Integrity First Financial Group, Inc. Mortgage Lending & HMDA Data, 2015
In 2015, Integrity First Financial Group, Inc. of San Diego, CA reported 2,403 mortgage applications totaling $604.7 million, up 184% from 2014. The average application was for $251,655, and applicants reported an average income of $86,066. 57% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (236), Charlotte-Concord-Gastonia, NC-SC (157) and Oakland-Hayward-Berkeley, CA (141) (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 | 2,403 |
| Total Mortgage Loan Application Amount | $604,727,000 |
| Average Mortgage Loan Application Amount | $251,655 |
| Highest Mortgage Loan Application Amount | $1,720,000 |
| Average Applicant Income | $86,066 |
| Highest Applicant Income | $1,131,000 |
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Integrity First Financial Group, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 236 | $ 55,050,000 | $ 233,262 | $ 61,000 |
| Charlotte-Concord-Gastonia, NC-SC | 157 | $ 26,557,000 | $ 169,152 | $ 63,509 |
| Oakland-Hayward-Berkeley, CA | 141 | $ 48,850,000 | $ 346,453 | $ 108,000 |
| Cambridge-Newton-Framingham, MA | 136 | $ 37,549,000 | $ 276,095 | $ 76,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 118 | $ 27,082,000 | $ 229,508 | $ 87,000 |
| San Diego-Carlsbad, CA | 118 | $ 40,057,000 | $ 339,466 | $ 116,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 93 | $ 17,049,000 | $ 183,322 | $ 68,000 |
| Phoenix-Mesa-Scottsdale, AZ | 92 | $ 15,708,000 | $ 170,739 | $ 72,000 |
| Los Angeles-Long Beach-Glendale, CA | 90 | $ 39,820,000 | $ 442,444 | $ 136,000 |
| Chicago-Naperville-Arlington Heights, IL | 88 | $ 22,446,000 | $ 255,068 | $ 106,000 |
| Denver-Aurora-Lakewood, CO | 87 | $ 26,517,000 | $ 304,793 | $ 104,000 |
| Montgomery County-Bucks County-Chester County, PA | 85 | $ 19,789,000 | $ 232,811 | $ 94,000 |
| Philadelphia, PA | 79 | $ 13,854,000 | $ 175,367 | $ 80,000 |
| Fresno, CA | 63 | $ 10,449,000 | $ 165,857 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 58 | $ 9,791,000 | $ 168,810 | $ 87,000 |
| Modesto, CA | 57 | $ 12,649,000 | $ 221,912 | $ 88,000 |
| Anaheim-Santa Ana-Irvine, CA | 42 | $ 17,186,000 | $ 409,190 | $ 125,000 |
| Boston, MA | 35 | $ 10,778,000 | $ 307,942 | $ 93,000 |
| Vallejo-Fairfield, CA | 28 | $ 6,995,000 | $ 249,821 | $ 68,000 |
| Tampa-St. Petersburg-Clearwater, FL | 25 | $ 3,758,000 | $ 150,320 | $ 69,000 |
| Atlanta-Sandy Springs-Roswell, GA | 24 | $ 3,813,000 | $ 158,875 | $ 69,000 |
| Rockingham County-Strafford County, NH | 22 | $ 5,081,000 | $ 230,954 | $ 71,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 18 | $ 7,358,000 | $ 408,777 | $ 135,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 18 | $ 10,713,000 | $ 595,166 | $ 156,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 18 | $ 7,788,000 | $ 432,666 | $ 129,666 |
| Stockton-Lodi, CA | 15 | $ 4,004,000 | $ 266,933 | $ 116,000 |
| Goldsboro, NC | 14 | $ 2,070,000 | $ 147,857 | $ 55,000 |
| Greenville-Anderson-Mauldin, SC | 14 | $ 3,090,000 | $ 220,714 | $ 74,000 |
| Wilmington, DE-MD-NJ | 14 | $ 3,120,000 | $ 222,857 | $ 86,000 |
| Greenville, NC | 13 | $ 2,082,000 | $ 160,153 | $ 62,000 |
| Silver Spring-Frederick-Rockville, MD | 13 | $ 5,161,000 | $ 397,000 | $ 92,000 |
| Visalia-Porterville, CA | 12 | $ 1,702,000 | $ 141,833 | $ 41,000 |
| Dallas-Plano-Irving, TX | 11 | $ 3,719,000 | $ 338,090 | $ 121,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 11 | $ 2,515,000 | $ 228,636 | $ 70,000 |
| Merced, CA | 11 | $ 2,430,000 | $ 220,909 | $ 87,000 |
| Lake County-Kenosha County, IL-WI | 10 | $ 4,215,000 | $ 421,500 | $ 236,000 |
| Santa Maria-Santa Barbara, CA | 9 | $ 4,023,000 | $ 447,000 | $ 128,000 |
| Memphis, TN-MS-AR | 8 | $ 908,000 | $ 113,500 | $ 44,000 |
| Savannah, GA | 8 | $ 1,554,000 | $ 194,250 | $ 99,000 |
| Worcester, MA-CT | 8 | $ 1,739,000 | $ 217,375 | $ 107,000 |
| Salinas, CA | 7 | $ 2,814,000 | $ 402,000 | $ 85,000 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 3,592,000 | $ 513,142 | $ 149,000 |
| Clarksville, TN-KY | 6 | $ 764,000 | $ 127,333 | $ 47,000 |
| Colorado Springs, CO | 6 | $ 948,000 | $ 158,000 | $ 53,000 |
| Elgin, IL | 6 | $ 1,580,000 | $ 263,333 | $ 113,000 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 815,000 | $ 135,833 | $ 65,000 |
| Macon, GA | 6 | $ 994,000 | $ 165,666 | $ 66,000 |
| Madera, CA | 6 | $ 1,278,000 | $ 213,000 | $ 88,000 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 988,000 | $ 164,666 | $ 63,000 |
| Redding, CA | 6 | $ 1,180,000 | $ 196,666 | $ 59,000 |
| Bakersfield, CA | 5 | $ 799,000 | $ 159,800 | $ 66,000 |
| Knoxville, TN | 5 | $ 707,000 | $ 141,400 | $ 53,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 1,682,000 | $ 336,400 | $ 112,000 |
| San Rafael, CA | 5 | $ 2,948,000 | $ 589,600 | $ 162,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 2,106,000 | $ 421,200 | $ 202,000 |
| Yuba City, CA | 5 | $ 600,000 | $ 120,000 | $ 39,000 |
| Florence, SC | 4 | $ 663,000 | $ 165,750 | $ 69,000 |
| Jacksonville, FL | 4 | $ 605,000 | $ 151,250 | $ 53,000 |
| Raleigh, NC | 4 | $ 864,000 | $ 216,000 | $ 29,000 |
| Santa Rosa, CA | 4 | $ 2,180,000 | $ 545,000 | $ 140,000 |
| Spartanburg, SC | 4 | $ 527,000 | $ 131,750 | $ 30,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 883,000 | $ 220,750 | $ 27,000 |
| Asheville, NC | 3 | $ 541,000 | $ 180,333 | $ 51,000 |
| Austin-Round Rock, TX | 3 | $ 403,000 | $ 134,333 | $ 57,000 |
| Chattanooga, TN-GA | 3 | $ 316,000 | $ 105,333 | $ 66,000 |
| Chico, CA | 3 | $ 626,000 | $ 208,666 | $ 41,000 |
| Columbus, GA-AL | 3 | $ 401,000 | $ 133,666 | $ 0 |
| Fayetteville, NC | 3 | $ 739,000 | $ 246,333 | $ 0 |
| Fort Worth-Arlington, TX | 3 | $ 383,000 | $ 127,666 | $ 19,000 |
| Morristown, TN | 3 | $ 266,000 | $ 88,666 | $ 37,000 |
| Providence-Warwick, RI-MA | 3 | $ 715,000 | $ 238,333 | $ 79,000 |
| Rocky Mount, NC | 3 | $ 597,000 | $ 199,000 | $ 68,000 |
| Tacoma-Lakewood, WA | 3 | $ 1,282,000 | $ 427,333 | $ 190,000 |
| Wilmington, NC | 3 | $ 583,000 | $ 194,333 | $ 61,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 1,159,000 | $ 579,500 | $ 192,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 442,000 | $ 221,000 | $ 86,000 |
| Camden, NJ | 2 | $ 237,000 | $ 118,500 | $ 94,000 |
| Charleston-North Charleston, SC | 2 | $ 290,000 | $ 145,000 | $ 50,000 |
| Charlottesville, VA | 2 | $ 970,000 | $ 485,000 | $ 226,000 |
| Fort Collins, CO | 2 | $ 502,000 | $ 251,000 | $ 77,000 |
| Greensboro-High Point, NC | 2 | $ 209,000 | $ 104,500 | $ 41,000 |
| Jacksonville, NC | 2 | $ 268,000 | $ 134,000 | $ 47,000 |
| Longview, WA | 2 | $ 352,000 | $ 176,000 | $ 30,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 227,000 | $ 113,500 | $ 46,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 439,000 | $ 219,500 | $ 83,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 338,000 | $ 169,000 | $ 38,000 |
| Newark, NJ-PA | 2 | $ 274,000 | $ 137,000 | $ 90,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 321,000 | $ 160,500 | $ 195,000 |
| Richmond, VA | 2 | $ 347,000 | $ 173,500 | $ 56,000 |
| Roanoke, VA | 2 | $ 280,000 | $ 140,000 | $ 30,000 |
| Salisbury, MD-DE | 2 | $ 634,000 | $ 317,000 | $ 65,000 |
| The Villages, FL | 2 | $ 447,000 | $ 223,500 | $ 116,000 |
| Winston-Salem, NC | 2 | $ 370,000 | $ 185,000 | $ 47,000 |
| Amarillo, TX | 1 | $ 361,000 | $ 361,000 | $ 100,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 266,000 | $ 266,000 | $ 146,000 |
| Barnstable Town, MA | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Bowling Green, KY | 1 | $ 116,000 | $ 116,000 | $ 92,000 |
| Burlington, NC | 1 | $ 115,000 | $ 115,000 | $ 66,000 |
| Champaign-Urbana, IL | 1 | $ 291,000 | $ 291,000 | $ 53,000 |
| Cleveland, TN | 1 | $ 256,000 | $ 256,000 | $ 164,000 |
| College Station-Bryan, TX | 1 | $ 100,000 | $ 100,000 | $ 26,000 |
| Columbia, SC | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Corpus Christi, TX | 1 | $ 157,000 | $ 157,000 | $ 110,000 |
| Danville, IL | 1 | $ 151,000 | $ 151,000 | $ 75,000 |
| East Stroudsburg, PA | 1 | $ 101,000 | $ 101,000 | $ 200,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 240,000 | $ 240,000 | $ 83,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 106,000 | $ 106,000 | $ 31,000 |
| Hinesville, GA | 1 | $ 113,000 | $ 113,000 | $ 35,000 |
| Jackson, TN | 1 | $ 112,000 | $ 112,000 | $ 77,000 |
| Johnson City, TN | 1 | $ 229,000 | $ 229,000 | $ 66,000 |
| Kankakee, IL | 1 | $ 332,000 | $ 332,000 | $ 151,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 196,000 | $ 196,000 | $ 70,000 |
| Lakeland-Winter Haven, FL | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Lynchburg, VA | 1 | $ 221,000 | $ 221,000 | $ 52,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 242,000 | $ 242,000 | $ 77,000 |
| Napa, CA | 1 | $ 474,000 | $ 474,000 | $ 145,000 |
| New Bern, NC | 1 | $ 86,000 | $ 86,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 295,000 | $ 295,000 | $ 21,000 |
| Norwich-New London, CT | 1 | $ 252,000 | $ 252,000 | $ 84,000 |
| Ocala, FL | 1 | $ 147,000 | $ 147,000 | $ 47,000 |
| Olympia-Tumwater, WA | 1 | $ 103,000 | $ 103,000 | $ 67,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 120,000 | $ 120,000 | $ 59,000 |
| Pueblo, CO | 1 | $ 196,000 | $ 196,000 | $ 84,000 |
| Reading, PA | 1 | $ 158,000 | $ 158,000 | $ 50,000 |
| Rockford, IL | 1 | $ 91,000 | $ 91,000 | $ 64,000 |
| San Antonio-New Braunfels, TX | 1 | $ 99,000 | $ 99,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 328,000 | $ 328,000 | $ 80,000 |
| Sioux Falls, SD | 1 | $ 197,000 | $ 197,000 | $ 68,000 |
| Springfield, IL | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Trenton, NJ | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Yakima, WA | 1 | $ 160,000 | $ 160,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Integrity First Financial Group, Inc. in 2015
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 | 1,332 | $310,042,000 | $232,000 | $1,613,000 | $84,000 | $1,010,000 |
| Refinancing | 1,045 | $288,874,000 | $276,000 | $1,720,000 | $89,000 | $1,131,000 |
| Home Improvement | 26 | $5,811,000 | $223,000 | $890,000 | $74,000 | $225,000 |
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 | 1,338 | $352,644,000 | $263,000 | $1,720,000 | $94,000 | $1,131,000 |
| Hispanic | 514 | $119,720,000 | $232,000 | $1,250,000 | $70,000 | $749,000 |
| Not Provided | 221 | $49,723,000 | $224,000 | $1,613,000 | $82,000 | $605,000 |
| Black or African American | 185 | $38,799,000 | $209,000 | $662,000 | $65,000 | $399,000 |
| Asian | 112 | $34,554,000 | $308,000 | $1,100,000 | $109,000 | $1,010,000 |
| Native Hawaiian or Other Pacific Islander | 21 | $7,076,000 | $336,000 | $1,100,000 | $79,000 | $310,000 |
| American Indian or Alaskan Native | 10 | $1,582,000 | $158,000 | $245,000 | $79,000 | $119,000 |
| Not applicable | 2 | $629,000 | $314,000 | $397,000 | $72,000 | $84,000 |
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) | 1,218 | $336,418,000 | $276,000 | $1,720,000 | $109,000 | $1,131,000 |
| FHA-insured (Federal Housing Administration) | 913 | $200,768,000 | $219,000 | $714,000 | $60,000 | $299,000 |
| VA-guaranteed (Veterans Administration) | 228 | $61,097,000 | $267,000 | $909,000 | $74,000 | $360,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $6,444,000 | $146,000 | $294,000 | $46,000 | $85,000 |
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 | 1,368 | $340,650,000 | $249,000 | $1,096,000 | $86,000 | $851,000 |
| Application Withdrawn By Applicant | 548 | $138,960,000 | $253,000 | $1,613,000 | $83,000 | $643,000 |
| File Closed For Incompleteness | 289 | $80,554,000 | $278,000 | $1,720,000 | $99,000 | $1,131,000 |
| Application Denied By Financial Institution | 152 | $32,719,000 | $215,000 | $1,250,000 | $75,000 | $426,000 |
| Application Approved But Not Accepted | 45 | $11,724,000 | $260,000 | $802,000 | $75,000 | $298,000 |
| Preapproval Denied by Financial Institution | 1 | $120,000 | $120,000 | $120,000 | $53,000 | $53,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 37 | $9,091,000 | $245,000 | $1,250,000 | $66,000 | $399,000 |
| Credit History | 28 | $6,725,000 | $240,000 | $850,000 | $84,000 | $392,000 |
| Collateral | 25 | $4,587,000 | $183,000 | $778,000 | $99,000 | $426,000 |
| Unverifiable Information | 9 | $1,461,000 | $162,000 | $452,000 | $52,000 | $107,000 |
| Other | 8 | $1,564,000 | $195,000 | $360,000 | $44,000 | $95,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,318,000 | $164,000 | $226,000 | $46,000 | $68,000 |
| Credit Application Incomplete | 7 | $3,451,000 | $493,000 | $1,100,000 | $150,000 | $374,000 |
| Employment History | 6 | $461,000 | $76,000 | $245,000 | $44,000 | $82,000 |
| Mortgage Insurance Denied | 1 | $147,000 | $147,000 | $147,000 | $76,000 | $76,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Integrity First Financial Group, Inc.'s 2015 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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