First Integrity Mortgage Services Rates, Fees & Info

ST. LOUIS, MO

LEI: 549300Q7ODSDOEDUNP68

Tax ID: 43-1633831

5 stars - out of 5 stars, based on 28 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    First Integrity Mortgage Services is a smaller mortgage company specializing in Home Purchase and Refi loans. First Integrity Mortgage Services has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Kansas City, Los Angeles, West Plains, and Columbia among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Integrity Mortgage Services has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Integrity Mortgage Services is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.78% 3/19/23
    30 Year Conventional Refi 6.59% 3/19/23
    30 Year Cash-out Refi 6.77% 3/19/23
    30 Year FHA Purchase 7.60% 3/19/23
    30 Year FHA Refi 7.42% 3/19/23
    30 Year VA Purchase 6.40% 3/19/23
    30 Year VA Refi 6.01% 3/19/23
    30 Year USDA Purchase 6.88% 3/19/23
    30 Year USDA Refi 6.27% 3/19/23
    15 Year Conventional Purchase 6.33% 3/19/23
    15 Year Conventional Refi 6.06% 3/19/23
    15 Year Cash-out Refi 6.06% 3/19/23
    15 Year FHA Refi 6.53% 3/19/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    775

    Origination Dollar Volume (All Markets)

    $171,335,000

    Awards

    FIRST INTEGRITY MORTGAGE SERVICES VA Loans silver FIRST INTEGRITY MORTGAGE SERVICES FHA Loans gold FIRST INTEGRITY MORTGAGE SERVICES VA Loans gold FIRST INTEGRITY MORTGAGE SERVICES USDA Loans gold
    Show all (4) awards

    Relative Rate

    First Integrity Mortgage Services's average 30 year fixed mortgage rate was 3.22%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.07%.

    Relative Fees (Closing Costs)

    First Integrity Mortgage Services's average total fees/closing costs for a 30 year fixed rate mortgage were $3,203.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ST. LOUIS, MO-IL (FHA|USDA|VA) 667 $148,705,000 $222,946 $3,093 3.15%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 36 $8,330,000 $231,389 $3,122 3.17%
    Outside of Metro Areas 26 $4,480,000 $172,308 $2,288 3.19%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 9 $3,375,000 $375,000 $3,012 2.93%
    West Plains, MO (FHA|USDA|VA) 13 $1,925,000 $148,077 $3,528 3.39%
    COLUMBIA, MO (FHA|USDA|VA) 6 $1,160,000 $193,333 $3,969 3.69%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $1,125,000 $375,000 $3,266 3.00%
    Farmington, MO (FHA|USDA|VA) 4 $570,000 $142,500 $1,648 3.00%
    Kirksville, MO (FHA|USDA|VA) 1 $305,000 $305,000 $2,607 3.50%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $270,000 $135,000 $2,072 3.31%
    Quincy, IL-MO (FHA|USDA|VA) 2 $270,000 $135,000 $3,490 2.88%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $260,000 $130,000 $3,496 2.88%
    Centralia, IL (FHA|USDA|VA) 1 $165,000 $165,000 $2,854 4.75%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,683 3.25%
    Marshall, MO (FHA|USDA|VA) 1 $135,000 $135,000 $6,113 3.63%
    Poplar Bluff, MO (FHA|USDA|VA) 1 $105,000 $105,000 $2,790 3.13%
    First Integrity Mortgage Services's top markets include St. Louis, Kansas City, Los Angeles, West Plains, and Columbia among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against FIRST INTEGRITY MORTGAGE SERVICES based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Town & Country Bank
    Similarity Rank: 328
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 426
    CapGrow Home Mortgage, LLC
    Similarity Rank: 552
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 627
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 693
    JERSEY STATE BANK
    Similarity Rank: 725
    CoreFirst Bank & Trust
    Similarity Rank: 759
    HNB National Bank
    Similarity Rank: 910
    First National Bank of Waterloo
    Similarity Rank: 938

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 582 $134,520,000 $231,134 $2,553 3.17%
    FHA 152 $28,060,000 $184,605 $5,098 3.22%
    VA 30 $7,230,000 $241,000 $3,053 2.85%
    USDA 11 $1,525,000 $138,636 $2,818 3.05%

    For 2021, First Integrity Mortgage Services's most frequently originated type of loan was Conventional, with 582 originations. Their 2nd most popular type was FHA, with 152 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 414 $90,890,000 $219,541 $3,468 3.26%
    Refi 233 $53,365,000 $229,034 $2,565 2.97%
    Cash Out Refi 116 $24,980,000 $215,345 $2,838 3.23%
    Other 12 $2,100,000 $175,000 $1,562 3.05%

    For 2021, First Integrity Mortgage Services's most frequently cited loan purpose was Home Purchase, with 414 originations. The 2nd most popular reason was Refi, with 233 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 670 $150,350,000 $224,403 $3,203 3.22%
    15 Year 68 $13,850,000 $203,676 $2,296 2.62%
    20 Year 25 $5,145,000 $205,800 $2,264 3.11%
    Other 8 $1,370,000 $171,250 $2,014 3.08%
    10 Year 4 $620,000 $155,000 $2,174 2.50%

    For 2021, First Integrity Mortgage Services's most frequently cited loan duration was 30 Year, with 670 originations. The 2nd most popular length was 15 Year, with 68 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 438 $99,820,000 $227,900
    $<1k 253 $52,965,000 $209,348
    $2k-3k 39 $7,365,000 $188,846
    $3k-4k 23 $4,895,000 $212,826
    $5k+ 11 $3,905,000 $355,000
    $4k-5k 6 $1,590,000 $265,000

    First Integrity Mortgage Services's average total fees were $3,203, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 438 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 417 $88,925,000 $213,249
    2.5-3% 263 $61,705,000 $234,620
    <2.5% 59 $13,455,000 $228,051
    4-5% 35 $6,815,000 $194,714
    5-6% 1 $435,000 $435,000

    During 2021, First Integrity Mortgage Services's average interest rate for loans was 3.22%, while their most frequently originated rate bucket for loans was 3-4%, with 417 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 363 $55,445,000 $152,741 $2,810 3.17%
    $200k-400k 303 $83,565,000 $275,792 $3,410 3.09%
    $100,000 or less 55 $4,495,000 $81,727 $2,354 3.53%
    $400k-600k 51 $24,275,000 $475,980 $3,624 3.11%
    $1MM+ 2 $2,650,000 $1,325,000 $4,835 3.31%
    $600k-1MM 1 $905,000 $905,000 $5,263 3.25%

    2021 saw First Integrity Mortgage Services place emphasis on $100k-200k loans with 363 originations, totaling $55,445,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 198 $35,500,000 $179,293 $3,171 3.23%
    $50k or less 166 $24,680,000 $148,675 $2,995 3.20%
    $100k-150k 164 $42,200,000 $257,317 $2,877 3.13%
    $75k-100k 126 $27,490,000 $218,175 $3,129 3.14%
    $150k-250k 93 $30,185,000 $324,570 $3,457 3.07%
    $250k+ 23 $10,325,000 $448,913 $2,737 3.14%

    First Integrity Mortgage Services lent most frequently to those with incomes in the $50k-75k range, with 198 originations. The second most popular income band? $50k or less, with 166 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 178 $40,770,000 $229,045 $2,558 3.12%
    30-36% 143 $32,415,000 $226,678 $2,856 3.17%
    <20% 73 $16,675,000 $228,425 $2,465 2.91%
    43% 39 $8,165,000 $209,359 $3,503 3.35%
    50-60% 34 $7,210,000 $212,059 $5,136 3.05%
    38% 34 $7,190,000 $211,471 $2,900 3.16%
    44% 34 $7,900,000 $232,353 $4,286 3.25%
    36% 30 $6,450,000 $215,000 $3,133 3.23%
    40% 28 $6,690,000 $238,929 $2,897 3.17%
    39% 26 $5,040,000 $193,846 $3,170 3.26%
    41% 25 $5,505,000 $220,200 $3,092 3.11%
    37% 22 $4,690,000 $213,182 $2,504 3.12%
    48% 21 $4,575,000 $217,857 $3,617 3.36%
    42% 19 $4,835,000 $254,474 $3,640 3.34%
    45% 18 $3,640,000 $202,222 $3,489 3.38%
    46% 18 $3,200,000 $177,778 $3,625 3.19%
    49% 18 $3,380,000 $187,778 $4,516 3.41%
    47% 15 $3,005,000 $200,333 $2,493 3.18%

    First Integrity Mortgage Services lent most frequently to those with DTI ratios of 20-30%, with 178 originations. The next most common DTI ratio? 30-36%, with 143 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 619 $139,805,000 $225,856 $2,793 3.15%
    Black 113 $22,425,000 $198,451 $4,594 3.28%
    Not provided 30 $6,480,000 $216,000 $3,335 3.13%
    Asian 8 $1,590,000 $198,750 $2,880 3.03%
    American Indian 5 $1,035,000 $207,000 $2,183 2.85%

    Approval Rates

    Total approvals of all applications
    94.95%

    First Integrity Mortgage Services has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.65%

    First Integrity Mortgage Services has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $145,000 $145,000
    NA 774 $171,190,000 $221,176

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    775 $171,335,000 $221,077

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 26 $4,760,000 $183,077 $2,149 3.08%
    40-60% 86 $18,860,000 $219,302 $2,346 2.79%
    60-80% 265 $63,305,000 $238,887 $2,620 3.18%
    80-100% 383 $82,405,000 $215,157 $3,619 3.23%
    Over 100% 4 $960,000 $240,000 $7,912 3.19%
    Under 20% 11 $1,045,000 $95,000 $979 3.23%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST PRIORITY MORTGAGE, INC. FHA mortgage Closing on a mortgage 3 100.0%