Integrity Home Mortgage

What Integrity Home Mortgage does

Integrity Home Mortgage Corporation is a privately held, independent residential mortgage lender founded in 2005 by Adam Huddleston and headquartered in Winchester, Virginia. The company originates and services home loans for individual consumers across approximately 25 licensed states, operating physical branch locations in Virginia (Winchester), Arkansas (Russellville), Georgia (Watkinsville), and Oklahoma (Edmond), with additional licensed operations spanning the Mid-Atlantic, Southeast, Northeast, and Southwest United States. Product breadth spans agency products (conventional, FHA, VA, USDA), non-QM portfolio programs, reverse mortgages, and specialty products including an Asset Qualifier loan (up to $3 million) for high-net-worth borrowers and an Investor Cash Flow loan (up to $1.5 million) that qualifies real estate investors based on rental cash flow rather than tax returns.

The company's technology stack centers on a digital loan application portal, online mortgage calculators (payment amortization, rent vs own, APR, debt consolidation, prepayment savings, early payoff, refinance break even), and digital document management, supporting a hybrid distribution model that pairs in-person originator relationships with self-serve online capabilities. Revenue is generated primarily through transaction-based mortgage origination fees on closing costs and interest rate differentials across loan products, supplemented by a recurring loan servicing operation through a dedicated in-house servicing department. Pricing is determined on a case-by-case basis through individual originator consultation rather than published tiers, consistent with the concierge-level service positioning.

The go-to-market combines a sales-led, relationship-based model through a network of local mortgage loan originators with a community-led approach emphasizing local market presence and reinvestment. Strategic partnerships with Calque (Purchase Price Guarantee for buy-before-you-sell scenarios) and Virginia Housing (FirstHome Dream Program for Virginia first-time buyers) extend product reach beyond the core origination offering. Marketing leverages a content hub (Talk Integrity blog), social media presence on Facebook, Instagram, LinkedIn, and YouTube, and a referral network of real estate agents, builders, and repeat customers who drive a documented base of multi-transaction relationships with the same originators.

Name

Integrity Home Mortgage

Legal name

Integrity Home Mortgage Corporation

Website

https://ihmcloans.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Integrity Home Mortgage Corporation is a privately held, independent residential mortgage lender founded in 2005 and headquartered in Winchester, Virginia, originating conventional, government (FHA/VA/USDA), non-QM, reverse, and specialty loans for individual homebuyers and investors across ~25 licensed U.S. states through local branches, loan originators, and digital channels.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292), Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Cash-Out Refinance Origination (FSALAAAF)

akta.pro secondary industries

Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

Keywords

• Residential mortgage lending
• Home loan origination
• Refinance services
• Non-QM mortgage programs
• Reverse mortgages

Headquarters

HQ city

Winchester

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Mortgage Origination Fees: Primary revenue from originating mortgage loans for home purchases and refinances. The company earns origination fees on new loans and potentially servicing fees on maintained loans. Revenue is generated through closing costs and interest rate differentials on various loan products including conventional, FHA, VA, USDA, and non-QM loans.
2. Loan Servicing: Ongoing loan servicing department handling customer mortgage payments and account management. The company maintains a dedicated servicing department for existing loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Integrity Home Mortgage Corporation originates and services residential mortgage loans for home purchases and refinances across approximately 25 US states. Its portfolio spans agency products (conventional, FHA, VA, USDA), reverse mortgages for homeowners 62+, and specialty non-QM programs such as the Investor Cash Flow loan and Asset Qualifier loan, delivered through local branches, a network of loan originators, real-estate-agent referral partnerships, and a digital application portal.

Product overview

Integrity Home Mortgage Corporation is a mortgage lender offering a comprehensive suite of home financing products. The core offering includes conventional loans, FHA loans, VA loans, USDA loans, and reverse mortgages, supplemented by non-agency portfolio programs. Specialty products include the Investor Cash Flow Loan for real estate investors (qualifying via rental cash flow without tax returns), the Asset Qualifier Home Loan for high net worth borrowers (up to $3 million using assets to qualify), and the VHDA FirstHome Dream Program in Virginia. Additional services include cash-out refinancing and the Calque-powered Purchase Price Guarantee for buy-before-you-sell solutions. The company also provides online mortgage calculators and educational resources through its Talk Integrity blog.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Loans Standard residential mortgage products for home purchases and refinancing, available with various term options, for borrowers who meet conventional underwriting guidelines.
• FHA Loans Federal Housing Administration-backed mortgages with flexible credit requirements and down payments as low as 3.5%, targeted at borrowers who benefit from government-insured financing.
• VA Loans Department of Veterans Affairs home loan program for eligible veterans, active-duty service members, and certain National Guard and Reserves members, featuring no down payment and no private mortgage insurance.
• USDA Loans Rural development loans offering 100% financing for properties in eligible rural areas, with income limits generally capped at 115% of area median income.
• Reverse Mortgages Home equity conversion mortgages for homeowners aged 62 and older, made available through the dedicated reversewithintegrity.com site.
• Non-Agency / Portfolio Programs Alternative loan programs outside conventional agency guidelines for borrowers who may not qualify for standard products.
• Investor Cash Flow Loan Mortgage program for real estate investors that qualifies borrowers based on rental cash flow rather than tax returns; requires minimum 700 credit score, 20% down, with loan amounts up to $1.5 million; no tax returns or employment information required.
• Asset Qualifier Home Loan Mortgage option for high-net-worth borrowers that uses assets to qualify without income or employment verification; requires minimum $500,000 in assets post-closing and supports loans up to $3 million.
• VHDA FirstHome Dream Program Virginia Housing program for Virginia first-time homebuyers offering a 2% interest rate reduction on qualifying loans; eligibility requires that the borrower has not owned a home in the last three years and meets applicable income and geographic limits.
• Cash-Out Refinance Refinancing option that allows homeowners to convert home equity into cash by replacing an existing mortgage with a new, larger mortgage.
• Purchase Price Guarantee (PPG) powered by Calque Buy-before-you-sell solution that enables homeowners to purchase a new home before selling their current one; if the existing home does not sell within the specified timeframe (up to 150 days in most markets), Calque purchases the home as a safety net.
• Loan Servicing Ongoing servicing of originated mortgage loans, including payment collection and account management, handled by a dedicated in-house servicing department accessible via [email protected] and 877-450-0222.

Quantifiable outcome

• Loans closed on time and as promised - company founding principle since 2005

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• CalquecoreStrategic or Co-development PartnerCalque provides the Purchase Price Guarantee (PPG) program enabling homeowners to buy a new home before selling their existing one. Calque acts as a safety net, purchasing the current home if it remains unsold within a specified timeframe (up to 150 days in most markets). Integrity Home Mortgage offers this as a financing solution for customers facing buy-before-you-sell situations. The partnership offers 'Trade-in Mortgage' and 'Contingency Buster' solutions. Calque is independent and not affiliated with Integrity Home Mortgage.
• Virginia HousingcoreGTM or Marketing PartnerVirginia Housing (VHDA) partnership enables Integrity Home Mortgage to offer the FirstHome Dream Program to Virginia first-time homebuyers. The program provides a 2% reduction in interest rates on qualifying Virginia Housing loans. Integrity originates loans under this program and works with Virginia Housing's housing partner network. Income limits and eligibility requirements apply based on household size and location.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Market position

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCZLmOwW3l4ZNL1fJ1ONPGhQ
• Facebookfacebook.com/IHMCLoans
• LinkedInlinkedin.com/company/integrityhomemortgagecorp
• Instagraminstagram.com/integrityhomemortgagecorp

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Integrity Home Mortgage