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Integrity First Financial Group, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego-Carlsbad, CA | 156 | $ 57,500,000 | $ 368,589 | $ 143,000 |
| Cambridge-Newton-Framingham, MA | 66 | $ 20,130,000 | $ 305,000 | $ 107,000 |
| Riverside-San Bernardino-Ontario, CA | 54 | $ 12,313,000 | $ 228,018 | $ 85,000 |
| Boston, MA | 44 | $ 15,829,000 | $ 359,750 | $ 124,000 |
| Oakland-Hayward-Berkeley, CA | 41 | $ 14,723,000 | $ 359,097 | $ 117,000 |
| Cape Coral-Fort Myers, FL | 38 | $ 5,353,000 | $ 140,868 | $ 75,000 |
| Los Angeles-Long Beach-Glendale, CA | 38 | $ 16,496,000 | $ 434,105 | $ 140,000 |
| Montgomery County-Bucks County-Chester County, PA | 37 | $ 9,761,000 | $ 263,810 | $ 120,000 |
| Anaheim-Santa Ana-Irvine, CA | 31 | $ 13,037,000 | $ 420,548 | $ 144,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 24 | $ 3,971,000 | $ 165,458 | $ 52,000 |
| Denver-Aurora-Lakewood, CO | 22 | $ 4,974,000 | $ 226,090 | $ 162,000 |
| Charlotte-Concord-Gastonia, NC-SC | 21 | $ 3,365,000 | $ 160,238 | $ 58,000 |
| Fresno, CA | 19 | $ 3,278,000 | $ 172,526 | $ 76,000 |
| Baltimore-Columbia-Towson, MD | 14 | $ 3,536,000 | $ 252,571 | $ 87,000 |
| Philadelphia, PA | 14 | $ 3,458,000 | $ 247,000 | $ 86,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 14 | $ 3,573,000 | $ 255,214 | $ 124,000 |
| Modesto, CA | 10 | $ 1,631,000 | $ 163,100 | $ 65,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 10 | $ 4,668,000 | $ 466,800 | $ 192,000 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 1,155,000 | $ 128,333 | $ 40,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 1,399,000 | $ 155,444 | $ 37,000 |
| Stockton-Lodi, CA | 7 | $ 1,563,000 | $ 223,285 | $ 64,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 1,111,000 | $ 185,166 | $ 80,000 |
| Fort Worth-Arlington, TX | 6 | $ 971,000 | $ 161,833 | $ 79,000 |
| Camden, NJ | 5 | $ 924,000 | $ 184,800 | $ 107,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 1,386,000 | $ 277,200 | $ 80,000 |
| Richmond, VA | 5 | $ 839,000 | $ 167,800 | $ 24,000 |
| Visalia-Porterville, CA | 5 | $ 864,000 | $ 172,800 | $ 78,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 5 | $ 1,365,000 | $ 273,000 | $ 123,200 |
| Jacksonville, FL | 4 | $ 656,000 | $ 164,000 | $ 0 |
| Knoxville, TN | 4 | $ 526,000 | $ 131,500 | $ 54,000 |
| Madera, CA | 4 | $ 748,000 | $ 187,000 | $ 54,000 |
| Dallas-Plano-Irving, TX | 3 | $ 945,000 | $ 315,000 | $ 100,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 435,000 | $ 145,000 | $ 57,000 |
| Merced, CA | 3 | $ 592,000 | $ 197,333 | $ 95,000 |
| Newark, NJ-PA | 3 | $ 1,660,000 | $ 553,333 | $ 172,000 |
| Providence-Warwick, RI-MA | 3 | $ 937,000 | $ 312,333 | $ 112,000 |
| Santa Rosa, CA | 3 | $ 943,000 | $ 314,333 | $ 116,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 595,000 | $ 198,333 | $ 63,000 |
| Wilmington, DE-MD-NJ | 3 | $ 611,000 | $ 203,666 | $ 79,000 |
| Austin-Round Rock, TX | 2 | $ 336,000 | $ 168,000 | $ 47,000 |
| Boulder, CO | 2 | $ 522,000 | $ 261,000 | $ 50,000 |
| Chattanooga, TN-GA | 2 | $ 307,000 | $ 153,500 | $ 18,000 |
| Clarksville, TN-KY | 2 | $ 401,000 | $ 200,500 | $ 103,000 |
| Colorado Springs, CO | 2 | $ 306,000 | $ 153,000 | $ 49,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 820,000 | $ 410,000 | $ 86,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 283,000 | $ 141,500 | $ 15,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 271,000 | $ 135,500 | $ 30,000 |
| Memphis, TN-MS-AR | 2 | $ 348,000 | $ 174,000 | $ 47,000 |
| Napa, CA | 2 | $ 786,000 | $ 393,000 | $ 132,000 |
| New Haven-Milford, CT | 2 | $ 256,000 | $ 128,000 | $ 65,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 639,000 | $ 319,500 | $ 89,000 |
| Roanoke, VA | 2 | $ 252,000 | $ 126,000 | $ 0 |
| San Antonio-New Braunfels, TX | 2 | $ 222,000 | $ 111,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 827,000 | $ 413,500 | $ 161,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 1,300,000 | $ 650,000 | $ 107,000 |
| Silver Spring-Frederick-Rockville, MD | 2 | $ 607,000 | $ 303,500 | $ 88,000 |
| Sioux Falls, SD | 2 | $ 478,000 | $ 239,000 | $ 167,000 |
| Trenton, NJ | 2 | $ 400,000 | $ 200,000 | $ 70,000 |
| Vallejo-Fairfield, CA | 2 | $ 529,000 | $ 264,500 | $ 80,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 158,000 | $ 158,000 | $ 52,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 209,000 | $ 209,000 | $ 185,000 |
| Barnstable Town, MA | 1 | $ 281,000 | $ 281,000 | $ 76,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 237,000 | $ 237,000 | $ 86,000 |
| Bowling Green, KY | 1 | $ 82,000 | $ 82,000 | $ 137,000 |
| Bremerton-Silverdale, WA | 1 | $ 284,000 | $ 284,000 | $ 49,000 |
| Charlottesville, VA | 1 | $ 416,000 | $ 416,000 | $ 198,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 150,000 | $ 150,000 | $ 127,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 153,000 | $ 153,000 | $ 111,000 |
| Eugene, OR | 1 | $ 110,000 | $ 110,000 | $ 86,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 127,000 | $ 127,000 | $ 54,000 |
| Lakeland-Winter Haven, FL | 1 | $ 132,000 | $ 132,000 | $ 69,000 |
| Lancaster, PA | 1 | $ 197,000 | $ 197,000 | $ 127,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Medford, OR | 1 | $ 335,000 | $ 335,000 | $ 113,000 |
| Morristown, TN | 1 | $ 81,000 | $ 81,000 | $ 36,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Odessa, TX | 1 | $ 166,000 | $ 166,000 | $ 116,000 |
| Ogden-Clearfield, UT | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 172,000 | $ 172,000 | $ 49,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 560,000 | $ 560,000 | $ 187,000 |
| Pueblo, CO | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Reading, PA | 1 | $ 142,000 | $ 142,000 | $ 38,000 |
| Salisbury, MD-DE | 1 | $ 173,000 | $ 173,000 | $ 56,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 534,000 | $ 534,000 | $ 93,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 506,000 | $ 506,000 | $ 140,000 |
| Springfield, MA | 1 | $ 262,000 | $ 262,000 | $ 58,000 |
| Vineland-Bridgeton, NJ | 1 | $ 299,000 | $ 299,000 | $ 132,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 237,000 | $ 237,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 142,000 | $ 142,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 259,000 | $ 259,000 | $ 105,000 |
| York-Hanover, PA | 1 | $ 133,000 | $ 133,000 | $ 26,000 |
| Yuba City, CA | 1 | $ 287,000 | $ 287,000 | $ 0 |
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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