# FIRST INTEGRITY MORTGAGE SERVICES, INC.

> **Canonical URL:** https://saferate.com/lenders/first-integrity-mortgage-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FIRST INTEGRITY MORTGAGE SERVICES, INC. is a independent mortgage company, headquartered in ST. LOUIS, MO, serving borrowers across 14 states, with 302 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300Q7ODSDOEDUNP68
- **Headquarters:** ST. LOUIS, MO
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** FL, GA, IA, IL, KS, MD, MN, MO, NC, SC, TN, TX, VA, WI
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.563%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,934
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 302
- **Dollar Volume:** $77 million
- **Applications Received:** 394
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $253,411
- **Average Borrower Income:** $106,440
- **Average Property Value:** $305,927

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 170 | +0.496% | $1,896 | Sound ☺️ |
| FHA | 65/100 | 98 | +0.819% | $2,239 | Strong 😀 |
| VA | 43/100 | 25 | +0.131% | $1,032 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 147 loans, Score: 41/100 (Sound)
- Refinance: 23 loans, Score: 34/100 (Acceptable)

**FHA:**
- Purchase: 90 loans, Score: 65/100 (Strong)

**VA:**
- Purchase: 24 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 270 | $68M | +0.580% | Sound ☺️ |
| Refinance | 36/100 | 32 | $8M | +0.456% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 165 | 0.22% | 71/100 |
| FL | 31 | 0.01% | 48/100 |
| SC | 27 | 0.03% | 52/100 |
| TN | 27 | 0.03% | 51/100 |
| IL | 15 | 0.01% | 43/100 |
| VA | 14 | 0.01% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Louis, MO | MO-IL | 148 | 77/100 |
| Non |  | 33 | 39/100 |
| Kingsport | TN-VA | 25 | 58/100 |
| Kansas City, MO | MO-KS | 16 | 47/100 |
| Jacksonville, FL | FL | 15 | 48/100 |
| Deltona | FL | 11 | 46/100 |

## Where This Lender Ranks

FIRST INTEGRITY MORTGAGE SERVICES, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#19** in Kingsport Mortgage Companies
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/mortgage-companies)
- 🏆 **#19** in Kingsport for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kingsport/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Missouri for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/mortgage-companies/usda-loans)

## Frequently Asked Questions

### What loan types does FIRST INTEGRITY MORTGAGE SERVICES, INC. offer?

FIRST INTEGRITY MORTGAGE SERVICES, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FIRST INTEGRITY MORTGAGE SERVICES, INC. offer mortgages?

FIRST INTEGRITY MORTGAGE SERVICES, INC. offers mortgages in 14 states: FL, GA, IA, IL, KS, MD, MN, MO, NC, SC, TN, TX, VA, WI.

### How competitive are FIRST INTEGRITY MORTGAGE SERVICES, INC.'s mortgage rates?

FIRST INTEGRITY MORTGAGE SERVICES, INC. has a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.563% above market average.

### What type of lender is FIRST INTEGRITY MORTGAGE SERVICES, INC.?

FIRST INTEGRITY MORTGAGE SERVICES, INC. is a non-depository lender that specializes in mortgage origination, headquartered in ST. LOUIS, MO.

### What is FIRST INTEGRITY MORTGAGE SERVICES, INC.'s loan approval success rate?

FIRST INTEGRITY MORTGAGE SERVICES, INC. has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/first-integrity-mortgage-services

### How to Cite

> "FIRST INTEGRITY MORTGAGE SERVICES, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-integrity-mortgage-services

---

**[View Interactive Profile →](https://saferate.com/lenders/first-integrity-mortgage-services)**