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

2021 Data | 2020 Data | 2019 Data | 2018 Data


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 include St. Louis, Kansas City, Los Angeles, West Plains, and Columbia among others. First Integrity Mortgage Services has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. First Integrity Mortgage Services is typically a low fee lendor.


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

Relative Rate

First Integrity Mortgage Services 's average 30 year fixed rate mortgage of loans were 3.22%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.07%.

Relative Fees

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

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

Top Markets

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.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average 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 the 2021 period, First Integrity Mortgage Services 's most frequently originated loan type of loans were Conventional, with 582 originations. Their 2nd most popular type is FHA, with 152 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average 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 the 2021, First Integrity Mortgage Services 's most frequently cited loan purpose of loans were Home Purchase, with 414 originations. The 2nd most popular reason of loans were 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 the 2021, First Integrity Mortgage Services 's most frequently cited loan length of loans were 30 Year, with 670 originations. The 2nd most popular length of loans were 15 Year, with 68 originations.

Origination Fees

Origination Fee 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 29 $6,485,000 $223,621
$5k+ 11 $3,905,000 $355,000

$3,203 of loans were First Integrity Mortgage Services 's average total fees, while their most frequently occuring range of origination fees 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 of loans were 3.22%, while their most frequently originated rate bucket of loans were 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
94.12%

First Integrity Mortgage Services has an average approval rate.

Pick Rate

Approvals leading to origination
75.17%

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%