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FIRST INTEGRITY MORTGAGE SERVICES, INC.
Independent Mortgage Company|ST. LOUIS, MO|Multi-Region
Loans Originated
302
Applications
394
Volume
$76 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.563%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,934
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Things to Think About
- Rates typically 56 basis points above market average
Report Card
FIRST INTEGRITY MORTGAGE SERVICES, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 6 metro areas · 14 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$253,411
Average Borrower Income
$106,440
Average Property Value
$305,927
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 170 | 56.3% | +0.496% | $1,896 |
FHA Loans | Sound | Strong | Acceptable | Strong | 98 | 32.5% | +0.819% | $2,239 |
VA Loans | Sound | Sound | N/A | Sound | 25 | 8.3% | +0.131% | $1,032 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Sound | 270 | 89.4% | +0.580% | $1,960 |
Refinance | Acceptable | Acceptable | Acceptable | Sound | 32 | 10.6% | +0.456% | $1,776 |
Geographic Coverage
Metro Areas
5
States Served
14
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
St. Louis, MO, MO-ILMSA
Volume: 148Mix: 49.01%
Place Specialization
Strong
2
Kingsport, TN-VAMSA
Volume: 25Mix: 8.28%
Place Specialization
Sound
3
Jacksonville, FL, FLMSA
Volume: 15Mix: 4.97%
Place Specialization
Sound
4
Kansas City, MO, MO-KSMSA
Volume: 16Mix: 5.30%
Place Specialization
Sound
5
Deltona, FLMSA
Volume: 11Mix: 3.64%
Place Specialization
Sound
Top States by Place Specialization Score
1
MOState
Volume: 165Mix: 54.64%
Place Specialization
Strong
2
SCState
Volume: 27Mix: 8.94%
Place Specialization
Sound
3
TNState
Volume: 27Mix: 8.94%
Place Specialization
Sound
4
FLState
Volume: 31Mix: 10.26%
Place Specialization
Sound
5
ILState
Volume: 15Mix: 4.97%
Place Specialization
Sound
6
VAState
Volume: 14Mix: 4.64%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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