What loan types does First Integrity Mortgage Services offer?

First Integrity Mortgage Services offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does First Integrity Mortgage Services offer mortgages?

First Integrity Mortgage Services 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's mortgage rates?

First Integrity Mortgage Services has an overall pricing score of 32.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Integrity Mortgage Services?

First Integrity Mortgage Services is a Independent Mortgage Company headquartered in ST. LOUIS, MO.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

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

2/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

170 loans · 0.50% above market

Sound

Top 60% of lenders

3/5

FHA

98 loans · 0.82% above market

Strong

Top 40% of lenders

4/5

25 loans · 0.13% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

270 loans · 0.58% above market

Sound

Top 60% of lenders

3/5

Refinance

32 loans · 0.46% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 6 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

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%Above	$1,896Fees
FHA Loans	Sound	Strong	Acceptable	Strong	98	32.5%	+0.819%Above	$2,239Fees
VA Loans	Sound	Sound	—	Sound	25	8.3%	+0.131%Above	$1,032Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	270	89.4%	+0.580%Above	$1,960Fees
Refinance	Sound	Acceptable	Acceptable	Sound	32	10.6%	+0.456%Above	$1,776Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

14Full-year 2024 · HMDA

Loans originated

< 2020–5050+None

Midwest6

IAILKSMNMOWI

South8

FLGAMDNCSCTNTXVA

Top Metro Areas by Place Specialization Score

St. Louis, MO, MO-ILMetro

Volume 148Mix 49.01% of portfolio

77/100

Strong

Kingsport, TN-VAMetro

Volume 25Mix 8.28% of portfolio

58/100

Sound

Jacksonville, FLMetro

Volume 15Mix 4.97% of portfolio

48/100

Sound

Kansas City, MO, MO-KSMetro

Volume 16Mix 5.30% of portfolio

47/100

Sound

Deltona, FLMetro

Volume 11Mix 3.64% of portfolio

46/100

Sound

Top States by Place Specialization Score

MissouriState

Volume 165Mix 54.64% of portfolio

71/100

Strong

South CarolinaState

Volume 27Mix 8.94% of portfolio

52/100

Sound

TennesseeState

Volume 27Mix 8.94% of portfolio

51/100

Sound

FloridaState

Volume 31Mix 10.26% of portfolio

48/100

Sound

IllinoisState

Volume 15Mix 4.97% of portfolio

43/100

Sound

VirginiaState

Volume 14Mix 4.64% of portfolio

43/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.