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. Their top markets by origination volume include: Washington, Hagerstown, Winchester, Harrisonburg, and Roanoke among others. We have data for 27 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 | 6.87% | 11/17/24 |
| 30 Year Conventional Refi | 6.80% | 11/17/24 |
| 30 Year Cash-out Refi | 7.05% | 11/17/24 |
| 30 Year FHA Purchase | 7.45% | 11/17/24 |
| 30 Year FHA Refi | 7.17% | 11/17/24 |
| 30 Year VA Purchase | 6.36% | 11/17/24 |
| 30 Year VA Refi | 6.10% | 11/17/24 |
| 30 Year USDA Purchase | 6.92% | 11/17/24 |
| 30 Year USDA Refi | 7.03% | 11/17/24 |
| 15 Year Conventional Purchase | 6.54% | 11/17/24 |
| 15 Year Conventional Refi | 6.30% | 11/17/24 |
| 15 Year Cash-out Refi | 6.30% | 11/17/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,910Origination Dollar Volume (All Markets)
$434,240,000Awards
Integrity Home Mortgage Corp - 2018
Integrity Home Mortgage Corp is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 536 | $156,010,000 | $291,063 | $6,328 | 4.74% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 414 | $74,920,000 | $180,966 | $5,329 | 4.88% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 278 | $67,600,000 | $243,165 | $5,245 | 4.77% |
| Outside of Metro Areas | 190 | $35,800,000 | $188,421 | $5,285 | 4.76% |
| HARRISONBURG, VA (FHA|USDA|VA) | 126 | $25,840,000 | $205,079 | $5,221 | 4.65% |
| ROANOKE, VA (FHA|USDA|VA) | 121 | $20,095,000 | $166,074 | $4,412 | 4.91% |
| RICHMOND, VA (FHA|USDA|VA) | 72 | $18,750,000 | $260,417 | $5,252 | 4.91% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 82 | $14,300,000 | $174,390 | $5,886 | 4.69% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 20 | $6,260,000 | $313,000 | $5,541 | 4.85% |
| STAUNTON, VA (FHA|USDA|VA) | 26 | $5,390,000 | $207,308 | $5,825 | 4.71% |
| LYNCHBURG, VA (FHA|USDA|VA) | 14 | $2,540,000 | $181,429 | $5,326 | 4.60% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $4,668 | 5.08% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 6 | $1,490,000 | $248,333 | $6,458 | 4.52% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $5,793 | 4.79% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,418 | 4.94% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $9,382 | 4.56% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,897 | 4.69% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,340 | 4.63% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,354 | 4.88% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,780 | 4.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,975 | 5.00% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,206 | 5.13% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,172 | 4.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,844 | 4.50% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,003 | 4.88% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,378 | 4.63% |
| Martinsville, VA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,225 | 5.25% |
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.
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Product Mix
For 2018, Integrity Home Mortgage Corp's most frequently originated type of loan was Conventional, with 927 originations. Their 2nd most popular type was FHA, with 478 originations.
Loan Reason
For 2018, Integrity Home Mortgage Corp's most frequently cited loan purpose was Home Purchase, with 1,734 originations. The 2nd most popular reason was Refi, with 91 originations.
Loan Duration/Length
For 2018, Integrity Home Mortgage Corp's most frequently cited loan duration was 30 Year, with 1,840 originations. The 2nd most popular length was 15 Year, with 44 originations.
Origination Fees/Closing Costs
Integrity Home Mortgage Corp's average total fees were $5,620, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,310 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 1,334 | $319,230,000 | $239,303 |
| 5-6% | 461 | $89,685,000 | $194,544 |
| 3-4% | 107 | $24,535,000 | $229,299 |
| 6-7% | 8 | $790,000 | $98,750 |
During 2018, Integrity Home Mortgage Corp's average interest rate for loans was 4.80%, while their most frequently originated rate bucket for loans was 4-5%, with 1,334 originations.
Loan Sizing
2018 saw Integrity Home Mortgage Corp place emphasis on $200k-400k loans with 873 originations, totaling $236,935,000 in origination value.
Applicant Income
Integrity Home Mortgage Corp lent most frequently to those with incomes in the $50k-75k range, with 528 originations. The second most popular income band? $50k or less, with 455 originations.
Applicant Debt to Income Ratio
Integrity Home Mortgage Corp lent most frequently to those with DTI ratios of 30-36%, with 398 originations. The next most common DTI ratio? 20-30%, with 320 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.85%
Integrity Home Mortgage Corp has an average approval rate.
Pick Rate
Approvals leading to origination80.89%
Integrity Home Mortgage Corp has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,910 | $434,240,000 | $227,351 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 3 | $495,000 | $165,000 |
| Single Family (1-4 Units):Site-Built | 1,907 | $433,745,000 | $227,449 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Integrity First Financial Group | VA mortgage | Closing on a mortgage | 1 | 100.0% |