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

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

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Integrity Home Mortgage Corp is a small mortgage company specializing in 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 61 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.

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    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.70% 1/29/23
    30 Year Conventional Refi 6.55% 1/29/23
    30 Year Cash-out Refi 6.78% 1/29/23
    30 Year FHA Purchase 7.46% 1/29/23
    30 Year FHA Refi 7.03% 1/29/23
    30 Year VA Purchase 6.40% 1/29/23
    30 Year VA Refi 6.12% 1/29/23
    30 Year USDA Purchase 6.84% 1/29/23
    30 Year USDA Refi 6.82% 1/29/23
    15 Year Conventional Purchase 6.20% 1/29/23
    15 Year Conventional Refi 6.20% 1/29/23
    15 Year Cash-out Refi 6.20% 1/29/23
    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.


    Originations

    4,597

    Origination Dollar Volume (All Markets)

    $1,225,555,000

    Relative Rate

    Integrity Home Mortgage Corp's average 30 year fixed mortgage rate was 3.13%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.02%.

    Relative Fees (Closing Costs)

    Integrity Home Mortgage Corp's average total fees/closing costs for a 30 year fixed rate mortgage were $5,849.

    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) 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.

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

    We use machine learning to identify the top lenders compared against Integrity Home Mortgage Corp based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    CENTRAL VIRGINIA
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    DUPONT COMMUNITY
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    LOANFLIGHT LENDING, LLC
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Integrity Home Mortgage Corp's most frequently originated type of loan was Conventional, with 2,990 originations. Their 2nd most popular type was FHA, with 723 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Integrity Home Mortgage Corp's most frequently cited loan purpose was Home Purchase, with 3,206 originations. The 2nd most popular reason was 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 2021, Integrity Home Mortgage Corp's most frequently cited loan duration was 30 Year, with 4,229 originations. The 2nd most popular length was 15 Year, with 241 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 3,179 $827,275,000 $260,231
    $2k-3k 564 $138,520,000 $245,603
    $3k-4k 294 $74,730,000 $254,184
    $5k+ 267 $101,065,000 $378,521
    $4k-5k 193 $55,365,000 $286,865
    $<1k 100 $28,600,000 $286,000

    Integrity Home Mortgage Corp's average total fees were $5,849, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.13%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    96.78%

    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
    77.88%

    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%