Integrity Mortgage & Financial Incorporated
Integrity Mortgage & Financial Incorporated has 54 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Strong
4/5
Single State · 1 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,809)
Explore another lender or local market
Report Card
Integrity Mortgage & Financial Incorporated performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+18.1 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
17 loans · 0.27% above market
Mediocre
Bottom 20% of lenders
1/5
FHA
20 loans · 0.36% above market
Sound
Top 60% of lenders
3/5
VA
17 loans · 0.15% below market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
43 loans · 0.21% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
11 loans · 0.06% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Single State · 1 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 17 | 31.5% | +0.269%Above | $4,811Fees | |||
FHA Loans | — | 20 | 37.0% | +0.359%Above | $4,712Fees | |||
VA Loans | — | 17 | 31.5% | -0.147%Below | $4,925Fees |
Conventional
OverallAcceptable
ProductMediocre
Pricing—
Pull ThroughAcceptable
Volume17
Mix31.5%
Spread
+0.269%Above
Fees
$4,811Fees
FHA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume20
Mix37.0%
Spread
+0.359%Above
Fees
$4,712Fees
VA Loans
OverallStrong
ProductSound
Pricing—
Pull ThroughStrong
Volume17
Mix31.5%
Spread
-0.147%Below
Fees
$4,925Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 43 | 79.6% | +0.207%Above | $4,938Fees | ||||
Refinance | — | — | 11 | 20.4% | +0.058%Above | $4,211Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingMediocre
Pull ThroughSound
Volume43
Mix79.6%
Spread
+0.207%Above
Fees
$4,938Fees
Refinance
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume11
Mix20.4%
Spread
+0.058%Above
Fees
$4,211Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
54
Applications
71
Volume
$21 million
Pricing & Closing
Avg Rate Spread
+0.181%
vs. market APOR
Avg Net Fees
$4,809
Origination − Credits
Pullthrough Rate
76.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$391,667
Avg Borrower Income
$118,500
Avg Property Value
$470,556
Geographic Coverage
Geographic Performance
Metro Areas
1
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
< 5050+None
West1
CO
Top Metro Areas by Place Specialization Score
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.