Integrity Home Mortgage Corp Rates, Fees & Info
WINCHESTER, VALEI: 549300BTTR873E71L054
Tax ID: 55-0873456
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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. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Washington, Hagerstown, Wilmington, Richmond, and Winchester among others. We have data for 94 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.13% | 7/13/25 |
| 30 Year Conventional Refi | 7.01% | 7/13/25 |
| 30 Year Cash-out Refi | 7.36% | 7/13/25 |
| 30 Year FHA Purchase | 7.46% | 7/13/25 |
| 30 Year FHA Refi | 7.22% | 7/13/25 |
| 30 Year VA Purchase | 6.60% | 7/13/25 |
| 30 Year VA Refi | 6.24% | 7/13/25 |
| 30 Year USDA Purchase | 7.05% | 7/13/25 |
| 15 Year Conventional Purchase | 6.31% | 7/13/25 |
| 15 Year Conventional Refi | 6.41% | 7/13/25 |
| 15 Year Cash-out Refi | 6.41% | 7/13/25 |
| 15 Year VA Purchase | 6.19% | 7/13/25 |
| 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
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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
2,622Origination Dollar Volume (All Markets)
$800,970,000Awards
Integrity Home Mortgage Corp - 2024
Integrity Home Mortgage Corp is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Integrity Home Mortgage Corp's average 30 year fixed mortgage rate was
6.68%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.13%.
Relative Fees (Closing Costs)
Integrity Home Mortgage Corp's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,944.
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 $8,356.
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) | 310 | $126,890,000 | $409,323 | $10,591 | 6.64% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 395 | $111,385,000 | $281,987 | $10,096 | 6.61% |
| WILMINGTON, NC (FHA|USDA|VA) | 130 | $52,990,000 | $407,615 | $6,483 | 6.87% |
| RICHMOND, VA (FHA|USDA|VA) | 166 | $51,710,000 | $311,506 | $8,883 | 6.72% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 156 | $50,410,000 | $323,141 | $8,413 | 6.79% |
| Outside of Metro Areas | 184 | $44,860,000 | $243,804 | $8,416 | 6.71% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 124 | $41,490,000 | $334,597 | $10,870 | 6.78% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 108 | $28,930,000 | $267,870 | $6,926 | 6.46% |
| HARRISONBURG, VA (FHA|USDA|VA) | 96 | $27,190,000 | $283,229 | $8,392 | 6.65% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 116 | $24,770,000 | $213,534 | $8,194 | 6.04% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 70 | $21,350,000 | $305,000 | $5,938 | 7.03% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 66 | $20,630,000 | $312,576 | $7,421 | 6.72% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 43 | $13,875,000 | $322,674 | $13,013 | 6.10% |
| COLUMBIA, SC (FHA|USDA|VA) | 49 | $13,675,000 | $279,082 | $5,341 | 6.43% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 42 | $13,370,000 | $318,333 | $9,526 | 6.35% |
| LYNCHBURG, VA (FHA|USDA|VA) | 47 | $10,595,000 | $225,426 | $7,891 | 6.92% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 30 | $10,490,000 | $349,667 | $7,053 | 6.92% |
| GREENVILLE, NC (FHA|USDA|VA) | 37 | $10,335,000 | $279,324 | $7,354 | 6.71% |
| Wilson, NC (FHA|USDA|VA) | 36 | $9,980,000 | $277,222 | $7,156 | 6.69% |
| STAUNTON, VA (FHA|USDA|VA) | 38 | $9,700,000 | $255,263 | $8,224 | 6.70% |
| GETTYSBURG, PA (FHA|USDA|VA) | 27 | $9,475,000 | $350,926 | $12,378 | 6.38% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 22 | $8,310,000 | $377,727 | $10,372 | 6.82% |
| ROANOKE, VA (FHA|USDA|VA) | 34 | $7,970,000 | $234,412 | $6,780 | 6.70% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 28 | $7,140,000 | $255,000 | $5,914 | 6.67% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 27 | $6,735,000 | $249,444 | $7,901 | 6.91% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 14 | $5,150,000 | $367,857 | $8,471 | 7.15% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 20 | $4,650,000 | $232,500 | $10,526 | 5.56% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 22 | $4,260,000 | $193,636 | $6,950 | 7.05% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 18 | $4,010,000 | $222,778 | $7,892 | 6.42% |
| NEW BERN, NC (FHA|USDA|VA) | 13 | $3,725,000 | $286,538 | $5,899 | 6.83% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 8 | $3,040,000 | $380,000 | $10,354 | 6.55% |
| Morehead City, NC (FHA|USDA|VA) | 6 | $2,460,000 | $410,000 | $9,320 | 6.92% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 7 | $2,385,000 | $340,714 | $11,062 | 6.61% |
| MORGANTOWN, WV (FHA|USDA|VA) | 8 | $2,370,000 | $296,250 | $12,470 | 7.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 7 | $2,235,000 | $319,286 | $8,667 | 6.71% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 8 | $2,060,000 | $257,500 | $6,180 | 6.70% |
| Washington, NC (FHA|USDA|VA) | 6 | $1,910,000 | $318,333 | $9,094 | 6.94% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $1,600,000 | $800,000 | $7,865 | 7.31% |
| Lumberton, NC (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $8,845 | 7.52% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $1,565,000 | $313,000 | $7,535 | 6.10% |
| GOLDSBORO, NC (FHA|USDA|VA) | 7 | $1,395,000 | $199,286 | $6,548 | 7.07% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 4 | $1,390,000 | $347,500 | $8,160 | 6.88% |
| Shelby, NC (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $6,539 | 7.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $7,601 | 6.63% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $12,353 | 7.38% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $1,110,000 | $277,500 | $5,737 | 7.25% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 7 | $995,000 | $142,143 | $6,518 | 6.52% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $4,159 | 5.88% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $800 | 5.75% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $18,534 | 7.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $15,119 | 7.06% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $800 | 7.25% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $10,933 | 6.75% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $15,347 | 6.25% |
| Danville, VA (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $6,172 | 7.06% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,275 | 7.06% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $7,730 | 7.25% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $5,747 | 6.88% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $22,642 | 6.63% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $11,213 | 6.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $12,079 | 6.75% |
| TULSA, OK (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,954 | 7.13% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,531 | 6.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,453 | 6.25% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,226 | 6.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,300 | 7.63% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 7.50% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $12,479 | 6.13% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,152 | 5.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,660 | 6.88% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,837 | 7.00% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $675 | 6.13% |
| Marietta, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,420 | 7.13% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,544 | 6.63% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,438 | 5.75% |
| ALTOONA, PA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $9,419 | 7.19% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $650 | 6.13% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,474 | 5.50% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,501 | 7.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,559 | 5.63% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,084 | 6.75% |
| Kinston, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,046 | 5.75% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.50% |
| Paris, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,182 | 6.00% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,138 | 6.50% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,779 | 6.88% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $3,397 | 3.19% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,568 | 6.25% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,876 | 6.88% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,929 | 5.75% |
| Fairmont, WV (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,840 | 6.63% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.88% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,162 | 7.25% |
| Seneca, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,354 | 5.75% |
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Product Mix
For 2024, Integrity Home Mortgage Corp's most frequently originated type of loan was Conventional, with 1,490 originations. Their 2nd most popular type was FHA, with 678 originations.
Loan Reason
For 2024, Integrity Home Mortgage Corp's most frequently cited loan purpose was Home Purchase, with 2,398 originations. The 2nd most popular reason was Cash Out Refi, with 117 originations.
Loan Duration/Length
For 2024, Integrity Home Mortgage Corp's most frequently cited loan duration was 30 Year, with 2,531 originations. The 2nd most popular length was 10 Year, with 48 originations.
Origination Fees/Closing Costs
Integrity Home Mortgage Corp's average total fees were $8,944, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 695 originations.
Interest Rates
During 2024, Integrity Home Mortgage Corp's average interest rate for loans was 6.68%, while their most frequently originated rate bucket for loans was 6-7%, with 1,486 originations.
Loan Sizing
2024 saw Integrity Home Mortgage Corp place emphasis on $200k-400k loans with 1,531 originations, totaling $434,885,000 in origination value.
Applicant Income
Integrity Home Mortgage Corp lent most frequently to those with incomes in the $100k-150k range, with 719 originations. The second most popular income band? $50k-75k, with 561 originations.
Applicant Debt to Income Ratio
Integrity Home Mortgage Corp lent most frequently to those with DTI ratios of 30-36%, with 452 originations. The next most common DTI ratio? 20-30%, with 344 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.36%
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 origination73.72%
Integrity Home Mortgage Corp has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,622 | $800,970,000 | $305,481 |