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IMF

Integrity Mortgage & Financial Incorporated

Independent Mortgage CompanyElbert, COHQDirectReviews near you on Google

Integrity Mortgage & Financial Incorporated has 54 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate 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

Safe Rate 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
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Mediocre
Bottom 20% of lenders
FHA
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Bottom 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Single State · 1 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Mediocre
Pricing
Pull Through
Acceptable
Volume17
Mix31.5%
Spread
+0.269%Above
Fees
$4,811Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Pull Through
Strong
Volume20
Mix37.0%
Spread
+0.359%Above
Fees
$4,712Fees
VA Loans
Overall
Strong
Product
Sound
Pricing
Pull Through
Strong
Volume17
Mix31.5%
Spread
-0.147%Below
Fees
$4,925Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Sound
Volume43
Mix79.6%
Spread
+0.207%Above
Fees
$4,938Fees
Refinance
Overall
Acceptable
Product
Acceptable
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

1
1 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
West1
CO

Top Metro Areas by Place Specialization Score

1© Xnatedawgx · CC BY-SA 4.0
Colorado Springs, COMetro
Volume 44Mix 81.48% of portfolio
69/100
Strong

Top States by Place Specialization Score

Colorado
Colorado
1
ColoradoState
Volume 54Mix 100.00% of portfolio
65/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 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.