Integrity Mortgage Corporation Of Texas Rates, Fees & Info

DALLAS, TX

LEI: 549300VZN1TWBN1WY406

Tax ID: 75-2623852

3.6 stars - Updated: 10/29/24 - out of 5 stars, based on 25 reviews

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Mortgage Data

Review & Overview

Integrity Mortgage Corporation Of Texas is a smaller mortgage company specializing in Home Purchase loans. Integrity Mortgage Corporation Of Texas has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Dallas, Houston, Tyler, Athens, and Sherman among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)

Integrity Mortgage Corporation Of Texas 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 Corporation Of Texas 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 relatively high 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.28% 10/29/24
30 Year Conventional Refi 6.06% 10/29/24
30 Year Cash-out Refi 6.18% 10/29/24
30 Year FHA Purchase 6.92% 10/29/24
30 Year VA Purchase 5.90% 10/29/24
30 Year USDA Purchase 6.27% 10/29/24
15 Year Conventional Purchase 5.71% 10/29/24
15 Year Conventional Refi 5.53% 10/29/24
15 Year Cash-out Refi 5.53% 10/29/24
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 Corporation Of Texas Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Integrity Mortgage Corporation Of Texas. 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

621

Origination Dollar Volume (All Markets)

$220,215,000

Awards

INTEGRITY MORTGAGE CORPORATION OF TEXAS FHA Loans bronze
Show all (1) awards

Relative Rate

Integrity Mortgage Corporation Of Texas's average 30 year fixed mortgage rate was 6.65%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.17%.

Relative Fees (Closing Costs)

Integrity Mortgage Corporation Of Texas's average total fees/closing costs for a 30 year fixed rate mortgage were $10,020.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

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
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 522 $192,830,000 $369,406 $10,126 6.62%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 13 $4,465,000 $343,462 $9,690 6.25%
TYLER, TX (FHA|USDA|VA) 13 $4,145,000 $318,846 $9,939 6.90%
Outside of Metro Areas 17 $4,065,000 $239,118 $8,749 6.72%
Athens, TX (FHA|USDA|VA) 14 $3,680,000 $262,857 $9,350 6.74%
SHERMAN-DENISON, TX (FHA|USDA|VA) 7 $1,655,000 $236,429 $7,251 6.75%
Sulphur Springs, TX (FHA|USDA|VA) 3 $995,000 $331,667 $12,316 6.54%
VICTORIA, TX (FHA|USDA|VA) 4 $970,000 $242,500 $10,267 7.03%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $940,000 $470,000 $15,201 6.81%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 3 $805,000 $268,333 $7,843 7.08%
LUBBOCK, TX (FHA|USDA|VA) 3 $795,000 $265,000 $8,966 6.54%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $640,000 $320,000 $12,577 6.99%
Jacksonville, TX (FHA|USDA|VA) 3 $595,000 $198,333 $10,434 6.79%
LONGVIEW, TX (FHA|USDA|VA) 2 $570,000 $285,000 $11,354 6.44%
Corsicana, TX (FHA|USDA|VA) 3 $565,000 $188,333 $7,571 6.70%
Bonham, TX (FHA|USDA|VA) 2 $520,000 $260,000 $7,712 6.75%
WACO, TX (FHA|USDA|VA) 2 $510,000 $255,000 $5,722 6.68%
Granbury, TX (FHA|USDA|VA) 1 $375,000 $375,000 $21,812 6.75%
ODESSA, TX (FHA|USDA|VA) 1 $355,000 $355,000 $18,442 5.75%
Alice, TX (FHA|USDA|VA) 1 $225,000 $225,000 $7,337 6.38%
Levelland, TX (FHA|USDA|VA) 1 $215,000 $215,000 $9,937 6.75%
Paris, TX (FHA|USDA|VA) 1 $175,000 $175,000 $2,092 7.50%
Palestine, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.99%
Integrity Mortgage Corporation Of Texas's top markets include Dallas, Houston, Tyler, Athens, and Sherman among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against INTEGRITY MORTGAGE CORPORATION OF TEXAS 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 528 $187,440,000 $355,000 $9,364 6.69%
    FHA 62 $20,660,000 $333,226 $13,681 6.34%
    VA 31 $12,115,000 $390,806 $12,994 6.35%

    For 2023, Integrity Mortgage Corporation Of Texas's most frequently originated type of loan was Conventional, with 528 originations. Their 2nd most popular type was FHA, with 62 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 595 $212,675,000 $357,437 $10,110 6.62%
    Cash Out Refi 20 $4,960,000 $248,000 $8,496 7.05%
    Refi 6 $2,580,000 $430,000 $7,952 6.70%

    For 2023, Integrity Mortgage Corporation Of Texas's most frequently cited loan purpose was Home Purchase, with 595 originations. The 2nd most popular reason was Cash Out Refi, with 20 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 612 $217,410,000 $355,245 $10,020 6.65%
    15 Year 7 $2,265,000 $323,571 $12,072 6.16%
    20 Year 2 $540,000 $270,000 $9,828 5.63%

    For 2023, Integrity Mortgage Corporation Of Texas's most frequently cited loan duration was 30 Year, with 612 originations. The 2nd most popular length was 15 Year, with 7 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 306 $123,360,000 $403,137
    $1k-2k 85 $28,585,000 $336,294
    $4k-5k 70 $21,250,000 $303,571
    $3k-4k 55 $13,645,000 $248,091
    $2k-3k 40 $11,040,000 $276,000

    Integrity Mortgage Corporation Of Texas's average total fees were $10,020, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 306 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 397 $140,825,000 $354,723
    7-8% 115 $42,135,000 $366,391
    5-6% 105 $36,185,000 $344,619
    Over 8% 3 $705,000 $235,000
    4-5% 1 $365,000 $365,000

    During 2023, Integrity Mortgage Corporation Of Texas's average interest rate for loans was 6.65%, while their most frequently originated rate bucket for loans was 6-7%, with 397 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 339 $102,455,000 $302,227 $9,535 6.65%
    $400k-600k 151 $72,715,000 $481,556 $12,045 6.61%
    $100k-200k 77 $12,355,000 $160,455 $6,110 6.60%
    $600k-1MM 45 $30,035,000 $667,444 $13,776 6.70%
    $100,000 or less 7 $585,000 $83,571 $4,515 6.44%
    $1MM+ 2 $2,070,000 $1,035,000 $22,147 6.31%

    2023 saw Integrity Mortgage Corporation Of Texas place emphasis on $200k-400k loans with 339 originations, totaling $102,455,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 191 $64,945,000 $340,026 $9,833 6.61%
    $150k-250k 181 $76,925,000 $425,000 $10,750 6.69%
    $75k-100k 98 $26,020,000 $265,510 $9,299 6.59%
    $250k+ 77 $37,385,000 $485,519 $12,047 6.76%
    $50k-75k 60 $12,940,000 $215,667 $8,014 6.49%
    $50k or less 14 $2,000,000 $142,857 $5,320 6.60%

    Integrity Mortgage Corporation Of Texas lent most frequently to those with incomes in the $100k-150k range, with 191 originations. The second most popular income band? $150k-250k, with 181 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 128 $45,810,000 $357,891 $9,634 6.60%
    20-30% 93 $32,935,000 $354,140 $9,501 6.59%
    40% 42 $15,460,000 $368,095 $9,895 6.88%
    46% 32 $10,480,000 $327,500 $9,807 6.83%
    49% 31 $11,005,000 $355,000 $11,372 6.48%
    45% 27 $9,585,000 $355,000 $8,427 6.66%
    <20% 25 $8,125,000 $325,000 $10,042 6.72%
    37% 25 $7,775,000 $311,000 $10,658 6.53%
    42% 25 $8,765,000 $350,600 $10,048 6.83%
    44% 25 $8,775,000 $351,000 $10,468 6.61%
    39% 24 $8,520,000 $355,000 $9,416 6.78%
    36% 23 $8,735,000 $379,783 $10,806 6.62%
    38% 23 $7,925,000 $344,565 $9,429 6.45%
    47% 23 $8,155,000 $354,565 $9,991 6.48%
    48% 23 $8,885,000 $386,304 $11,740 6.49%
    41% 22 $7,880,000 $358,182 $10,720 6.83%
    43% 17 $6,535,000 $384,412 $8,948 6.53%
    50-60% 13 $4,865,000 $374,231 $14,901 6.52%

    Integrity Mortgage Corporation Of Texas lent most frequently to those with DTI ratios of 30-36%, with 128 originations. The next most common DTI ratio? 20-30%, with 93 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 504 $180,750,000 $358,631 $10,051 6.64%
    Not provided 58 $18,260,000 $314,828 $9,265 6.83%
    Asian 31 $11,875,000 $383,065 $11,498 6.30%
    Black 18 $5,640,000 $313,333 $10,079 6.60%
    Asian Indian 8 $2,840,000 $355,000 $8,253 6.65%
    Chinese 1 $525,000 $525,000 $0 6.99%
    American Indian 1 $325,000 $325,000 $11,650 6.75%

    Approval Rates

    Total approvals of all applications
    98.91%

    Integrity Mortgage Corporation Of Texas has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    84.54%

    Integrity Mortgage Corporation Of Texas has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 621 $220,215,000 $354,614

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    621 $220,215,000 $354,614

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 22 $4,580,000 $208,182 $6,539 6.41%
    40-60% 51 $13,745,000 $269,510 $8,354 6.42%
    60-80% 164 $58,590,000 $357,256 $10,034 6.69%
    80-100% 375 $140,705,000 $375,213 $10,330 6.66%
    Over 100% 6 $2,270,000 $378,333 $20,716 6.21%
    Under 20% 3 $325,000 $108,333 $4,472 6.63%