Applications / Mortgage Analytics / Lenders / Colorado / Integrity Mortgage & Financial
Colorado Springs, CO · Independent non-bank lender · CFPB · 66 loans in 2025
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66
loans originated, 2025
88
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Integrity Mortgage & Financial is a small Colorado Springs lender, and most of its 66 loans in 2025 were government-backed rather than conventional.
Only 42.4% of its loans were conventional, against 86.1% at similar lenders, here independent lenders making between half and twice as many loans. A third were guaranteed by the Department of Veterans Affairs (VA); the typical peer made none. Loans insured by the Federal Housing Administration (FHA) took 24.2%. With so few loans, a handful either way moves these shares.
It made 591 loans in 2020, when its typical rate was 2.88%, and 57 in 2024. Much of the fall may reflect the end of that era of cheap credit. Its count rose 16% in 2025, while the typical peer's fell 4%. It still made fewer loans than the typical peer, which made 75.
Borrowers with low or moderate incomes (LMI) took 35.5% of its loans, against 18.6% at the typical peer, a higher share than more than eight in ten of them. Yet its typical loan was $385,000, against $275,000 at peers. Its typical rate, 6.25%, was lower than at almost nine in ten similar lenders.
It lends only in Colorado, in three metros. In Colorado Springs, its biggest market, it ranks 70 of 487 lenders with 0.3% of the market, up from 0.2%. United Wholesale Mortgage and Ent Credit Union lead there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Integrity Mortgage & Financial took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.2% · Refinance 25.8%
Conventional 42.4% · VA 33.3% · FHA 24.2% · of 66 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 |
|---|---|---|
| Colorado | 66 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Colorado Springs | 56 |
| Denver-Aurora-Centennial | 4 |
| Greeley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EE4TIFHU1Z3G10 | 2018–2025 |
Established 8 March 2002. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Integrity Mortgage & Financial's data.
Integrity Mortgage & Financial's data
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Integrity Mortgage & Financial 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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