Integrity First Financial Group Mortgage Rates, Fees & Info
SAN DIEGO, CALEI: 549300VN6R2RF61VB858
Tax ID: 20-5239910
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Mortgage Data
Review & Overview
Integrity First Financial Group is a smaller mortgage company specializing in Home Purchase loans. Integrity First Financial Group 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: Fresno, Phoenix, Madera, Dallas, and San Diego among others. We have data for 72 markets. (Some data included below & more in-depth data is available with an active subscription.)Integrity First Financial Group 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 First Financial Group 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.
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Originations
1,106Origination Dollar Volume (All Markets)
$246,880,000Awards
Integrity First Financial Group - 2018
Integrity First Financial Group is a 2018 , due to their low .
For 2018, 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 |
|---|---|---|---|---|---|
| FRESNO, CA (FHA|USDA|VA) | 402 | $85,760,000 | $213,333 | $5,095 | 4.87% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 77 | $12,015,000 | $156,039 | $6,850 | 5.17% |
| MADERA, CA (FHA|USDA|VA) | 50 | $11,880,000 | $237,600 | $6,251 | 5.06% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 39 | $10,165,000 | $260,641 | $7,206 | 5.44% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 26 | $10,010,000 | $385,000 | $8,475 | 4.72% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 39 | $8,645,000 | $221,667 | $8,203 | 5.16% |
| MODESTO, CA (FHA|USDA|VA) | 39 | $8,295,000 | $212,692 | $8,199 | 5.25% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 33 | $7,735,000 | $234,394 | $7,548 | 5.16% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 24 | $7,550,000 | $314,583 | $9,058 | 4.79% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 20 | $5,800,000 | $290,000 | $11,147 | 5.37% |
| VISALIA, CA (FHA|USDA|VA) | 36 | $5,540,000 | $153,889 | $5,791 | 4.88% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 10 | $5,400,000 | $540,000 | $9,618 | 5.13% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 20 | $5,120,000 | $256,000 | $5,874 | 5.63% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 21 | $4,525,000 | $215,476 | $5,857 | 4.61% |
| STOCKTON, CA (FHA|USDA|VA) | 21 | $4,375,000 | $208,333 | $8,943 | 5.06% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 14 | $4,310,000 | $307,857 | $8,072 | 5.47% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 22 | $4,070,000 | $185,000 | $5,593 | 4.77% |
| APPLETON, WI (FHA|USDA|VA) | 27 | $3,725,000 | $137,963 | $4,066 | 5.44% |
| Outside of Metro Areas | 17 | $3,475,000 | $204,412 | $6,049 | 5.39% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 11 | $3,065,000 | $278,636 | $6,257 | 5.06% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 16 | $2,910,000 | $181,875 | $7,349 | 5.32% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 10 | $2,830,000 | $283,000 | $9,335 | 5.14% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 17 | $2,625,000 | $154,412 | $5,773 | 5.10% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $2,535,000 | $362,143 | $7,216 | 4.88% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 9 | $1,505,000 | $167,222 | $4,079 | 4.66% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $1,370,000 | $228,333 | $6,828 | 4.93% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $6,390 | 4.83% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $8,350 | 5.91% |
| MERCED, CA (FHA|USDA|VA) | 7 | $1,245,000 | $177,857 | $5,823 | 4.16% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $15,275 | 6.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $23,760 | 6.13% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $4,552 | 5.09% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $6,147 | 5.53% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 6 | $860,000 | $143,333 | $7,200 | 4.85% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $6,300 | 5.21% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $7,311 | 5.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $7,929 | 5.59% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $10,963 | 5.56% |
| GREEN BAY, WI (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $4,938 | 5.31% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $9,247 | 4.75% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,828 | 5.67% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $4,211 | 5.63% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $5,465 | 5.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $12,316 | 4.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,950 | 4.63% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,637 | 4.75% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $8,261 | 5.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,183 | 4.63% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,817 | 4.25% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,662 | 5.63% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,248 | 4.50% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,592 | 5.25% |
| RACINE, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,577 | 5.25% |
| BEND, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,664 | 5.13% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,330 | 4.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,323 | 5.50% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,802 | 5.25% |
| Key West, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,425 | 5.38% |
| Shelbyville, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,910 | 4.88% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,976 | 4.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,349 | 4.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,932 | 5.50% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,360 | 4.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,687 | 4.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,449 | 4.88% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,283 | 5.75% |
| Shawano, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,371 | 5.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,029 | 4.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,980 | 4.25% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,856 | 5.63% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,340 | 5.38% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,069 | 5.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Integrity First Financial Group 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 First Financial Group's most frequently originated type of loan was Conventional, with 747 originations. Their 2nd most popular type was FHA, with 288 originations.
Loan Reason
For 2018, Integrity First Financial Group's most frequently cited loan purpose was Home Purchase, with 910 originations. The 2nd most popular reason was Cash Out Refi, with 131 originations.
Loan Duration/Length
For 2018, Integrity First Financial Group's most frequently cited loan duration was 30 Year, with 1,050 originations. The 2nd most popular length was 15 Year, with 24 originations.
Origination Fees/Closing Costs
Integrity First Financial Group's average total fees were $6,472, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 498 originations.
Interest Rates
During 2018, Integrity First Financial Group's average interest rate for loans was 5.04%, while their most frequently originated rate bucket for loans was 4-5%, with 481 originations.
Loan Sizing
2018 saw Integrity First Financial Group place emphasis on $200k-400k loans with 533 originations, totaling $147,605,000 in origination value.
Applicant Income
Integrity First Financial Group lent most frequently to those with incomes in the $50k-75k range, with 348 originations. The second most popular income band? $50k or less, with 253 originations.
Applicant Debt to Income Ratio
Integrity First Financial Group lent most frequently to those with DTI ratios of 30-36%, with 145 originations. The next most common DTI ratio? 20-30%, with 103 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.01%
Integrity First Financial Group has an average approval rate.
Pick Rate
Approvals leading to origination59.13%
Integrity First Financial Group 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 |
|---|---|---|---|
| 0.0 | 14 | $450,000 | $32,143 |
| NA | 1,092 | $246,430,000 | $225,668 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 10 | $1,490,000 | $149,000 |
| Single Family (1-4 Units):Site-Built | 1,096 | $245,390,000 | $223,896 |
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% |