Integrity Mortgage & Financial Incorporated Rates, Fees & Info
Peyton, COLEI: 549300EE4TIFHU1Z3G10
Tax ID: 11-3654547
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Mortgage Data
Review & Overview
Integrity 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. They have a low ratio of USDA loans. Their top markets by origination volume include: Colorado Springs, Denver, Pueblo, Edwards, and Greeley among others. We have data for 14 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 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 | 6.83% | 11/21/24 |
| 30 Year Conventional Refi | 6.39% | 11/21/24 |
| 30 Year Cash-out Refi | 6.61% | 11/21/24 |
| 30 Year FHA Purchase | 7.03% | 11/21/24 |
| 30 Year FHA Refi | 6.27% | 11/21/24 |
| 30 Year VA Purchase | 6.37% | 11/21/24 |
| 30 Year VA Refi | 5.81% | 11/21/24 |
| 15 Year Conventional Purchase | 6.78% | 11/21/24 |
| 15 Year Conventional Refi | 6.71% | 11/21/24 |
| 15 Year Cash-out Refi | 6.71% | 11/21/24 |
| 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 Mortgage & Financial Incorporated Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
184Origination Dollar Volume (All Markets)
$47,670,000Top 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 |
|---|---|---|---|---|---|
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 136 | $34,500,000 | $253,676 | $6,129 | 4.87% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 23 | $6,695,000 | $291,087 | $7,208 | 4.97% |
| PUEBLO, CO (FHA|USDA|VA) | 7 | $1,665,000 | $237,857 | $6,988 | 5.05% |
| Edwards, CO (FHA|USDA|VA) | 3 | $1,175,000 | $391,667 | $4,334 | 4.33% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $7,862 | 4.92% |
| Outside of Metro Areas | 3 | $515,000 | $171,667 | $6,145 | 4.83% |
| Cañon City, CO (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,438 | 5.19% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 4.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,385 | 4.63% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,145 | 4.75% |
| Montrose, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,811 | 5.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,586 | 4.75% |
| Craig, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,709 | 5.75% |
| Sterling, CO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,444 | 5.63% |
Similar Lenders
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.
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Product Mix
For 2018, Integrity Mortgage & Financial Incorporated's most frequently originated type of loan was Conventional, with 96 originations. Their 2nd most popular type was FHA, with 48 originations.
Loan Reason
For 2018, Integrity Mortgage & Financial Incorporated's most frequently cited loan purpose was Home Purchase, with 107 originations. The 2nd most popular reason was Cash Out Refi, with 65 originations.
Loan Duration/Length
For 2018, Integrity Mortgage & Financial Incorporated's most frequently cited loan duration was 30 Year, with 170 originations. The 2nd most popular length was 15 Year, with 5 originations.
Origination Fees/Closing Costs
Integrity Mortgage & Financial Incorporated's average total fees were $6,478, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 84 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 120 | $31,860,000 | $265,500 |
| 5-6% | 55 | $13,035,000 | $237,000 |
| 3-4% | 7 | $2,315,000 | $330,714 |
| 6-7% | 2 | $460,000 | $230,000 |
During 2018, Integrity Mortgage & Financial Incorporated's average interest rate for loans was 4.91%, while their most frequently originated rate bucket for loans was 4-5%, with 120 originations.
Loan Sizing
2018 saw Integrity Mortgage & Financial Incorporated place emphasis on $200k-400k loans with 121 originations, totaling $33,055,000 in origination value.
Applicant Income
Integrity Mortgage & Financial Incorporated lent most frequently to those with incomes in the $50k-75k range, with 59 originations. The second most popular income band? $75k-100k, with 39 originations.
Applicant Debt to Income Ratio
Integrity Mortgage & Financial Incorporated lent most frequently to those with DTI ratios of 30-36%, with 35 originations. The next most common DTI ratio? 50-60%, with 24 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.15%
Integrity Mortgage & Financial Incorporated has an average approval rate.
Pick Rate
Approvals leading to origination38.04%
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 |
|---|---|---|---|
| 1019.65 | 1 | $165,000 | $165,000 |
| 1319.65 | 1 | $385,000 | $385,000 |
| 1326.15 | 3 | $675,000 | $225,000 |
| 1339.15 | 1 | $265,000 | $265,000 |
| 1354.05 | 3 | $815,000 | $271,667 |
| 1382.2 | 1 | $225,000 | $225,000 |
| 1415.4 | 1 | $255,000 | $255,000 |
| 1540.18 | 1 | $215,000 | $215,000 |
| 1540.57 | 1 | $155,000 | $155,000 |
| 1648.11 | 1 | $365,000 | $365,000 |
| 1662.76 | 1 | $105,000 | $105,000 |
| 1809.83 | 1 | $215,000 | $215,000 |
| 2078.65 | 1 | $215,000 | $215,000 |
| 2089.73 | 1 | $395,000 | $395,000 |
| 2104.25 | 1 | $255,000 | $255,000 |
| 2209.0 | 1 | $295,000 | $295,000 |
| 2252.71 | 1 | $325,000 | $325,000 |
| 2258.05 | 1 | $215,000 | $215,000 |
| 2374.3 | 1 | $265,000 | $265,000 |
| 2406.62 | 1 | $275,000 | $275,000 |
| 2604.34 | 1 | $435,000 | $435,000 |
| 2703.25 | 1 | $185,000 | $185,000 |
| 2714.05 | 1 | $205,000 | $205,000 |
| 2847.37 | 1 | $135,000 | $135,000 |
| 2919.15 | 1 | $115,000 | $115,000 |
| 3106.5 | 1 | $165,000 | $165,000 |
| 3512.05 | 1 | $185,000 | $185,000 |
| 3782.13 | 1 | $455,000 | $455,000 |
| 4239.45 | 1 | $195,000 | $195,000 |
| 4338.2 | 1 | $435,000 | $435,000 |
| 4835.09 | 1 | $215,000 | $215,000 |
| 5107.23 | 1 | $145,000 | $145,000 |
| 5286.45 | 1 | $515,000 | $515,000 |
| NA | 147 | $38,205,000 | $259,898 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 6 | $1,660,000 | $276,667 |
| Single Family (1-4 Units):Site-Built | 178 | $46,010,000 | $258,483 |
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% |