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% | 4/22/24 |
| 30 Year Conventional Refi | 6.39% | 4/22/24 |
| 30 Year Cash-out Refi | 6.61% | 4/22/24 |
| 30 Year FHA Purchase | 7.03% | 4/22/24 |
| 30 Year FHA Refi | 6.27% | 4/22/24 |
| 30 Year VA Purchase | 6.37% | 4/22/24 |
| 30 Year VA Refi | 5.81% | 4/22/24 |
| 15 Year Conventional Purchase | 6.78% | 4/22/24 |
| 15 Year Conventional Refi | 6.71% | 4/22/24 |
| 15 Year Cash-out Refi | 6.71% | 4/22/24 |
| 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™
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.
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 |