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 Refi, Cash Out Refi, and Home Purchase 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, Cañon City, and Greeley among others. We have data for 15 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% | 11/17/24 |
| 30 Year Conventional Refi | 6.39% | 11/17/24 |
| 30 Year Cash-out Refi | 6.61% | 11/17/24 |
| 30 Year FHA Purchase | 7.03% | 11/17/24 |
| 30 Year FHA Refi | 6.27% | 11/17/24 |
| 30 Year VA Purchase | 6.37% | 11/17/24 |
| 30 Year VA Refi | 5.81% | 11/17/24 |
| 15 Year Conventional Purchase | 6.78% | 11/17/24 |
| 15 Year Conventional Refi | 6.71% | 11/17/24 |
| 15 Year Cash-out Refi | 6.71% | 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 Mortgage & Financial Incorporated Mortgage Calculator
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This is not an official calculator from Integrity Mortgage & Financial Incorporated. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
591Origination Dollar Volume (All Markets)
$162,805,000Awards
INTEGRITY MORTGAGE & FINANCIAL INCORPORATED - 2020
INTEGRITY MORTGAGE & FINANCIAL INCORPORATED is a 2020 , due to their low .
For 2020, 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 |
|---|---|---|---|---|---|
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 466 | $130,620,000 | $280,300 | $4,533 | 2.93% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 48 | $14,610,000 | $304,375 | $4,819 | 2.94% |
| PUEBLO, CO (FHA|USDA|VA) | 27 | $6,025,000 | $223,148 | $5,627 | 2.89% |
| Cañon City, CO (FHA|USDA|VA) | 15 | $3,525,000 | $235,000 | $5,325 | 3.01% |
| GREELEY, CO (FHA|USDA|VA) | 10 | $2,730,000 | $273,000 | $5,724 | 3.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $5,422 | 3.13% |
| Outside of Metro Areas | 6 | $890,000 | $148,333 | $4,393 | 2.92% |
| Glenwood Springs, CO (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $2,365 | 3.17% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,259 | 3.75% |
| Fort Morgan, CO (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,582 | 2.88% |
| Montrose, CO (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $8,119 | 4.25% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,931 | 3.87% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,476 | 2.50% |
| Edwards, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,525 | 3.88% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,564 | 2.25% |
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 2020, Integrity Mortgage & Financial Incorporated's most frequently originated type of loan was Conventional, with 397 originations. Their 2nd most popular type was VA, with 147 originations.
Loan Reason
For 2020, Integrity Mortgage & Financial Incorporated's most frequently cited loan purpose was Refi, with 331 originations. The 2nd most popular reason was Cash Out Refi, with 140 originations.
Loan Duration/Length
For 2020, Integrity Mortgage & Financial Incorporated's most frequently cited loan duration was 30 Year, with 497 originations. The 2nd most popular length was 15 Year, with 56 originations.
Origination Fees/Closing Costs
Integrity Mortgage & Financial Incorporated's average total fees were $4,779, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 348 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 243 | $67,205,000 | $276,564 |
| 3-4% | 194 | $54,120,000 | $278,969 |
| <2.5% | 139 | $38,255,000 | $275,216 |
| 4-5% | 15 | $3,225,000 | $215,000 |
During 2020, Integrity Mortgage & Financial Incorporated's average interest rate for loans was 2.99%, while their most frequently originated rate bucket for loans was 2.5-3%, with 243 originations.
Loan Sizing
2020 saw Integrity Mortgage & Financial Incorporated place emphasis on $200k-400k loans with 395 originations, totaling $113,915,000 in origination value.
Applicant Income
Integrity Mortgage & Financial Incorporated lent most frequently to those with incomes in the $50k or less range, with 161 originations. The second most popular income band? $50k-75k, with 151 originations.
Applicant Debt to Income Ratio
Integrity Mortgage & Financial Incorporated lent most frequently to those with DTI ratios of 20-30%, with 128 originations. The next most common DTI ratio? 30-36%, with 79 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.59%
Integrity Mortgage & Financial Incorporated has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination82.06%
Integrity Mortgage & Financial Incorporated has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1327.2 | 7 | $2,085,000 | $297,857 |
| 1356.15 | 5 | $1,735,000 | $347,000 |
| 1357.2 | 1 | $465,000 | $465,000 |
| 1361.62 | 1 | $275,000 | $275,000 |
| 1367.16 | 1 | $365,000 | $365,000 |
| 1375.79 | 1 | $245,000 | $245,000 |
| 1397.5 | 1 | $355,000 | $355,000 |
| 1421.16 | 1 | $175,000 | $175,000 |
| 1432.37 | 1 | $145,000 | $145,000 |
| 1445.6 | 1 | $145,000 | $145,000 |
| 1452.42 | 1 | $315,000 | $315,000 |
| 1491.91 | 1 | $275,000 | $275,000 |
| 1501.0 | 1 | $225,000 | $225,000 |
| 1519.1 | 1 | $205,000 | $205,000 |
| 1544.15 | 1 | $475,000 | $475,000 |
| 1549.24 | 1 | $265,000 | $265,000 |
| 1560.34 | 1 | $285,000 | $285,000 |
| 1582.35 | 1 | $135,000 | $135,000 |
| 1602.48 | 1 | $375,000 | $375,000 |
| 1610.55 | 1 | $95,000 | $95,000 |
| 1678.05 | 1 | $305,000 | $305,000 |
| 1687.51 | 1 | $305,000 | $305,000 |
| 1744.75 | 1 | $165,000 | $165,000 |
| 1769.27 | 1 | $155,000 | $155,000 |
| 1910.58 | 1 | $165,000 | $165,000 |
| 2122.32 | 1 | $215,000 | $215,000 |
| 2161.45 | 1 | $365,000 | $365,000 |
| 2269.34 | 1 | $285,000 | $285,000 |
| 2298.15 | 1 | $305,000 | $305,000 |
| 2422.65 | 1 | $285,000 | $285,000 |
| 2450.07 | 1 | $345,000 | $345,000 |
| 2545.38 | 1 | $125,000 | $125,000 |
| 2749.94 | 1 | $315,000 | $315,000 |
| 2954.41 | 1 | $405,000 | $405,000 |
| 3075.18 | 1 | $335,000 | $335,000 |
| 3137.24 | 1 | $145,000 | $145,000 |
| 3175.02 | 1 | $265,000 | $265,000 |
| 3180.28 | 1 | $195,000 | $195,000 |
| 3229.01 | 1 | $215,000 | $215,000 |
| 3368.69 | 1 | $425,000 | $425,000 |
| 3511.5 | 1 | $325,000 | $325,000 |
| 3600.15 | 1 | $245,000 | $245,000 |
| 3892.84 | 1 | $305,000 | $305,000 |
| 4071.37 | 1 | $195,000 | $195,000 |
| 4708.66 | 1 | $265,000 | $265,000 |
| 5174.7 | 1 | $175,000 | $175,000 |
| 5356.15 | 1 | $195,000 | $195,000 |
| 6611.65 | 1 | $335,000 | $335,000 |
| 7334.91 | 1 | $375,000 | $375,000 |
| NA | 532 | $146,430,000 | $275,244 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 6 | $1,130,000 | $188,333 |
| Single Family (1-4 Units):Site-Built | 585 | $161,675,000 | $276,368 |