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, 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.
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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
2,192Origination Dollar Volume (All Markets)
$634,790,000Awards
Integrity Home Mortgage Corp - 2022
Integrity Home Mortgage Corp is a 2022 , due to their low .
For 2022, 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) | 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% |
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Product Mix
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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications95.87%
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 origination78.56%
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 |