 $7,682 5.75%
Danville, VA (FHA|USDA|VA) 2 $430,000 $215,000 $6,052 4.38%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $420,000 $210,000 $7,099 6.00%
THE VILLAGES, FL (FHA|USDA|VA) 1 $415,000 $415,000 $4,543 4.13%
MORGANTOWN, WV (FHA|USDA|VA) 3 $395,000 $131,667 $7,734 4.88%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $390,000 $195,000 $3,583 5.19%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $340,000 $170,000 $2,940 6.94%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $305,000 $305,000 $7,412 4.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $305,000 $305,000 $6,265 5.88%
PANAMA CITY, FL (FHA|USDA|VA) 1 $265,000 $265,000 $10,588 5.00%
DuBois, PA (FHA|USDA|VA) 1 $265,000 $265,000 $4,398 6.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $255,000 $255,000 $12,495 5.25%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $255,000 $255,000 $9,384 3.50%
Wilson, NC (FHA|USDA|VA) 1 $245,000 $245,000 $7,902 6.25%
SUMTER, SC (FHA|USDA|VA) 1 $235,000 $235,000 $3,958 5.13%
Somerset, PA (FHA|USDA|VA) 1 $225,000 $225,000 $6,918 3.25%
Cambridge, MD (FHA|USDA|VA) 1 $215,000 $215,000 $5,559 3.50%
PITTSBURGH, PA (FHA|USDA|VA) 1 $205,000 $205,000 $5,775 6.00%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $205,000 $205,000 $11,153 4.25%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 1 $175,000 $175,000 $6,314 5.00%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $165,000 $165,000 $6,444 3.75%
Morehead City, NC (FHA|USDA|VA) 1 $155,000 $155,000 $4,178 4.25%
GOLDSBORO, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,332 6.88%
CHARLESTON, WV (FHA|USDA|VA) 1 $115,000 $115,000 $5,618 4.25%
Integrity Home Mortgage Corp's top markets include Washington, Hagerstown, Winchester, Richmond, and Harrisonburg among others.

Their top states include:
  • Virginia (FHA|USDA|VA)
  • West Virginia (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,343 $390,145,000 $290,503 $6,446 5.07%
    FHA 462 $127,350,000 $275,649 $11,158 4.95%
    USDA 199 $45,065,000 $226,457 $7,635 4.69%
    VA 188 $72,230,000 $384,202 $11,164 4.86%

    For 2022, Integrity Home Mortgage Corp's most frequently originated type of loan was Conventional, with 1,343 originations. Their 2nd most popular type was FHA, with 462 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,924 $561,130,000 $291,648 $8,130 5.07%
    Cash Out Refi 140 $35,360,000 $252,571 $7,563 4.83%
    Refi 128 $38,300,000 $299,219 $6,040 4.10%

    For 2022, Integrity Home Mortgage Corp's most frequently cited loan purpose was Home Purchase, with 1,924 originations. The 2nd most popular reason was Cash Out Refi, with 140 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,130 $619,820,000 $290,995 $8,034 5.02%
    15 Year 39 $9,045,000 $231,923 $5,646 4.01%
    20 Year 18 $4,850,000 $269,444 $6,125 4.56%
    Other 3 $785,000 $261,667 $7,132 3.92%
    10 Year 2 $290,000 $145,000 $3,252 3.00%

    For 2022, Integrity Home Mortgage Corp's most frequently cited loan duration was 30 Year, with 2,130 originations. The 2nd most popular length was 15 Year, with 39 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 675 $190,675,000 $282,481
    $5k+ 565 $201,145,000 $356,009
    $3k-4k 313 $78,185,000 $249,792
    $2k-3k 311 $75,255,000 $241,977
    $4k-5k 259 $70,895,000 $273,726
    $<1k 47 $14,355,000 $305,426

    Integrity Home Mortgage Corp's average total fees were $8,034, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 675 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 759 $218,495,000 $287,872
    4-5% 588 $174,620,000 $296,973
    3-4% 448 $131,530,000 $293,594
    6-7% 284 $77,580,000 $273,169
    7-8% 63 $17,545,000 $278,492
    2.5-3% 46 $13,400,000 $291,304
    Over 8% 3 $895,000 $298,333
    <2.5% 1 $725,000 $725,000

    During 2022, Integrity Home Mortgage Corp's average interest rate for loans was 5.02%, while their most frequently originated rate bucket for loans was 5-6%, with 759 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,286 $361,270,000 $280,925 $8,000 5.02%
    $100k-200k 487 $78,355,000 $160,893 $5,698 4.99%
    $400k-600k 309 $147,255,000 $476,553 $10,124 4.89%
    $600k-1MM 62 $43,440,000 $700,645 $16,335 4.84%
    $100,000 or less 47 $3,455,000 $73,511 $4,251 5.35%
    $1MM+ 1 $1,015,000 $1,015,000 $15,614 4.75%

    2022 saw Integrity Home Mortgage Corp place emphasis on $200k-400k loans with 1,286 originations, totaling $361,270,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 568 $132,800,000 $233,803 $7,270 4.96%
    $100k-150k 509 $173,295,000 $340,462 $8,947 5.10%
    $75k-100k 460 $128,270,000 $278,848 $7,973 5.01%
    $50k or less 285 $49,245,000 $172,789 $6,100 4.78%
    $150k-250k 273 $107,745,000 $394,670 $9,233 5.12%
    $250k+ 83 $37,805,000 $455,482 $9,218 5.08%

    Integrity Home Mortgage Corp lent most frequently to those with incomes in the $50k-75k range, with 568 originations. The second most popular income band? $100k-150k, with 509 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 405 $114,645,000 $283,074 $7,652 4.93%
    20-30% 376 $104,650,000 $278,324 $6,940 4.90%
    50-60% 148 $46,980,000 $317,432 $11,886 5.01%
    49% 104 $29,160,000 $280,385 $8,147 5.20%
    40% 101 $28,605,000 $283,218 $8,027 4.85%
    <20% 99 $24,775,000 $250,253 $6,454 4.65%
    42% 93 $26,505,000 $285,000 $7,252 5.14%
    43% 92 $28,030,000 $304,674 $9,300 5.06%
    48% 84 $23,950,000 $285,119 $8,354 4.96%
    44% 84 $25,140,000 $299,286 $7,931 5.14%
    37% 83 $25,265,000 $304,398 $7,652 5.03%
    39% 82 $25,340,000 $309,024 $8,468 5.04%
    36% 77 $22,795,000 $296,039 $7,207 5.12%
    45% 74 $22,860,000 $308,919 $7,544 5.22%
    41% 73 $22,505,000 $308,288 $8,071 5.20%
    46% 72 $22,710,000 $315,417 $9,242 5.18%
    47% 71 $22,665,000 $319,225 $8,755 5.04%
    38% 71 $17,235,000 $242,746 $6,515 5.03%

    Integrity Home Mortgage Corp lent most frequently to those with DTI ratios of 30-36%, with 405 originations. The next most common DTI ratio? 20-30%, with 376 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,542 $442,390,000 $286,894 $7,961 4.98%
    Not provided 486 $141,600,000 $291,358 $7,641 4.98%
    Black 117 $33,725,000 $288,248 $9,436 5.14%
    Asian 29 $10,695,000 $368,793 $8,640 5.45%
    American Indian 8 $2,430,000 $303,750 $8,389 4.98%
    Other Asian 5 $2,225,000 $445,000 $6,562 5.63%
    Native Hawaiian or Islander 2 $780,000 $390,000 $4,420 4.38%
    Chinese 1 $505,000 $505,000 $7,660 5.63%
    Other Pacific Islander 1 $305,000 $305,000 $10,588 4.38%
    Asian Indian 1 $135,000 $135,000 $7,277 5.25%

    Approval Rates

    Total approvals of all applications
    95.87%

    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
    78.56%

    Integrity Home Mortgage Corp has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,192 $634,790,000 $289,594

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,192 $634,790,000 $289,594

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 60 $9,330,000 $155,500 $5,077 5.00%
    40-60% 132 $30,360,000 $230,000 $5,826 4.87%
    60-80% 486 $138,550,000 $285,082 $6,809 5.00%
    80-100% 1,438 $431,170,000 $299,840 $8,324 5.01%
    Over 100% 67 $24,965,000 $372,612 $15,581 4.81%
    Under 20% 9 $415,000 $46,111 $4,219 5.89%