First Integrity Mortgage Services Rates, Fees & Info

ST. LOUIS, MO

LEI: 549300Q7ODSDOEDUNP68

Tax ID: 43-1633831

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    First Integrity Mortgage Services is a smaller mortgage company specializing in Home Purchase 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, Springfield, Farmington, and Columbia among others. We have data for 7 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 a low 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.00% 4/21/24
    30 Year Conventional Refi 6.79% 4/21/24
    30 Year Cash-out Refi 6.99% 4/21/24
    30 Year FHA Purchase 7.52% 4/21/24
    30 Year FHA Refi 7.32% 4/21/24
    30 Year VA Purchase 6.68% 4/21/24
    30 Year USDA Purchase 7.03% 4/21/24
    15 Year Conventional Purchase 4.81% 4/21/24
    15 Year Conventional Refi 6.23% 4/21/24
    15 Year Cash-out Refi 6.23% 4/21/24
    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.

    First Integrity Mortgage Services Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from First Integrity Mortgage Services. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    329

    Origination Dollar Volume (All Markets)

    $60,035,000

    Awards

    FIRST INTEGRITY MORTGAGE SERVICES FHA Loans gold FIRST INTEGRITY MORTGAGE SERVICES FHA Loans gold FIRST INTEGRITY MORTGAGE SERVICES VA Loans gold
    Show all (3) awards

    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) 308 $56,380,000 $183,052 $2,706 4.98%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 9 $1,905,000 $211,667 $3,206 5.06%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $500,000 $250,000 $5,457 4.88%
    Outside of Metro Areas 3 $385,000 $128,333 $3,171 5.21%
    Farmington, MO (FHA|USDA|VA) 3 $325,000 $108,333 $2,280 4.71%
    COLUMBIA, MO (FHA|USDA|VA) 2 $280,000 $140,000 $491 5.13%
    JEFFERSON CITY, MO (FHA|USDA|VA) 2 $260,000 $130,000 $727 4.81%
    First Integrity Mortgage Services's top markets include St. Louis, Kansas City, Springfield, Farmington, and Columbia among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Illinois (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.

    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 68
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 100
    Community Bank of Trenton
    Similarity Rank: 108
    KCB Bank
    Similarity Rank: 108
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 146
    Clay County Savings Bank
    Similarity Rank: 148
    First National Bank of Waterloo
    Similarity Rank: 200
    RELIANCE BANK
    Similarity Rank: 238
    CapGrow Home Mortgage, LLC
    Similarity Rank: 272
    JERSEY STATE BANK
    Similarity Rank: 354

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 214 $42,200,000 $197,196 $2,231 5.14%
    FHA 98 $14,750,000 $150,510 $3,633 4.73%
    VA 16 $3,030,000 $189,375 $3,656 4.45%
    USDA 1 $55,000 $55,000 $0 5.25%

    For 2018, First Integrity Mortgage Services's most frequently originated type of loan was Conventional, with 214 originations. Their 2nd most popular type was FHA, with 98 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 288 $51,900,000 $180,208 $2,589 4.99%
    Refi 22 $4,830,000 $219,545 $4,098 4.94%
    Cash Out Refi 16 $3,050,000 $190,625 $3,265 4.94%
    Other 3 $255,000 $85,000 $1,327 4.92%

    For 2018, First Integrity Mortgage Services's most frequently cited loan purpose was Home Purchase, with 288 originations. The 2nd most popular reason was Refi, with 22 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 315 $57,995,000 $184,111 $2,721 4.99%
    15 Year 7 $1,335,000 $190,714 $3,418 4.73%
    Other 4 $350,000 $87,500 $989 5.00%
    20 Year 3 $355,000 $118,333 $2,343 4.79%

    For 2018, First Integrity Mortgage Services's most frequently cited loan duration was 30 Year, with 315 originations. The 2nd most popular length was 15 Year, with 7 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 192 $31,090,000 $161,927
    $1k-2k 108 $22,750,000 $210,648
    $2k-3k 14 $2,400,000 $171,429
    $5k+ 7 $1,735,000 $247,857
    $3k-4k 4 $1,120,000 $280,000
    $4k-5k 4 $940,000 $235,000

    First Integrity Mortgage Services's average total fees were $2,721, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 192 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 185 $36,155,000 $195,432
    5-6% 136 $22,370,000 $164,485
    3-4% 7 $1,215,000 $173,571
    6-7% 1 $295,000 $295,000

    During 2018, First Integrity Mortgage Services's average interest rate for loans was 4.99%, while their most frequently originated rate bucket for loans was 4-5%, with 185 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 154 $23,530,000 $152,792 $2,432 4.89%
    $200k-400k 94 $25,060,000 $266,596 $3,558 4.97%
    $100,000 or less 66 $4,810,000 $72,879 $1,831 5.20%
    $400k-600k 15 $6,635,000 $442,333 $4,147 5.03%

    2018 saw First Integrity Mortgage Services place emphasis on $100k-200k loans with 154 originations, totaling $23,530,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 93 $10,905,000 $117,258 $2,111 5.01%
    $50k-75k 79 $12,545,000 $158,797 $2,439 4.95%
    $100k-150k 53 $12,735,000 $240,283 $3,487 5.01%
    $75k-100k 49 $9,385,000 $191,531 $3,437 4.81%
    $150k-250k 37 $9,145,000 $247,162 $2,748 5.18%
    $250k+ 17 $5,155,000 $303,235 $2,605 5.01%

    First Integrity Mortgage Services lent most frequently to those with incomes in the $50k or less range, with 93 originations. The second most popular income band? $50k-75k, with 79 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 62 $11,720,000 $189,032 $2,568 5.05%
    20-30% 62 $11,430,000 $184,355 $2,521 4.93%
    50-60% 24 $3,760,000 $156,667 $3,406 4.60%
    44% 22 $4,220,000 $191,818 $2,803 4.98%
    48% 18 $3,310,000 $183,889 $2,686 4.87%
    38% 16 $2,500,000 $156,250 $2,643 5.20%
    41% 15 $2,865,000 $191,000 $2,919 4.99%
    43% 14 $2,970,000 $212,143 $3,347 5.01%
    37% 13 $2,325,000 $178,846 $3,071 4.95%
    42% 12 $2,040,000 $170,000 $3,044 5.20%
    36% 12 $1,840,000 $153,333 $2,047 5.03%
    45% 12 $2,260,000 $188,333 $3,140 4.97%
    49% 11 $2,005,000 $182,273 $2,501 5.14%
    47% 10 $2,230,000 $223,000 $3,000 4.84%
    39% 9 $1,545,000 $171,667 $2,107 5.04%
    <20% 8 $1,440,000 $180,000 $2,676 5.08%
    46% 5 $935,000 $187,000 $2,016 5.48%
    40% 4 $640,000 $160,000 $1,291 4.88%

    First Integrity Mortgage Services lent most frequently to those with DTI ratios of 30-36%, with 62 originations. The next most common DTI ratio? 20-30%, with 62 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 276 $50,170,000 $181,775 $2,819 4.99%
    Black 45 $8,705,000 $193,444 $2,196 4.95%
    Not provided 3 $575,000 $191,667 $1,764 4.54%
    American Indian 2 $230,000 $115,000 $2,074 5.06%
    Asian 2 $200,000 $100,000 $2,919 5.31%
    Other Asian 1 $155,000 $155,000 $0 4.75%

    Approval Rates

    Total approvals of all applications
    94.55%

    First Integrity Mortgage Services has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.56%

    First Integrity Mortgage Services has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 329 $60,035,000 $182,477

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 2 $330,000 $165,000
    Single Family (1-4 Units):Site-Built 327 $59,705,000 $182,584

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 10 $1,950,000 $195,000 $1,155 5.11%
    40-60% 10 $2,190,000 $219,000 $2,978 4.87%
    60-80% 63 $14,685,000 $233,095 $2,855 5.18%
    80-100% 226 $39,620,000 $175,310 $2,832 4.91%
    Over 100% 2 $620,000 $310,000 $7,669 4.69%
    Under 20% 18 $970,000 $53,889 $864 5.27%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Closing on a mortgage 1 33.3%
    FIRST COMMUNITY MORTGAGE, INC. Conventional home mortgage Trouble during payment process 1 33.3%
    FIRST COMMUNITY MORTGAGE, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%