Integrity Bank & Trust Mortgage Lending & HMDA Data, 2024
In 2024, Integrity Bank & Trust of Monument, CO reported 148 mortgage applications totaling $62.5 million, down 15% from 2023. The average application was for $422,297, and applicants reported an average income of $257,797. 95% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Colorado Springs, CO (117), Denver-Aurora-Lakewood, CO (24) and Pueblo, CO (4) (applications in parentheses).
| Mortgage Company & Address | Integrity Bank & Trust 1275 Village Ridge Point Monument, CO 80132 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 148 |
| Total Mortgage Loan Application Amount | $62,500,000 |
| Average Mortgage Loan Application Amount | $422,297 |
| Highest Mortgage Loan Application Amount | $2,125,000 |
| Average Applicant Income | $257,797 |
| Highest Applicant Income | $1,520,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Integrity Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Integrity Bank & Trust in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 141 | $57,195,000 | $405,000 | $2,125,000 | $246,000 | $967,000 |
| Other Purpose | 3 | $2,695,000 | $898,000 | $1,515,000 | $926,000 | $1,520,000 |
| Refinancing | 2 | $820,000 | $410,000 | $615,000 | $162,000 | $162,000 |
| Home Improvement | 2 | $1,790,000 | $895,000 | $965,000 | $183,000 | $185,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 108 | $32,540,000 | $301,000 | $2,125,000 | $0 | $0 |
| White | 27 | $22,325,000 | $826,000 | $1,745,000 | $321,000 | $1,520,000 |
| Hispanic | 9 | $4,455,000 | $495,000 | $985,000 | $158,000 | $533,000 |
| Not Provided | 2 | $1,910,000 | $955,000 | $1,055,000 | $248,000 | $265,000 |
| Asian | 1 | $655,000 | $655,000 | $655,000 | $316,000 | $316,000 |
| Black or African American | 1 | $615,000 | $615,000 | $615,000 | $162,000 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 148 | $62,500,000 | $422,000 | $2,125,000 | $276,000 | $1,520,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 141 | $58,655,000 | $415,000 | $2,125,000 | $244,000 | $967,000 |
| Application Approved But Not Accepted | 4 | $2,240,000 | $560,000 | $915,000 | $414,000 | $516,000 |
| Application Withdrawn By Applicant | 3 | $1,605,000 | $535,000 | $1,175,000 | $541,000 | $1,520,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 148 | $62,500,000 | $422,000 | $2,125,000 | $276,000 | $1,520,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Integrity Bank & Trust's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Integrity Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Colorado, download the full spreadsheet
with aggregated HMDA statistics today.
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