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First Integrity Mortgage Services, Inc.

Independent Mortgage CompanyST. LOUIS, MODirect to Consumer

First Integrity Mortgage Services has 302 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA
Place
Sound
Multi-Region · 5 mkts

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Rates typically 56 basis points above market average

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Report Card

First Integrity Mortgage Services, Inc. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+56.3 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional6 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Acceptable
Sound
17056.3%
+0.496%Above
$1,896Fees
FHA Loans
Sound
Strong
Acceptable
Strong
9832.5%
+0.819%Above
$2,239Fees
VA Loans
Sound
Sound
Sound
258.3%
+0.131%Above
$1,032Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Acceptable
Sound
27089.4%
+0.580%Above
$1,960Fees
Refinance
Acceptable
Acceptable
Acceptable
Sound
3210.6%
+0.456%Above
$1,776Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
302
Applications
394
Volume
$76 million
Pricing & Closing
Avg Rate Spread
+0.563%
vs. market APOR
Avg Net Fees
$1,934
Origination − Credits
Pullthrough Rate
76.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$253,411
Avg Borrower Income
$106,440
Avg Property Value
$305,927

Geographic Coverage

Geographic Performance

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%of portfolio
Place
Strong
2
Kingsport, TN-VAMSA
Volume: 25Mix: 8.28%of portfolio
Place
Sound
3
Jacksonville, FL, FLMSA
Volume: 15Mix: 4.97%of portfolio
Place
Sound
4
Kansas City, MO, MO-KSMSA
Volume: 16Mix: 5.30%of portfolio
Place
Sound
5
Deltona, FLMSA
Volume: 11Mix: 3.64%of portfolio
Place
Sound

Top States by Place Specialization Score

1
MOState
Volume: 165Mix: 54.64%of portfolio
Place
Strong
2
SCState
Volume: 27Mix: 8.94%of portfolio
Place
Sound
3
TNState
Volume: 27Mix: 8.94%of portfolio
Place
Sound
4
FLState
Volume: 31Mix: 10.26%of portfolio
Place
Sound
5
ILState
Volume: 15Mix: 4.97%of portfolio
Place
Sound
6
VAState
Volume: 14Mix: 4.64%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.