Integrity Mortgage Corporation of Texas at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
94th0.9% deniedPricingmedian rate spread over APOR, weight 30%
57th0.22 ptsProcesswithdrawn + incomplete share, weight 15%
38th14.4%Closing coststotal loan costs ÷ loan amount, weight 10%
31st2.44% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 728 | 621 | 1.1% | 1.3% | 6.63% | $220M |
| 2024 | 655 | 549 | 0.6% | 0.7% | 6.63% | $204M |
| 2025 | 630 | 534 | 0.8% | 0.9% | 6.62% | $199M |
What Integrity Mortgage Corporation of Texas lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 44 investment properties.
Why Integrity Mortgage Corporation of Texas denies applications
Primary reason reported for each of the 5 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Integrity Mortgage Corporation of Texas
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 126 | 110 | 0.9% |
| $100k – $150k | 162 | 138 | 0.7% |
| $150k – $250k | 210 | 174 | 1.1% |
| Over $250k | 118 | 102 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 23 | 19 | 5.0% |
| 25–34 | 179 | 153 | 0.0% |
| 35–44 | 198 | 164 | 2.4% |
| 45–54 | 107 | 92 | 0.0% |
| 55–64 | 63 | 53 | 0.0% |
| 65–74 | 50 | 43 | 0.0% |
Where Integrity Mortgage Corporation of Texas lends
1 states and 47 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 630 | 534 | 0.8% | 6.62% | #225 |
Frequently asked questions
Integrity Mortgage Corporation of Texas denied 0.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 94th percentile of small mortgage lenders.
The most common reason Integrity Mortgage Corporation of Texas gave in 2025 was "debt-to-income ratio", cited on 60.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Integrity Mortgage Corporation of Texas originated in 2025 was 6.62%, and its median rate spread over the average prime offer rate was 0.22 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 88% of its applications were for home purchases, 12% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 82% conventional, 11% FHA, 8% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.