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. 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.83% | 12/2/24 |
| 30 Year Conventional Refi | 6.39% | 12/2/24 |
| 30 Year Cash-out Refi | 6.61% | 12/2/24 |
| 30 Year FHA Purchase | 7.03% | 12/2/24 |
| 30 Year FHA Refi | 6.27% | 12/2/24 |
| 30 Year VA Purchase | 6.37% | 12/2/24 |
| 30 Year VA Refi | 5.81% | 12/2/24 |
| 15 Year Conventional Purchase | 6.78% | 12/2/24 |
| 15 Year Conventional Refi | 6.71% | 12/2/24 |
| 15 Year Cash-out Refi | 6.71% | 12/2/24 |
| 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
163Origination Dollar Volume (All Markets)
$56,525,000Top 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) | 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% |
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 | 96 | $31,450,000 | $327,604 | $6,185 | 4.72% |
| VA | 43 | $16,705,000 | $388,488 | $11,585 | 4.57% |
| FHA | 24 | $8,370,000 | $348,750 | $14,161 | 5.06% |
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
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.
Loan Duration/Length
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
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.
Interest Rates
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.
Loan Sizing
2022 saw Integrity Mortgage & Financial Incorporated place emphasis on $200k-400k loans with 98 originations, totaling $29,810,000 in origination value.
Applicant Income
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.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.71%
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 origination55.83%
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 |
|---|---|---|---|
| 1331.5 | 1 | $345,000 | $345,000 |
| NA | 162 | $56,180,000 | $346,790 |