# INTEGRITY MORTGAGE & FINANCIAL INCORPORATED

> **Canonical URL:** https://saferate.com/lenders/integrity-mortgage-financial-incorporated


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


INTEGRITY MORTGAGE & FINANCIAL INCORPORATED is a independent mortgage company, headquartered in ELBERT, CO, with 54 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 82% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300EE4TIFHU1Z3G10
- **Headquarters:** ELBERT, CO
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** CO
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 18/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.181%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,809
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 54
- **Dollar Volume:** $21 million
- **Applications Received:** 71
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $391,667
- **Average Borrower Income:** $118,500
- **Average Property Value:** $470,556

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 18/100 | 17 | +0.269% | $4,811 | Mediocre 😐 |
| FHA | 56/100 | 20 | +0.359% | $4,712 | Sound ☺️ |
| VA | 59/100 | 17 | -0.147% | $4,925 | Sound ☺️ |

### Product Performance by Purpose

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 30/100 | 43 | $17M | +0.207% | Acceptable 🙂 |
| Refinance | 22/100 | 11 | $4M | +0.058% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 54 | 0.06% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Colorado Springs, CO | CO | 44 | 69/100 |

## Frequently Asked Questions

### What loan types does INTEGRITY MORTGAGE & FINANCIAL INCORPORATED offer?

INTEGRITY MORTGAGE & FINANCIAL INCORPORATED offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does INTEGRITY MORTGAGE & FINANCIAL INCORPORATED offer mortgages?

INTEGRITY MORTGAGE & FINANCIAL INCORPORATED offers mortgages in 1 states: CO.

### How competitive are INTEGRITY MORTGAGE & FINANCIAL INCORPORATED's mortgage rates?

INTEGRITY MORTGAGE & FINANCIAL INCORPORATED has a pricing score of 18/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.181% above market average.

### What type of lender is INTEGRITY MORTGAGE & FINANCIAL INCORPORATED?

INTEGRITY MORTGAGE & FINANCIAL INCORPORATED is a non-depository lender that specializes in mortgage origination, headquartered in ELBERT, CO.

### What is INTEGRITY MORTGAGE & FINANCIAL INCORPORATED's loan approval success rate?

INTEGRITY MORTGAGE & FINANCIAL INCORPORATED has a pull-through score of 44/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/integrity-mortgage-financial-incorporated

### How to Cite

> "INTEGRITY MORTGAGE & FINANCIAL INCORPORATED Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/integrity-mortgage-financial-incorporated

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