Integrity Mortgage Corporation of Texas
We analyzed every closed loan from Integrity Mortgage Corporation of Texas — 549 loans across 655 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Single State · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,614)
Explore another lender or local market
Report Card
Integrity Mortgage Corporation of Texas performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+26.3 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
460 loans · 0.28% above market
Sound
Top 60% of lenders
3/5
FHA
61 loans · 0.40% above market
Strong
Top 40% of lenders
4/5
VA
24 loans · 0.33% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
513 loans · 0.25% above market
Sound
Top 60% of lenders
3/5
Refinance
36 loans · 0.37% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Single State · 4 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 460 | 83.8% | +0.276%Above | $4,754Fees | ||||
FHA Loans | 61 | 11.1% | +0.399%Above | $3,658Fees | ||||
VA Loans | — | 24 | 4.4% | -0.328%Below | $4,571Fees |
Conventional
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume460
Mix83.8%
Spread
+0.276%Above
Fees
$4,754Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume61
Mix11.1%
Spread
+0.399%Above
Fees
$3,658Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume24
Mix4.4%
Spread
-0.328%Below
Fees
$4,571Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 513 | 93.4% | +0.254%Above | $4,601Fees | ||||
Refinance | 36 | 6.6% | +0.371%Above | $4,782Fees |
Purchase
OverallSound
ProductSound
PricingMediocre
Pull ThroughSound
Volume513
Mix93.4%
Spread
+0.254%Above
Fees
$4,601Fees
Refinance
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughStrong
Volume36
Mix6.6%
Spread
+0.371%Above
Fees
$4,782Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
549
Applications
655
Volume
$203 million
Pricing & Closing
Avg Rate Spread
+0.263%
vs. market APOR
Avg Net Fees
$4,614
Origination − Credits
Pullthrough Rate
83.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$370,847
Avg Borrower Income
$175,765
Avg Property Value
$489,681
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
1
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
1Full-year 2024 · HMDALoans originated
< 500500+None
South1
TX
Top Metro Areas by Place Specialization Score
2© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 67Mix 12.20% of portfolio
66/100
Strong
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.