Integrity Home Mortgage Corp Rates, Fees & Info

WINCHESTER, VA

LEI: 549300BTTR873E71L054

Tax ID: 55-0873456

3.3 stars - Updated: 7/14/24 - out of 5 stars, based on 44 reviews

Latest/2023 | 2022 Data | 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. They have a low ratio of USDA loans. Their top markets by origination volume include: Hagerstown, Washington, Winchester, Richmond, and Wilmington among others. We have data for 78 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 a high 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 relatively high 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% 7/14/24
30 Year Conventional Refi 6.80% 7/14/24
30 Year Cash-out Refi 7.05% 7/14/24
30 Year FHA Purchase 7.45% 7/14/24
30 Year FHA Refi 7.17% 7/14/24
30 Year VA Purchase 6.36% 7/14/24
30 Year VA Refi 6.10% 7/14/24
30 Year USDA Purchase 6.92% 7/14/24
30 Year USDA Refi 7.03% 7/14/24
15 Year Conventional Purchase 6.54% 7/14/24
15 Year Conventional Refi 6.30% 7/14/24
15 Year Cash-out Refi 6.30% 7/14/24
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

1,971

Origination Dollar Volume (All Markets)

$581,375,000

Awards

Integrity Home Mortgage Corp VA Loans gold Integrity Home Mortgage Corp FHA Loans bronze Integrity Home Mortgage Corp USDA Loans gold Integrity Home Mortgage Corp USDA Loans gold
Show all (4) awards

Relative Rate

Integrity Home Mortgage Corp's average 30 year fixed mortgage rate was 6.84%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.36%.

Relative Fees (Closing Costs)

Integrity Home Mortgage Corp's average total fees/closing costs for a 30 year fixed rate mortgage were $9,696.

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 $9,089.

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
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 379 $95,635,000 $252,335 $10,589 6.92%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 248 $93,560,000 $377,258 $12,084 6.70%
WINCHESTER, VA-WV (FHA|USDA|VA) 159 $51,145,000 $321,667 $10,220 6.83%
RICHMOND, VA (FHA|USDA|VA) 141 $42,975,000 $304,787 $9,501 6.82%
Outside of Metro Areas 153 $36,435,000 $238,137 $9,146 7.03%
WILMINGTON, NC (FHA|USDA|VA) 99 $35,265,000 $356,212 $7,055 7.09%
RALEIGH-CARY, NC (FHA|USDA|VA) 71 $23,275,000 $327,817 $7,307 6.81%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 66 $20,710,000 $313,788 $7,308 7.04%
HARRISONBURG, VA (FHA|USDA|VA) 73 $19,725,000 $270,205 $8,211 6.62%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 53 $19,385,000 $365,755 $9,794 7.25%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 76 $18,420,000 $242,368 $10,271 6.67%
GREENVILLE, NC (FHA|USDA|VA) 39 $10,945,000 $280,641 $7,632 6.79%
STAUNTON, VA (FHA|USDA|VA) 41 $10,355,000 $252,561 $8,377 6.96%
LYNCHBURG, VA (FHA|USDA|VA) 42 $9,800,000 $233,333 $8,153 7.03%
FAYETTEVILLE, NC (FHA|USDA|VA) 39 $9,195,000 $235,769 $6,005 6.75%
GETTYSBURG, PA (FHA|USDA|VA) 28 $7,380,000 $263,571 $12,031 6.13%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 16 $6,250,000 $390,625 $13,923 7.06%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 12 $5,520,000 $460,000 $12,392 7.16%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 15 $5,095,000 $339,667 $6,430 6.94%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 16 $5,080,000 $317,500 $6,172 7.09%
JACKSONVILLE, NC (FHA|USDA|VA) 18 $4,200,000 $233,333 $7,999 7.02%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 13 $4,145,000 $318,846 $13,280 7.39%
Wilson, NC (FHA|USDA|VA) 16 $3,920,000 $245,000 $7,420 7.15%
YORK-HANOVER, PA (FHA|USDA|VA) 12 $2,920,000 $243,333 $13,018 6.02%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 9 $2,665,000 $296,111 $8,063 7.10%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $2,620,000 $262,000 $9,532 7.36%
ROCKY MOUNT, NC (FHA|USDA|VA) 11 $2,605,000 $236,818 $7,811 6.20%
GOLDSBORO, NC (FHA|USDA|VA) 12 $2,160,000 $180,000 $7,193 5.92%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 8 $2,030,000 $253,750 $14,078 6.13%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $1,770,000 $885,000 $19,903 7.06%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 6 $1,710,000 $285,000 $10,400 6.60%
BURLINGTON, NC (FHA|USDA|VA) 8 $1,590,000 $198,750 $6,348 6.41%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $1,500,000 $250,000 $9,795 6.52%
Key West, FL (FHA|USDA|VA) 2 $1,440,000 $720,000 $7,199 6.63%
PITTSBURGH, PA (FHA|USDA|VA) 5 $1,345,000 $269,000 $11,962 6.65%
WINSTON-SALEM, NC (FHA|USDA|VA) 4 $1,200,000 $300,000 $8,732 7.38%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,060,000 $530,000 $10,691 7.25%
NEW BERN, NC (FHA|USDA|VA) 2 $970,000 $485,000 $18,301 7.13%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $725,000 $725,000 $4,536 6.88%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $720,000 $360,000 $12,966 6.75%
CUMBERLAND, MD-WV (FHA|USDA|VA) 4 $700,000 $175,000 $8,342 7.03%
Morehead City, NC (FHA|USDA|VA) 2 $680,000 $340,000 $7,516 7.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $615,000 $615,000 $6,769 7.63%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $610,000 $305,000 $7,565 6.88%
ROANOKE, VA (FHA|USDA|VA) 2 $600,000 $300,000 $8,025 8.13%
Lumberton, NC (FHA|USDA|VA) 3 $595,000 $198,333 $6,247 6.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $580,000 $290,000 $8,864 7.06%
Boone, NC (FHA|USDA|VA) 1 $575,000 $575,000 $11,378 7.63%
ASHEVILLE, NC (FHA|USDA|VA) 2 $520,000 $260,000 $8,499 8.75%
COLUMBUS, OH (FHA|USDA|VA) 1 $515,000 $515,000 $14,965 6.50%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $495,000 $495,000 $11,086 6.25%
Kinston, NC (FHA|USDA|VA) 3 $485,000 $161,667 $5,665 6.75%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $485,000 $485,000 $4,816 6.63%
Cullowhee, NC (FHA|USDA|VA) 2 $460,000 $230,000 $7,078 6.50%
Clarksburg, WV (FHA|USDA|VA) 2 $450,000 $225,000 $7,836 6.69%
Washington, NC (FHA|USDA|VA) 2 $420,000 $210,000 $5,724 6.63%
Georgetown, SC (FHA|USDA|VA) 1 $415,000 $415,000 $12,668 6.00%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $335,000 $335,000 $20,539 6.88%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $325,000 $325,000 $11,494 8.13%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $315,000 $315,000 $10,962 7.13%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $305,000 $305,000 $10,061 6.75%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $295,000 $295,000 $9,073 7.63%
SPARTANBURG, SC (FHA|USDA|VA) 1 $285,000 $285,000 $5,184 6.50%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $275,000 $275,000 $1,134 7.13%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $275,000 $275,000 $0 6.00%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $245,000 $245,000 $10,405 6.25%
Albemarle, NC (FHA|USDA|VA) 1 $235,000 $235,000 $6,217 8.00%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $230,000 $115,000 $10,093 5.13%
LANCASTER, PA (FHA|USDA|VA) 1 $215,000 $215,000 $6,712 6.50%
Brevard, NC (FHA|USDA|VA) 1 $195,000 $195,000 $6,656 6.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $185,000 $185,000 $7,036 7.13%
Danville, VA (FHA|USDA|VA) 2 $180,000 $90,000 $7,670 7.75%
MORGANTOWN, WV (FHA|USDA|VA) 1 $175,000 $175,000 $5,794 7.13%
Shelby, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,882 7.25%
Somerset, PA (FHA|USDA|VA) 1 $145,000 $145,000 $4,243 7.63%
Huntingdon, PA (FHA|USDA|VA) 2 $130,000 $65,000 $8,207 3.81%
Henderson, NC (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.63%
Mount Airy, NC (FHA|USDA|VA) 1 $115,000 $115,000 $7,809 5.88%
Integrity Home Mortgage Corp's top markets include Hagerstown, Washington, Winchester, Richmond, and Wilmington among others.

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

    PARK VIEW FEDERAL CREDIT UNION
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    DUPONT COMMUNITY
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    JOHNSON MORTGAGE COMPANY, L.L.C.
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    Shea Mortgage Inc.
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    DRAGAS MORTGAGE COMPANY
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    IDB Global Federal Credit Union
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,150 $333,100,000 $289,652 $7,886 6.99%
    FHA 504 $141,540,000 $280,833 $12,737 6.73%
    VA 211 $81,445,000 $385,995 $10,763 6.58%
    USDA 106 $25,290,000 $238,585 $9,787 6.51%

    For 2023, Integrity Home Mortgage Corp's most frequently originated type of loan was Conventional, with 1,150 originations. Their 2nd most popular type was FHA, with 504 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,829 $539,855,000 $295,164 $9,659 6.85%
    Cash Out Refi 82 $20,210,000 $246,463 $9,163 7.07%
    Refi 60 $21,310,000 $355,167 $10,479 6.77%

    For 2023, Integrity Home Mortgage Corp's most frequently cited loan purpose was Home Purchase, with 1,829 originations. The 2nd most popular reason was Cash Out Refi, with 82 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,912 $574,330,000 $300,382 $9,696 6.84%
    10 Year 31 $475,000 $15,323 $4,691 9.14%
    15 Year 24 $5,330,000 $222,083 $7,680 5.26%
    20 Year 3 $785,000 $261,667 $8,315 6.29%
    30+ year 1 $455,000 $455,000 $0 8.88%

    For 2023, Integrity Home Mortgage Corp's most frequently cited loan duration was 30 Year, with 1,912 originations. The 2nd most popular length was 10 Year, with 31 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 759 $270,575,000 $356,489
    $3k-4k 274 $67,050,000 $244,708
    $1k-2k 270 $78,750,000 $291,667
    $4k-5k 270 $75,940,000 $281,259
    $2k-3k 178 $43,440,000 $244,045
    $<1k 134 $25,740,000 $192,090

    Integrity Home Mortgage Corp's average total fees were $9,696, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 759 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 963 $289,805,000 $300,940
    7-8% 681 $200,665,000 $294,662
    5-6% 221 $69,975,000 $316,629
    Over 8% 92 $19,600,000 $213,043
    <2.5% 9 $105,000 $11,667
    4-5% 4 $1,210,000 $302,500
    2.5-3% 1 $15,000 $15,000

    During 2023, Integrity Home Mortgage Corp's average interest rate for loans was 6.84%, while their most frequently originated rate bucket for loans was 6-7%, with 963 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,151 $327,105,000 $284,192 $9,571 6.82%
    $100k-200k 374 $60,520,000 $161,818 $6,621 6.92%
    $400k-600k 273 $127,855,000 $468,333 $12,261 6.86%
    $100,000 or less 89 $2,835,000 $31,854 $4,259 7.05%
    $600k-1MM 77 $53,745,000 $697,987 $16,514 6.85%
    $1MM+ 7 $9,315,000 $1,330,714 $17,172 6.63%

    2023 saw Integrity Home Mortgage Corp place emphasis on $200k-400k loans with 1,151 originations, totaling $327,105,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 519 $164,855,000 $317,640 $10,538 6.88%
    $50k-75k 456 $99,050,000 $217,215 $8,267 6.75%
    $75k-100k 436 $116,310,000 $266,766 $9,616 6.88%
    $150k-250k 276 $110,550,000 $400,543 $11,395 6.89%
    $50k or less 157 $26,245,000 $167,166 $7,265 6.77%
    $250k+ 120 $62,110,000 $517,583 $10,686 7.19%

    Integrity Home Mortgage Corp lent most frequently to those with incomes in the $100k-150k range, with 519 originations. The second most popular income band? $50k-75k, with 456 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 318 $88,080,000 $276,981 $9,312 6.82%
    20-30% 243 $72,465,000 $298,210 $8,419 6.75%
    50-60% 166 $55,130,000 $332,108 $12,573 6.70%
    44% 106 $31,780,000 $299,811 $9,644 6.89%
    49% 101 $32,845,000 $325,198 $9,544 7.01%
    43% 97 $27,605,000 $284,588 $9,738 6.84%
    40% 90 $24,740,000 $274,889 $9,530 6.93%
    45% 88 $25,840,000 $293,636 $10,473 7.01%
    48% 87 $27,165,000 $312,241 $9,375 6.79%
    47% 85 $26,665,000 $313,706 $10,026 6.78%
    42% 80 $26,170,000 $327,125 $10,064 6.86%
    41% 79 $22,475,000 $284,494 $9,077 6.92%
    46% 79 $22,735,000 $287,785 $9,384 6.82%
    38% 77 $19,385,000 $251,753 $8,785 6.95%
    <20% 74 $20,780,000 $280,811 $7,822 7.04%
    39% 71 $20,505,000 $288,803 $10,220 6.76%
    37% 62 $19,220,000 $310,000 $9,782 6.72%
    36% 53 $14,045,000 $265,000 $10,438 6.91%

    Integrity Home Mortgage Corp lent most frequently to those with DTI ratios of 30-36%, with 318 originations. The next most common DTI ratio? 20-30%, with 243 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,439 $427,655,000 $297,189 $9,503 6.84%
    Not provided 337 $95,425,000 $283,160 $9,912 6.92%
    Black 133 $36,575,000 $275,000 $10,676 6.81%
    Asian 43 $14,895,000 $346,395 $10,087 7.09%
    American Indian 13 $4,405,000 $338,846 $11,537 6.59%
    Asian Indian 3 $1,445,000 $481,667 $8,945 7.33%
    Native Hawaiian or Islander 2 $810,000 $405,000 $7,973 6.63%
    Other Asian 1 $165,000 $165,000 $0 7.50%

    Approval Rates

    Total approvals of all applications
    96.02%

    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
    73.41%

    Integrity Home Mortgage Corp has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,971 $581,375,000 $294,964

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,971 $581,375,000 $294,964

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 48 $7,540,000 $157,083 $5,702 6.69%
    40-60% 137 $32,735,000 $238,942 $7,105 6.76%
    60-80% 398 $121,410,000 $305,050 $8,533 7.03%
    80-100% 1,259 $392,365,000 $311,648 $9,998 6.82%
    Over 100% 62 $26,130,000 $421,452 $17,851 6.57%
    Under 20% 67 $1,195,000 $17,836 $3,779 7.09%