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 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, Springfield, Chicago, and Branson 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 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.

    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 7.00% 12/16/24
    30 Year Conventional Refi 6.79% 12/16/24
    30 Year Cash-out Refi 6.99% 12/16/24
    30 Year FHA Purchase 7.52% 12/16/24
    30 Year FHA Refi 7.32% 12/16/24
    30 Year VA Purchase 6.68% 12/16/24
    30 Year USDA Purchase 7.03% 12/16/24
    15 Year Conventional Purchase 4.81% 12/16/24
    15 Year Conventional Refi 6.23% 12/16/24
    15 Year Cash-out Refi 6.23% 12/16/24
    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

    852

    Origination Dollar Volume (All Markets)

    $186,180,000
    Show all (8) 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) 735 $163,785,000 $222,837 $2,578 3.15%
    Outside of Metro Areas 47 $7,725,000 $164,362 $2,931 3.28%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 31 $5,625,000 $181,452 $2,585 3.39%
    SPRINGFIELD, MO (FHA|USDA|VA) 16 $3,440,000 $215,000 $2,321 3.17%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 6 $1,870,000 $311,667 $1,954 3.06%
    Branson, MO (FHA|USDA|VA) 3 $995,000 $331,667 $2,179 3.67%
    Farmington, MO (FHA|USDA|VA) 3 $905,000 $301,667 $5,403 3.58%
    COLUMBIA, MO (FHA|USDA|VA) 3 $695,000 $231,667 $670 2.83%
    Mexico, MO (FHA|USDA|VA) 1 $185,000 $185,000 $3,180 4.13%
    Kirksville, MO (FHA|USDA|VA) 1 $175,000 $175,000 $464 3.50%
    Sedalia, MO (FHA|USDA|VA) 1 $155,000 $155,000 $2,018 3.25%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $155,000 $155,000 $4,798 3.63%
    West Plains, MO (FHA|USDA|VA) 1 $145,000 $145,000 $2,486 3.38%
    Warrensburg, MO (FHA|USDA|VA) 1 $125,000 $125,000 $2,370 4.00%
    DANVILLE, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,988 3.13%
    JOPLIN, MO (FHA|USDA|VA) 1 $85,000 $85,000 $3,361 2.88%
    First Integrity Mortgage Services's top markets include St. Louis, Kansas City, Springfield, Chicago, and Branson among others.

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

    United Bank of Union
    Similarity Rank: 245
    CapGrow Home Mortgage, LLC
    Similarity Rank: 352
    Prairie State Bank and Trust
    Similarity Rank: 360
    HNB National Bank
    Similarity Rank: 360
    Azura Credit Union
    Similarity Rank: 380
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 428
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 553
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 592
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 652
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 770

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 670 $152,890,000 $228,194 $2,267 3.17%
    FHA 123 $21,285,000 $173,049 $4,248 3.25%
    VA 40 $9,360,000 $234,000 $2,989 2.81%
    USDA 19 $2,645,000 $139,211 $2,538 3.31%

    For 2020, First Integrity Mortgage Services's most frequently originated type of loan was Conventional, with 670 originations. Their 2nd most popular type was FHA, with 123 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 411 $85,075,000 $206,995 $2,788 3.24%
    Refi 329 $79,145,000 $240,562 $2,395 3.02%
    Cash Out Refi 88 $18,870,000 $214,432 $2,765 3.28%
    Other 24 $3,090,000 $128,750 $1,285 3.42%

    For 2020, First Integrity Mortgage Services's most frequently cited loan purpose was Home Purchase, with 411 originations. The 2nd most popular reason was Refi, with 329 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 722 $159,270,000 $220,596 $2,665 3.22%
    15 Year 89 $18,205,000 $204,551 $2,224 2.82%
    20 Year 31 $6,505,000 $209,839 $2,231 3.05%
    Other 6 $1,400,000 $233,333 $1,840 3.06%
    10 Year 4 $800,000 $200,000 $1,497 2.66%

    For 2020, First Integrity Mortgage Services's most frequently cited loan duration was 30 Year, with 722 originations. The 2nd most popular length was 15 Year, with 89 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 477 $111,125,000 $232,966
    $<1k 320 $63,120,000 $197,250
    $2k-3k 25 $4,625,000 $185,000
    $3k-4k 14 $3,650,000 $260,714
    $4k-5k 8 $1,600,000 $200,000
    $5k+ 6 $1,780,000 $296,667

    First Integrity Mortgage Services's average total fees were $2,665, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 477 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 380 $77,890,000 $204,974
    2.5-3% 322 $76,570,000 $237,795
    <2.5% 91 $22,015,000 $241,923
    4-5% 57 $9,305,000 $163,246
    5-6% 2 $400,000 $200,000

    During 2020, 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 380 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 393 $60,055,000 $152,812 $2,379 3.21%
    $200k-400k 328 $87,200,000 $265,854 $2,862 3.06%
    $400k-600k 69 $31,815,000 $461,087 $3,120 3.03%
    $100,000 or less 59 $4,415,000 $74,831 $1,870 3.71%
    $600k-1MM 2 $1,270,000 $635,000 $1,553 3.25%
    $1MM+ 1 $1,425,000 $1,425,000 $4,477 3.00%

    2020 saw First Integrity Mortgage Services place emphasis on $100k-200k loans with 393 originations, totaling $60,055,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 219 $38,705,000 $176,735 $2,581 3.19%
    $100k-150k 171 $42,505,000 $248,567 $2,689 3.11%
    $50k or less 163 $23,625,000 $144,939 $2,614 3.27%
    $75k-100k 141 $28,875,000 $204,787 $2,689 3.24%
    $150k-250k 121 $38,095,000 $314,835 $2,427 3.05%
    $250k+ 34 $13,560,000 $398,824 $2,374 2.99%

    First Integrity Mortgage Services lent most frequently to those with incomes in the $50k-75k range, with 219 originations. The second most popular income band? $100k-150k, with 171 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 211 $47,795,000 $226,517 $2,374 3.17%
    30-36% 160 $35,770,000 $223,563 $2,496 3.10%
    <20% 99 $23,005,000 $232,374 $2,105 2.92%
    44% 38 $7,880,000 $207,368 $2,705 3.25%
    41% 37 $8,045,000 $217,432 $2,764 3.25%
    36% 34 $7,410,000 $217,941 $3,252 3.20%
    42% 32 $6,560,000 $205,000 $2,180 3.24%
    38% 29 $5,895,000 $203,276 $2,814 3.31%
    40% 29 $6,205,000 $213,966 $2,396 3.22%
    37% 28 $6,380,000 $227,857 $2,923 3.29%
    39% 26 $5,730,000 $220,385 $2,766 3.29%
    43% 25 $5,035,000 $201,400 $2,771 3.31%
    50-60% 19 $3,145,000 $165,526 $3,616 3.34%
    49% 19 $4,125,000 $217,105 $2,702 3.37%
    46% 18 $3,430,000 $190,556 $3,341 3.21%
    48% 17 $3,475,000 $204,412 $2,777 3.07%
    45% 17 $3,585,000 $210,882 $3,809 3.13%
    47% 12 $2,410,000 $200,833 $3,363 3.49%
    >60% 2 $300,000 $150,000 $3,359 3.25%

    First Integrity Mortgage Services lent most frequently to those with DTI ratios of 20-30%, with 211 originations. The next most common DTI ratio? 30-36%, with 160 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 715 $158,345,000 $221,462 $2,434 3.14%
    Black 102 $19,150,000 $187,745 $3,625 3.35%
    Not provided 17 $4,115,000 $242,059 $2,075 3.09%
    Asian 16 $3,970,000 $248,125 $3,633 3.19%
    Other Pacific Islander 1 $465,000 $465,000 $2,793 2.38%
    American Indian 1 $135,000 $135,000 $2,287 3.88%

    Approval Rates

    Total approvals of all applications
    93.72%

    First Integrity Mortgage Services has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.94%

    First Integrity Mortgage Services has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 852 $186,180,000 $218,521

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 4 $400,000 $100,000
    Single Family (1-4 Units):Site-Built 848 $185,780,000 $219,080

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 22 $3,410,000 $155,000 $1,740 3.23%
    40-60% 91 $20,075,000 $220,604 $2,218 3.02%
    60-80% 301 $75,055,000 $249,352 $2,410 3.13%
    80-100% 416 $85,270,000 $204,976 $2,895 3.22%
    Over 100% 2 $540,000 $270,000 $9,376 2.69%
    Under 20% 20 $1,830,000 $91,500 $1,008 3.22%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRSTRUST MORTGAGE, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    FIRSTRUST MORTGAGE, INC. Conventional home mortgage Closing on a mortgage 1 50.0%