Integrity Mortgage & Financial Incorporated Rates, Fees & InfoPeyton, CO
Tax ID: 11-3654547
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewIntegrity Mortgage & Financial Incorporated is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Integrity Mortgage & Financial Incorporated has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Colorado Springs, Denver, Pueblo, Greeley, and Cañon City among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)
Integrity Mortgage & Financial Incorporated 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 Mortgage & Financial Incorporated 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 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.
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.
|Simulated Rate||Simulation Date|
|30 Year Conventional Purchase||6.83%||5/27/23|
|30 Year Conventional Refi||6.39%||5/27/23|
|30 Year Cash-out Refi||6.61%||5/27/23|
|30 Year FHA Purchase||7.03%||5/27/23|
|30 Year FHA Refi||6.27%||5/27/23|
|30 Year VA Purchase||6.37%||5/27/23|
|30 Year VA Refi||5.81%||5/27/23|
|15 Year Conventional Purchase||6.78%||5/27/23|
|15 Year Conventional Refi||6.71%||5/27/23|
|15 Year Cash-out Refi||6.71%||5/27/23|
|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.|
Integrity Mortgage & Financial Incorporated Mortgage Calculator
Your EstimatesEstimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Integrity Mortgage & Financial Incorporated. 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.
Origination Dollar Volume (All Markets)$56,525,000
Integrity Mortgage & Financial Incorporated's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.03%.
Relative Fees (Closing Costs)
Integrity Mortgage & Financial Incorporated's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,875.
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.
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|
|COLORADO SPRINGS, CO (FHA|USDA|VA)||129||$44,955,000||$348,488||$8,755||4.67%|
|DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA)||8||$3,260,000||$407,500||$5,350||4.82%|
|PUEBLO, CO (FHA|USDA|VA)||7||$2,525,000||$360,714||$10,712||5.13%|
|GREELEY, CO (FHA|USDA|VA)||3||$1,115,000||$371,667||$4,992||4.96%|
|Cañon City, CO (FHA|USDA|VA)||3||$925,000||$308,333||$7,114||5.17%|
|BOULDER, CO (FHA|USDA|VA)||2||$700,000||$350,000||$16,495||5.38%|
|Outside of Metro Areas||2||$660,000||$330,000||$9,109||4.88%|
|GRAND JUNCTION, CO (FHA|USDA|VA)||2||$600,000||$300,000||$5,463||4.31%|
|FORT COLLINS, CO (FHA|USDA|VA)||1||$495,000||$495,000||$19,083||5.75%|
|Craig, CO (FHA|USDA|VA)||2||$450,000||$225,000||$8,373||4.94%|
|Sterling, CO (FHA|USDA|VA)||2||$440,000||$220,000||$9,197||5.00%|
|Fort Morgan, CO (FHA|USDA|VA)||1||$275,000||$275,000||$10,767||4.25%|
|ALBUQUERQUE, NM (FHA|USDA|VA)||1||$125,000||$125,000||$7,477||3.88%|
We use machine learning to identify the top lenders compared against INTEGRITY MORTGAGE & FINANCIAL INCORPORATED based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 588
Similarity Rank: 768
Similarity Rank: 1078
Similarity Rank: 1085
Similarity Rank: 1116
Similarity Rank: 1178
Similarity Rank: 1464
Similarity Rank: 1488
Similarity Rank: 2184
Similarity Rank: 2476
|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Integrity Mortgage & Financial Incorporated's most frequently originated type of loan was Conventional, with 96 originations. Their 2nd most popular type was VA, with 43 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
|Cash Out Refi||53||$16,845,000||$317,830||$8,478||4.55%|
For 2022, Integrity Mortgage & Financial Incorporated's most frequently cited loan purpose was Home Purchase, with 100 originations. The 2nd most popular reason was Cash Out Refi, with 53 originations.
For 2022, Integrity Mortgage & Financial Incorporated's most frequently cited loan duration was 30 Year, with 153 originations. The 2nd most popular length was 15 Year, with 4 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Integrity Mortgage & Financial Incorporated's average total fees were $8,875, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 63 originations.
|Loan Rate||Originations||Total Value||Average Loan|
During 2022, Integrity Mortgage & Financial Incorporated's average interest rate for loans was 4.73%, while their most frequently originated rate bucket for loans was 4-5%, with 49 originations.
2022 saw Integrity Mortgage & Financial Incorporated place emphasis on $200k-400k loans with 98 originations, totaling $29,810,000 in origination value.
Integrity Mortgage & Financial Incorporated lent most frequently to those with incomes in the $50k-75k range, with 52 originations. The second most popular income band? $75k-100k, with 40 originations.
Applicant Debt to Income Ratio
Integrity Mortgage & Financial Incorporated lent most frequently to those with DTI ratios of 20-30%, with 21 originations. The next most common DTI ratio? 50-60%, with 17 originations.
Approval RatesTotal approvals of all applications
Integrity Mortgage & Financial Incorporated has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick RateApprovals leading to origination
Integrity Mortgage & Financial Incorporated has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
|Points||Originations||Total Value||Average Loan|