Integrity Home Lending Reviews

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Updated May 13, 2026

By: Diana Flowers

+2 more

By: Amanda Futrell

Edited by: Matt Zane

About Integrity Home Lending

Integrity Home Lending provides purchase and refinance loans in 13 states. It offers conventional, jumbo and non-qualified mortgage (non-QM) loans, as well as government-backed options through the U.S. Department of Veterans Affairs (VA) and the Federal Housing Administration (FHA). The company is based in Cumming, Georgia.

Pros

Wide range of loan options
Offers prequalification

Cons

Not transparent about rates and fees
Only available in 13 states

What is Integrity Home Lending?

Integrity Home Lending is based in Cumming, Georgia, and it’s a licensed lender in the following states:

Alabama
Alaska
Colorado
Florida
Georgia
Maryland
Mississippi
New Jersey
North Carolina
Pennsylvania
South Carolina
Tennessee
Virginia

Integrity Home Lending rates

Integrity Home Lending doesn’t publish its current mortgage rates on its website. In general, borrowers with very good to excellent credit scores will typically qualify for the best rates and terms.

» MORE: Current mortgage rates — check today’s rates

Integrity Home Lending loan types

Integrity Home Lending offers fixed-rate and adjustable-rate mortgages (ARMs). Its main types of purchase and refinance loans include:

Conventional loans
FHA loans
VA loans
Jumbo loans
Non-QMs

Non-qualified mortgages are loans for nontraditional borrowers, such as self-employed individuals.

Integrity Home Lending requirements

Integrity Home Lending doesn’t disclose its specific loan requirements, but it does publish some general recommendations. It generally recommends a minimum credit score of 620 for conventional loans and a minimum score of 580 for FHA loans, though it also states it may accept credit scores as low as 500 for FHA loans.

Borrower requirements will typically vary by loan type, and there are several factors lenders look at when evaluating a potential borrower:

Credit score and history
Debt-to-income (DTI) ratio
Down payment amount
Loan amount and type

Integrity Home Lending application process

Interested borrowers can get prequalified for a loan online through the company’s website. On the contact form, you’ll enter basic personal information. The company will then perform a soft credit check and provide customized loan offers.

For more information on the loan process, it’s best to contact the company by phone or email.

Integrity Home Lending application process features

The table below shows some of Integrity Home Lending’s application process features:

Features	Availability
Online application
Mobile document upload
Publishes rates online
Offers rate lock	Not disclosed
Offers prequalification (no hard credit check)
Certified approval letter	Not disclosed
State availabiity	13
Number of branches	N/A

» LEARN: How to get a mortgage

Integrity Home Lending cost and fees

Integrity Home Lending doesn’t list its costs and fees online. Some typical closing costs include origination, appraisal and title fees, plus property taxes or insurance. You can typically expect to pay around 2% to 5% of the total loan amount.

FAQ

Is Integrity Home Lending legit?

Yes, Integrity Home Lending is a legitimate company that’s licensed with the Nationwide Multistate Licensing System (NMLS).

Where is Integrity Home Lending available?

Integrity Home Lending products are available in 13 states: Alabama, Alaska, Colorado, Florida, Georgia, Maryland, Mississippi, New Jersey, North Carolina, Pennsylvania, South Carolina, Tennessee and Virginia.

How does Integrity Home Lending work?

Integrity Home Lending can assist homebuyers with purchase loans and existing homeowners with refinancing options. Interested consumers can call the company directly or fill out its online prequalification form.