Applications / Mortgage Analytics / Lenders / Virginia / Integrity Home Mortgage
Winchester, VA · Independent non-bank lender · CFPB · 3,103 loans in 2025
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3,103
loans originated, 2025
4,041
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Integrity Home Mortgage, a Virginia non-bank lender that lends mostly to home buyers, grew faster than the typical similar lender in 2025 and ranks second by dollars in Hagerstown-Martinsburg.
Home purchases made up 89.7% of its loans. It leans on government-backed lending far more than similar lenders, here independent lenders making between half and twice as many loans. Loans guaranteed by the Department of Veterans Affairs (VA) were 14.8% of its lending, against 6.5% at the typical peer, a higher share than more than nine in ten of them. Loans guaranteed by the Department of Agriculture's Rural Housing Service were 3.7%, against 0.4%.
Its loans rose 18% to 3,103, against 11% for the typical peer and 10% for the whole market. It was the second year of growth after a trough of 1,971 loans in 2023, though it remains below the 4,597 it made in 2021. The public record has no report from it for 2020, a gap rather than a year without loans.
In Hagerstown-Martinsburg it ranks 2 of 356 lenders, with 5.9% of the market, behind only Rocket Mortgage. It has lent there since 2007. In Columbia, South Carolina, which it entered in 2024, its share rose from 0.3% to 1.0%.
Borrowers with low or moderate incomes (LMI) took 32.5% of its loans, up from 29.8% in 2024 and above the 28.2% of the typical peer. Its typical loan was $285,000, against $320,000 at peers. Its denial rate on home-purchase applications was 3.8%, a little below the peer figure of 4.2%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Integrity Home Mortgage took 4,041 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.7% · Refinance 10.3%
Conventional 55.7% · FHA 25.9% · VA 14.8% · USDA (RHS or FSA) 3.7% · of 3,103 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 1,016 | 32.7% |
| North Carolina | 752 | 24.2% |
| West Virginia | 488 | 15.7% |
| South Carolina | 311 | 10.0% |
| Pennsylvania | 187 | 6.0% |
| Texas | 172 | 5.5% |
| Maryland | 134 | 4.3% |
| Florida | 9 | 0.3% |
| Minnesota | 9 | 0.3% |
| Georgia | 7 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hagerstown-Martinsburg | 425 |
| Columbia | 214 |
| Arlington-Alexandria-Reston | 209 |
| Richmond | 201 |
| Jacksonville | 196 |
| Wilmington | 193 |
| Winchester | 168 |
| Roanoke | 139 |
| Chambersburg | 124 |
| Harrisonburg | 117 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BTTR873E71L054 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3882636 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7550873456 | |
| Respondent ID (the HMDA filer code before 2018) | 72327700003 | 2007–2007 |
Established 23 June 2004. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Integrity Home Mortgage's data.
Integrity Home Mortgage's data
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Integrity Home Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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