Integrity First Financial Group, Inc. Mortgage Lending & HMDA Data, 2014
In 2014, Integrity First Financial Group, Inc. of San Diego, CA reported 846 mortgage applications totaling $239.0 million, up 4% from 2013. The average application was for $282,509, and applicants reported an average income of $105,404. 67% of its applications resulted in an originated loan and 6% were denied. Its largest markets were San Diego-Carlsbad, CA (156), Cambridge-Newton-Framingham, MA (66) and Riverside-San Bernardino-Ontario, CA (54) (applications in parentheses).
| Mortgage Company & Address | Integrity First Financial Group, Inc. 6333 Greenwich Drive Suite 280 San Diego, CA 92122 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 2014 2013 2012 2010 2009 |
| Total Number of Mortgage Applications | 846 |
| Total Mortgage Loan Application Amount | $239,003,000 |
| Average Mortgage Loan Application Amount | $282,509 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $105,404 |
| Highest Applicant Income | $1,089,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Integrity First Financial Group, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego, California | 156 | $ 57,500,000 | $ 368,589 | $ 143,000 |
| Los Angeles, California | 38 | $ 16,496,000 | $ 434,105 | $ 140,000 |
| Lee, Florida | 38 | $ 5,353,000 | $ 140,868 | $ 75,000 |
| Essex, Massachusetts | 35 | $ 9,723,000 | $ 277,800 | $ 91,000 |
| Riverside, California | 32 | $ 7,356,000 | $ 229,875 | $ 79,000 |
| Orange, California | 31 | $ 13,037,000 | $ 420,548 | $ 144,000 |
| Middlesex, Massachusetts | 31 | $ 10,407,000 | $ 335,709 | $ 124,000 |
| Suffolk, Massachusetts | 25 | $ 9,334,000 | $ 373,360 | $ 111,000 |
| Contra Costa, California | 24 | $ 8,946,000 | $ 372,750 | $ 119,000 |
| San Bernardino, California | 22 | $ 4,957,000 | $ 225,318 | $ 95,000 |
| Montgomery, Pennsylvania | 22 | $ 5,285,000 | $ 240,227 | $ 123,000 |
| Fresno, California | 19 | $ 3,278,000 | $ 172,526 | $ 76,000 |
| Alameda, California | 17 | $ 5,777,000 | $ 339,823 | $ 115,000 |
| Davidson, Tennessee | 17 | $ 2,775,000 | $ 163,235 | $ 53,000 |
| Cabarrus, North Carolina | 16 | $ 2,563,000 | $ 160,187 | $ 57,000 |
| Norfolk, Massachusetts | 13 | $ 5,042,000 | $ 387,846 | $ 174,000 |
| Sacramento, California | 11 | $ 2,496,000 | $ 226,909 | $ 125,000 |
| Philadelphia, Pennsylvania | 11 | $ 2,087,000 | $ 189,727 | $ 74,000 |
| Stanislaus, California | 10 | $ 1,631,000 | $ 163,100 | $ 65,000 |
| Santa Clara, California | 9 | $ 4,043,000 | $ 449,222 | $ 157,000 |
| Bucks, Pennsylvania | 9 | $ 2,856,000 | $ 317,333 | $ 140,000 |
| Pinal, Arizona | 8 | $ 1,053,000 | $ 131,625 | $ 41,000 |
| Arapahoe, Colorado | 8 | $ 1,650,000 | $ 206,250 | $ 52,000 |
| San Joaquin, California | 7 | $ 1,563,000 | $ 223,285 | $ 64,000 |
| Baltimore, Maryland | 7 | $ 1,714,000 | $ 244,857 | $ 96,000 |
| Fairfield, Connecticut | 6 | $ 1,111,000 | $ 185,166 | $ 80,000 |
| Plymouth, Massachusetts | 6 | $ 1,453,000 | $ 242,166 | $ 72,000 |
| Chester, Pennsylvania | 6 | $ 1,620,000 | $ 270,000 | $ 77,000 |
| Tulare, California | 5 | $ 864,000 | $ 172,800 | $ 78,000 |
| Hillsborough, Florida | 5 | $ 758,000 | $ 151,600 | $ 66,000 |
| Madera, California | 4 | $ 748,000 | $ 187,000 | $ 54,000 |
| Denver, Colorado | 4 | $ 890,000 | $ 222,500 | $ 338,000 |
| Jefferson, Colorado | 4 | $ 1,123,000 | $ 280,750 | $ 329,000 |
| Duval, Florida | 4 | $ 656,000 | $ 164,000 | $ 0 |
| Baltimore City, Maryland | 4 | $ 673,000 | $ 168,250 | $ 70,000 |
| Merced, California | 3 | $ 592,000 | $ 197,333 | $ 95,000 |
| Sonoma, California | 3 | $ 943,000 | $ 314,333 | $ 116,000 |
| Adams, Colorado | 3 | $ 505,000 | $ 168,333 | $ 44,000 |
| New Castle, Delaware | 3 | $ 611,000 | $ 203,666 | $ 79,000 |
| Harford, Maryland | 3 | $ 1,149,000 | $ 383,000 | $ 87,000 |
| Bristol, Massachusetts | 3 | $ 937,000 | $ 312,333 | $ 112,000 |
| Camden, New Jersey | 3 | $ 497,000 | $ 165,666 | $ 121,000 |
| Union, New Jersey | 3 | $ 1,660,000 | $ 553,333 | $ 172,000 |
| Union, North Carolina | 3 | $ 426,000 | $ 142,000 | $ 42,000 |
| Delaware, Pennsylvania | 3 | $ 1,371,000 | $ 457,000 | $ 133,000 |
| Knox, Tennessee | 3 | $ 353,000 | $ 117,666 | $ 48,000 |
| Burnet, Texas | 3 | $ 294,000 | $ 98,000 | $ 55,000 |
| Tarrant, Texas | 3 | $ 624,000 | $ 208,000 | $ 64,000 |
| Chesterfield, Virginia | 3 | $ 481,000 | $ 160,333 | $ 40,000 |
| Mohave, Arizona | 2 | $ 271,000 | $ 135,500 | $ 30,000 |
| Napa, California | 2 | $ 786,000 | $ 393,000 | $ 132,000 |
| Placer, California | 2 | $ 469,000 | $ 234,500 | $ 58,000 |
| Santa Cruz, California | 2 | $ 1,300,000 | $ 650,000 | $ 107,000 |
| Solano, California | 2 | $ 529,000 | $ 264,500 | $ 80,000 |
| Ventura, California | 2 | $ 639,000 | $ 319,500 | $ 89,000 |
| Boulder, Colorado | 2 | $ 522,000 | $ 261,000 | $ 50,000 |
| Douglas, Colorado | 2 | $ 654,000 | $ 327,000 | $ 102,000 |
| El Paso, Colorado | 2 | $ 306,000 | $ 153,000 | $ 49,000 |
| Hartford, Connecticut | 2 | $ 220,000 | $ 110,000 | $ 69,000 |
| New Haven, Connecticut | 2 | $ 256,000 | $ 128,000 | $ 65,000 |
| District of Columbia, District Of Columbia | 2 | $ 516,000 | $ 258,000 | $ 179,000 |
| Broward, Florida | 2 | $ 820,000 | $ 410,000 | $ 86,000 |
| Pasco, Florida | 2 | $ 276,000 | $ 138,000 | $ 0 |
| Belknap, New Hampshire | 2 | $ 707,000 | $ 353,500 | $ 270,000 |
| Burlington, New Jersey | 2 | $ 427,000 | $ 213,500 | $ 87,000 |
| Mercer, New Jersey | 2 | $ 400,000 | $ 200,000 | $ 70,000 |
| Minnehaha, South Dakota | 2 | $ 478,000 | $ 239,000 | $ 167,000 |
| Hamilton, Tennessee | 2 | $ 307,000 | $ 153,500 | $ 18,000 |
| Montgomery, Tennessee | 2 | $ 401,000 | $ 200,500 | $ 103,000 |
| Sumner, Tennessee | 2 | $ 237,000 | $ 118,500 | $ 56,000 |
| Bexar, Texas | 2 | $ 222,000 | $ 111,000 | $ 0 |
| Hood, Texas | 2 | $ 252,000 | $ 126,000 | $ 111,000 |
| Roanoke City, Virginia | 2 | $ 252,000 | $ 126,000 | $ 0 |
| Baldwin, Alabama | 1 | $ 150,000 | $ 150,000 | $ 127,000 |
| Maricopa, Arizona | 1 | $ 102,000 | $ 102,000 | $ 27,000 |
| Calaveras, California | 1 | $ 191,000 | $ 191,000 | $ 53,000 |
| San Benito, California | 1 | $ 625,000 | $ 625,000 | $ 502,000 |
| San Francisco, California | 1 | $ 227,000 | $ 227,000 | $ 158,000 |
| San Luis Obispo, California | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| San Mateo, California | 1 | $ 600,000 | $ 600,000 | $ 164,000 |
| Santa Barbara, California | 1 | $ 534,000 | $ 534,000 | $ 93,000 |
| Yolo, California | 1 | $ 608,000 | $ 608,000 | $ 242,000 |
| Yuba, California | 1 | $ 287,000 | $ 287,000 | $ 0 |
| Park, Colorado | 1 | $ 152,000 | $ 152,000 | $ 134,000 |
| Pueblo, Colorado | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Middlesex, Connecticut | 1 | $ 215,000 | $ 215,000 | $ 32,000 |
| Collier, Florida | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Flagler, Florida | 1 | $ 153,000 | $ 153,000 | $ 111,000 |
| Hernando, Florida | 1 | $ 281,000 | $ 281,000 | $ 0 |
| Orange, Florida | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Palm Beach, Florida | 1 | $ 237,000 | $ 237,000 | $ 0 |
| Pinellas, Florida | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Polk, Florida | 1 | $ 132,000 | $ 132,000 | $ 69,000 |
| Warren, Kentucky | 1 | $ 82,000 | $ 82,000 | $ 137,000 |
| Frederick, Maryland | 1 | $ 80,000 | $ 80,000 | $ 78,000 |
| Montgomery, Maryland | 1 | $ 527,000 | $ 527,000 | $ 98,000 |
| Prince George's, Maryland | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Worcester, Maryland | 1 | $ 173,000 | $ 173,000 | $ 56,000 |
| Barnstable, Massachusetts | 1 | $ 281,000 | $ 281,000 | $ 76,000 |
| Hampshire, Massachusetts | 1 | $ 262,000 | $ 262,000 | $ 58,000 |
| Nantucket, Massachusetts | 1 | $ 625,000 | $ 625,000 | $ 221,000 |
| Worcester, Massachusetts | 1 | $ 259,000 | $ 259,000 | $ 105,000 |
| Atlantic, New Jersey | 1 | $ 209,000 | $ 209,000 | $ 185,000 |
| Bergen, New Jersey | 1 | $ 490,000 | $ 490,000 | $ 190,000 |
| Cumberland, New Jersey | 1 | $ 299,000 | $ 299,000 | $ 132,000 |
| Middlesex, New Jersey | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Monmouth, New Jersey | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Ocean, New Jersey | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Passaic, New Jersey | 1 | $ 198,000 | $ 198,000 | $ 128,000 |
| Mecklenburg, North Carolina | 1 | $ 122,000 | $ 122,000 | $ 65,000 |
| Rowan, North Carolina | 1 | $ 254,000 | $ 254,000 | $ 112,000 |
| Clackamas, Oregon | 1 | $ 560,000 | $ 560,000 | $ 187,000 |
| Jackson, Oregon | 1 | $ 335,000 | $ 335,000 | $ 113,000 |
| Lane, Oregon | 1 | $ 110,000 | $ 110,000 | $ 86,000 |
| Allegheny, Pennsylvania | 1 | $ 172,000 | $ 172,000 | $ 49,000 |
| Berks, Pennsylvania | 1 | $ 142,000 | $ 142,000 | $ 38,000 |
| Lancaster, Pennsylvania | 1 | $ 197,000 | $ 197,000 | $ 127,000 |
| Lehigh, Pennsylvania | 1 | $ 158,000 | $ 158,000 | $ 52,000 |
| York, Pennsylvania | 1 | $ 133,000 | $ 133,000 | $ 26,000 |
| Greenville, South Carolina | 1 | $ 127,000 | $ 127,000 | $ 54,000 |
| Brookings, South Dakota | 1 | $ 123,000 | $ 123,000 | $ 82,000 |
| Blount, Tennessee | 1 | $ 173,000 | $ 173,000 | $ 72,000 |
| Fayette, Tennessee | 1 | $ 146,000 | $ 146,000 | $ 42,000 |
| Jefferson, Tennessee | 1 | $ 81,000 | $ 81,000 | $ 36,000 |
| Lincoln, Tennessee | 1 | $ 104,000 | $ 104,000 | $ 107,000 |
| Maury, Tennessee | 1 | $ 114,000 | $ 114,000 | $ 48,000 |
| Robertson, Tennessee | 1 | $ 250,000 | $ 250,000 | $ 61,000 |
| Rutherford, Tennessee | 1 | $ 81,000 | $ 81,000 | $ 66,000 |
| Sevier, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 36,000 |
| Shelby, Tennessee | 1 | $ 202,000 | $ 202,000 | $ 53,000 |
| Weakley, Tennessee | 1 | $ 127,000 | $ 127,000 | $ 49,000 |
| Williamson, Tennessee | 1 | $ 273,000 | $ 273,000 | $ 0 |
| Wilson, Tennessee | 1 | $ 241,000 | $ 241,000 | $ 74,000 |
| Collin, Texas | 1 | $ 417,000 | $ 417,000 | $ 89,000 |
| Dallas, Texas | 1 | $ 263,000 | $ 263,000 | $ 102,000 |
| Denton, Texas | 1 | $ 265,000 | $ 265,000 | $ 109,000 |
| Ector, Texas | 1 | $ 166,000 | $ 166,000 | $ 116,000 |
| Fort Bend, Texas | 1 | $ 161,000 | $ 161,000 | $ 0 |
| Galveston, Texas | 1 | $ 122,000 | $ 122,000 | $ 30,000 |
| Hidalgo, Texas | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Johnson, Texas | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Travis, Texas | 1 | $ 189,000 | $ 189,000 | $ 95,000 |
| Wichita, Texas | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Williamson, Texas | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Weber, Utah | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Chesapeake, Virginia | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Dinwiddie, Virginia | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Frederick, Virginia | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Gloucester, Virginia | 1 | $ 172,000 | $ 172,000 | $ 65,000 |
| Henrico, Virginia | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Mecklenburg, Virginia | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Montgomery, Virginia | 1 | $ 237,000 | $ 237,000 | $ 86,000 |
| Nelson, Virginia | 1 | $ 416,000 | $ 416,000 | $ 198,000 |
| Newport News, Virginia | 1 | $ 275,000 | $ 275,000 | $ 125,000 |
| Prince William, Virginia | 1 | $ 427,000 | $ 427,000 | $ 110,000 |
| Stafford, Virginia | 1 | $ 263,000 | $ 263,000 | $ 148,000 |
| Surry, Virginia | 1 | $ 140,000 | $ 140,000 | $ 42,000 |
| King, Washington | 1 | $ 506,000 | $ 506,000 | $ 140,000 |
| Kitsap, Washington | 1 | $ 284,000 | $ 284,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Integrity First Financial Group, Inc. in 2014
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 | 430 | $115,154,000 | $267,000 | $1,044,000 | $100,000 | $828,000 |
| Refinancing | 396 | $118,384,000 | $298,000 | $1,900,000 | $112,000 | $1,089,000 |
| Home Improvement | 20 | $5,465,000 | $273,000 | $600,000 | $91,000 | $181,000 |
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 |
|---|---|---|---|---|---|---|
| White | 516 | $152,241,000 | $295,000 | $1,900,000 | $113,000 | $828,000 |
| Hispanic | 149 | $35,552,000 | $238,000 | $785,000 | $76,000 | $764,000 |
| Not Provided | 71 | $20,581,000 | $289,000 | $1,040,000 | $128,000 | $1,089,000 |
| Black or African American | 59 | $12,833,000 | $217,000 | $709,000 | $58,000 | $279,000 |
| Asian | 47 | $16,529,000 | $351,000 | $959,000 | $138,000 | $382,000 |
| American Indian or Alaskan Native | 2 | $664,000 | $332,000 | $546,000 | $193,000 | $203,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $603,000 | $301,000 | $414,000 | $85,000 | $126,000 |
| Not applicable | 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) | 511 | $161,329,000 | $315,000 | $1,900,000 | $134,000 | $1,089,000 |
| FHA-insured (Federal Housing Administration) | 241 | $50,544,000 | $209,000 | $636,000 | $61,000 | $241,000 |
| VA-guaranteed (Veterans Administration) | 87 | $25,637,000 | $294,000 | $864,000 | $63,000 | $387,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,493,000 | $213,000 | $396,000 | $69,000 | $88,000 |
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 | 564 | $162,837,000 | $288,000 | $1,232,000 | $106,000 | $890,000 |
| Application Withdrawn By Applicant | 157 | $42,848,000 | $272,000 | $864,000 | $109,000 | $765,000 |
| Application Denied By Financial Institution | 51 | $11,663,000 | $228,000 | $1,900,000 | $81,000 | $324,000 |
| Application Approved But Not Accepted | 40 | $11,167,000 | $279,000 | $1,044,000 | $137,000 | $1,089,000 |
| File Closed For Incompleteness | 34 | $10,488,000 | $308,000 | $1,040,000 | $91,000 | $329,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 9 | $1,810,000 | $201,000 | $403,000 | $83,000 | $166,000 |
| Credit History | 9 | $3,048,000 | $338,000 | $1,900,000 | $94,000 | $324,000 |
| Debt-To-Income Ratio | 8 | $2,044,000 | $255,000 | $450,000 | $109,000 | $232,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $454,000 | $151,000 | $157,000 | $92,000 | $124,000 |
| Other | 3 | $515,000 | $171,000 | $254,000 | $79,000 | $184,000 |
| Unverifiable Information | 2 | $473,000 | $236,000 | $263,000 | $103,000 | $148,000 |
| Employment History | 2 | $287,000 | $143,000 | $215,000 | $32,000 | $33,000 |
| Credit Application Incomplete | 2 | $726,000 | $363,000 | $461,000 | $105,000 | $109,000 |
| Mortgage Insurance Denied | 1 | $158,000 | $158,000 | $158,000 | $61,000 | $61,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Integrity First Financial Group, Inc.'s 2014 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 First Financial Group, Inc.'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.
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