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 Cash Out Refi, Home Purchase, and 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 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
259Origination Dollar Volume (All Markets)
$70,975,000Top 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) | 197 | $54,905,000 | $278,706 | $7,244 | 4.09% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 23 | $6,955,000 | $302,391 | $9,211 | 4.25% |
| PUEBLO, CO (FHA|USDA|VA) | 15 | $3,265,000 | $217,667 | $6,721 | 4.18% |
| GREELEY, CO (FHA|USDA|VA) | 8 | $2,300,000 | $287,500 | $5,166 | 4.22% |
| Cañon City, CO (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $7,424 | 4.55% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $3,514 | 4.63% |
| Edwards, CO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 3.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,999 | 4.00% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.88% |
| Montrose, CO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 3.88% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.99% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,960 | 4.88% |
| Craig, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,766 | 4.13% |
| Outside of Metro Areas | 1 | $165,000 | $165,000 | $3,628 | 5.38% |
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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 112 | $28,600,000 | $255,357 | $4,672 | 4.28% |
| VA | 79 | $24,975,000 | $316,139 | $9,657 | 3.99% |
| FHA | 68 | $17,400,000 | $255,882 | $8,330 | 4.06% |
For 2019, Integrity Mortgage & Financial Incorporated's most frequently originated type of loan was Conventional, with 112 originations. Their 2nd most popular type was VA, with 79 originations.
Loan Reason
For 2019, Integrity Mortgage & Financial Incorporated's most frequently cited loan purpose was Cash Out Refi, with 102 originations. The 2nd most popular reason was Home Purchase, with 94 originations.
Loan Duration/Length
For 2019, Integrity Mortgage & Financial Incorporated's most frequently cited loan duration was 30 Year, with 243 originations. The 2nd most popular length was 15 Year, with 9 originations.
Origination Fees/Closing Costs
Integrity Mortgage & Financial Incorporated's average total fees were $7,429, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 98 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 129 | $35,715,000 | $276,860 |
| 4-5% | 120 | $32,680,000 | $272,333 |
| 5-6% | 10 | $2,580,000 | $258,000 |
During 2019, Integrity Mortgage & Financial Incorporated's average interest rate for loans was 4.15%, while their most frequently originated rate bucket for loans was 3-4%, with 129 originations.
Loan Sizing
2019 saw Integrity Mortgage & Financial Incorporated place emphasis on $200k-400k loans with 197 originations, totaling $55,365,000 in origination value.
Applicant Income
Integrity Mortgage & Financial Incorporated lent most frequently to those with incomes in the $50k-75k range, with 89 originations. The second most popular income band? $50k or less, with 64 originations.
Applicant Debt to Income Ratio
Integrity Mortgage & Financial Incorporated lent most frequently to those with DTI ratios of 30-36%, with 39 originations. The next most common DTI ratio? 20-30%, with 29 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.13%
Integrity Mortgage & Financial Incorporated has an average approval rate.
Pick Rate
Approvals leading to origination53.67%
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 |
|---|---|---|---|
| 1326.02 | 1 | $245,000 | $245,000 |
| 1326.15 | 9 | $2,465,000 | $273,889 |
| 1354.05 | 17 | $5,345,000 | $314,412 |
| 1410.35 | 1 | $285,000 | $285,000 |
| 1554.05 | 1 | $125,000 | $125,000 |
| 1569.56 | 1 | $215,000 | $215,000 |
| 1615.84 | 1 | $175,000 | $175,000 |
| 1637.77 | 1 | $425,000 | $425,000 |
| 1662.25 | 1 | $255,000 | $255,000 |
| 1686.26 | 1 | $265,000 | $265,000 |
| 1738.64 | 1 | $315,000 | $315,000 |
| 1779.44 | 1 | $155,000 | $155,000 |
| 1824.15 | 1 | $345,000 | $345,000 |
| 1824.63 | 1 | $335,000 | $335,000 |
| 1827.75 | 1 | $165,000 | $165,000 |
| 1836.39 | 1 | $275,000 | $275,000 |
| 1850.18 | 1 | $285,000 | $285,000 |
| 1912.15 | 1 | $215,000 | $215,000 |
| 1940.09 | 1 | $245,000 | $245,000 |
| 1944.96 | 1 | $145,000 | $145,000 |
| 1967.21 | 1 | $245,000 | $245,000 |
| 1986.27 | 1 | $215,000 | $215,000 |
| 2081.85 | 1 | $165,000 | $165,000 |
| 2104.39 | 1 | $155,000 | $155,000 |
| 2199.67 | 1 | $305,000 | $305,000 |
| 2210.93 | 1 | $195,000 | $195,000 |
| 2211.17 | 1 | $245,000 | $245,000 |
| 2290.72 | 1 | $255,000 | $255,000 |
| 2321.12 | 1 | $215,000 | $215,000 |
| 2335.95 | 1 | $275,000 | $275,000 |
| 2349.59 | 1 | $135,000 | $135,000 |
| 2363.37 | 1 | $275,000 | $275,000 |
| 2427.1 | 1 | $235,000 | $235,000 |
| 2432.36 | 1 | $285,000 | $285,000 |
| 2432.85 | 1 | $215,000 | $215,000 |
| 2448.12 | 1 | $325,000 | $325,000 |
| 2478.6 | 1 | $175,000 | $175,000 |
| 2610.78 | 1 | $165,000 | $165,000 |
| 2700.35 | 1 | $155,000 | $155,000 |
| 2715.56 | 1 | $315,000 | $315,000 |
| 2826.19 | 1 | $345,000 | $345,000 |
| 2827.63 | 1 | $345,000 | $345,000 |
| 2845.8 | 1 | $385,000 | $385,000 |
| 2871.01 | 1 | $455,000 | $455,000 |
| 2958.06 | 1 | $245,000 | $245,000 |
| 3247.21 | 1 | $215,000 | $215,000 |
| 3271.4 | 1 | $165,000 | $165,000 |
| 3281.45 | 1 | $115,000 | $115,000 |
| 3309.38 | 1 | $235,000 | $235,000 |
| 3452.44 | 1 | $145,000 | $145,000 |
| 3549.35 | 1 | $285,000 | $285,000 |
| 3607.32 | 1 | $155,000 | $155,000 |
| 3848.25 | 1 | $255,000 | $255,000 |
| 3895.93 | 1 | $305,000 | $305,000 |
| 3907.05 | 1 | $255,000 | $255,000 |
| 3918.15 | 1 | $215,000 | $215,000 |
| 3975.3 | 1 | $215,000 | $215,000 |
| 3984.67 | 1 | $215,000 | $215,000 |
| 4103.72 | 1 | $135,000 | $135,000 |
| 4312.62 | 1 | $285,000 | $285,000 |
| 4349.16 | 1 | $215,000 | $215,000 |
| 4383.78 | 1 | $205,000 | $205,000 |
| 4536.33 | 1 | $275,000 | $275,000 |
| 4562.25 | 1 | $255,000 | $255,000 |
| 4573.6 | 1 | $265,000 | $265,000 |
| 5036.05 | 1 | $355,000 | $355,000 |
| 5143.93 | 1 | $185,000 | $185,000 |
| 5173.43 | 1 | $205,000 | $205,000 |
| 5343.75 | 1 | $355,000 | $355,000 |
| 5495.34 | 1 | $255,000 | $255,000 |
| 5516.82 | 1 | $275,000 | $275,000 |
| 5533.69 | 1 | $485,000 | $485,000 |
| 5563.18 | 1 | $265,000 | $265,000 |
| 5565.59 | 1 | $255,000 | $255,000 |
| 5898.41 | 1 | $305,000 | $305,000 |
| 6474.22 | 1 | $335,000 | $335,000 |
| 6630.62 | 1 | $255,000 | $255,000 |
| 6913.15 | 1 | $375,000 | $375,000 |
| 7018.96 | 1 | $365,000 | $365,000 |
| 7780.15 | 1 | $275,000 | $275,000 |
| 8157.02 | 1 | $355,000 | $355,000 |
| NA | 154 | $43,060,000 | $279,610 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 8 | $1,930,000 | $241,250 |
| Single Family (1-4 Units):Site-Built | 251 | $69,045,000 | $275,080 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Integrity Financial Corp. DBA US Loan Servicing | Other type of mortgage | Closing on a mortgage | 1 | 100.0% |