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First Integrity Mortgage Services

Independent Mortgage Company•St. Louis, MOHQ•Direct•Reviews near you on Google

First Integrity Mortgage Services has 302 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 5 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Rates typically 56 basis points above market average

Explore another lender or local market

Report Card

First Integrity Mortgage Services performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+56.3 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume170
Mix56.3%
Spread
+0.496%Above
Fees
$1,896Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume98
Mix32.5%
Spread
+0.819%Above
Fees
$2,239Fees
VA Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume25
Mix8.3%
Spread
+0.131%Above
Fees
$1,032Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume270
Mix89.4%
Spread
+0.580%Above
Fees
$1,960Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Acceptable
Pull Through
Sound
Volume32
Mix10.6%
Spread
+0.456%Above
Fees
$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
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

14
14 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest6
IAILKSMNMOWI
South8
FLGAMDNCSCTNTXVA

Top Metro Areas by Place Specialization Score

1© WeaponizingArchitecture · CC BY-SA 4.0
St. Louis, MO, MO-ILMetro
Volume 148Mix 49.01% of portfolio
77/100
Strong
2© AppalachianCentrist · CC BY-SA 4.0
Kingsport, TN-VAMetro
Volume 25Mix 8.28% of portfolio
58/100
Sound
3© DXR · CC BY-SA 4.0
Jacksonville, FLMetro
Volume 15Mix 4.97% of portfolio
48/100
Sound
4© Lasse Fuss · CC BY-SA 3.0
Kansas City, MO, MO-KSMetro
Volume 16Mix 5.30% of portfolio
47/100
Sound
5© nick hoke · CC BY 3.0
Deltona, FLMetro
Volume 11Mix 3.64% of portfolio
46/100
Sound

Top States by Place Specialization Score

Missouri
Missouri
1
MissouriState
Volume 165Mix 54.64% of portfolio
71/100
Strong
South Carolina
South Carolina
2
South CarolinaState
Volume 27Mix 8.94% of portfolio
52/100
Sound
Tennessee
Tennessee
3
TennesseeState
Volume 27Mix 8.94% of portfolio
51/100
Sound
Florida
Florida
4
FloridaState
Volume 31Mix 10.26% of portfolio
48/100
Sound
Illinois
Illinois
5
IllinoisState
Volume 15Mix 4.97% of portfolio
43/100
Sound
Virginia
Virginia
6
VirginiaState
Volume 14Mix 4.64% of portfolio
43/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.