Integrity Mortgage Corporation Of Texas Rates, Fees & Info
DALLAS, TXLEI: 549300VZN1TWBN1WY406
Tax ID: 75-2623852
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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, St. Louis, Austin, Sherman, and Houston 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 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 | 6.28% | 4/21/24 |
| 30 Year Conventional Refi | 6.06% | 4/21/24 |
| 30 Year Cash-out Refi | 6.18% | 4/21/24 |
| 30 Year FHA Purchase | 6.92% | 4/21/24 |
| 30 Year VA Purchase | 5.90% | 4/21/24 |
| 30 Year USDA Purchase | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 5.71% | 4/21/24 |
| 15 Year Conventional Refi | 5.53% | 4/21/24 |
| 15 Year Cash-out Refi | 5.53% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
666Origination Dollar Volume (All Markets)
$169,010,000Top 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 |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 487 | $130,055,000 | $267,053 | $6,388 | 4.76% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 133 | $28,805,000 | $216,579 | $3,802 | 4.81% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $5,242 | 4.52% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $6,975 | 4.79% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $6,416 | 4.75% |
| Athens, TX (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $3,487 | 5.00% |
| Outside of Metro Areas | 5 | $665,000 | $133,000 | $4,785 | 4.95% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,397 | 4.69% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $11,031 | 4.75% |
| TYLER, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,224 | 4.81% |
| Bonham, TX (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,542 | 4.94% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $5,580 | 4.75% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,633 | 4.50% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,008 | 4.38% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,929 | 4.81% |
| Granbury, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,357 | 4.95% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,780 | 4.88% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,595 | 4.63% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,439 | 5.13% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,845 | 4.63% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,579 | 4.75% |
| WACO, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,010 | 4.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,174 | 5.00% |
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 | 561 | $142,595,000 | $254,180 | $5,486 | 4.79% |
| FHA | 79 | $19,155,000 | $242,468 | $7,283 | 4.66% |
| VA | 26 | $7,260,000 | $279,231 | $8,968 | 4.61% |
For 2018, Integrity Mortgage Corporation Of Texas's most frequently originated type of loan was Conventional, with 561 originations. Their 2nd most popular type was FHA, with 79 originations.
Loan Reason
For 2018, Integrity Mortgage Corporation Of Texas's most frequently cited loan purpose was Home Purchase, with 547 originations. The 2nd most popular reason was Cash Out Refi, with 72 originations.
Loan Duration/Length
For 2018, Integrity Mortgage Corporation Of Texas's most frequently cited loan duration was 30 Year, with 608 originations. The 2nd most popular length was 15 Year, with 34 originations.
Origination Fees/Closing Costs
Integrity Mortgage Corporation Of Texas's average total fees were $5,886, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 237 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 530 | $137,960,000 | $260,302 |
| 5-6% | 112 | $25,550,000 | $228,125 |
| 3-4% | 24 | $5,500,000 | $229,167 |
During 2018, Integrity Mortgage Corporation Of Texas's average interest rate for loans was 4.81%, while their most frequently originated rate bucket for loans was 4-5%, with 530 originations.
Loan Sizing
2018 saw Integrity Mortgage Corporation Of Texas place emphasis on $200k-400k loans with 385 originations, totaling $105,995,000 in origination value.
Applicant Income
Integrity Mortgage Corporation Of Texas lent most frequently to those with incomes in the $100k-150k range, with 187 originations. The second most popular income band? $50k-75k, with 159 originations.
Applicant Debt to Income Ratio
Integrity Mortgage Corporation Of Texas lent most frequently to those with DTI ratios of 20-30%, with 129 originations. The next most common DTI ratio? 30-36%, with 121 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.49%
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 origination80.78%
Integrity Mortgage Corporation Of Texas has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 990.0 | 1 | $195,000 | $195,000 |
| NA | 665 | $168,815,000 | $253,857 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 666 | $169,010,000 | $253,769 |
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% |