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First Integrity Mortgage Services, Inc.

St. Louis, MO

First Integrity Mortgage Services, Inc. processed 426 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 324 loans with a 3.0% denial rate. Home Purchase was the primary loan purpose. Based in St. Louis, MO. The approval rate of 76.1% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. First Integrity Mortgage Services, Inc.'s 76.1% origination rate tells you how often an application turned into funded money; the 3.0% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Collateral, Insufficient cash, which together explain the majority of rejections. Most activity concentrated in Conventional loans (239 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

426
Applications
324
Originated
3.0%
Denial Rate
$241,408
Avg Loan Amount
Avg Interest Rate: 6.964% Avg Applicant Income: $39,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 239 183 6 $260,439
FHA 146 104 6 $208,836
VA 29 27 1 $295,345
USDA 12 10 0 $128,333

Top loan types - First Integrity Mortgage Services, Inc.

Top loan types - First Integrity Mortgage Services, Inc. Horizontal bar chart of the top 4 items by value (applications). Top loan types - First Integrity Mortgage Services, Inc. Top 4 1. Conventional 239 2. FHA 146 3. VA 29 4. USDA 12 Top 5 loan types by application volume at First Integrity Mortgage Services, Inc. (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for First Integrity Mortgage Services, Inc. (LEI: 549300Q7ODSDOEDUNP68) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
4
Collateral
4
Insufficient cash
3
Unverifiable information
2
Other
1
Credit history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 373 283 $243,257
Cash-out Refinancing 23 17 $211,087
Refinancing 22 19 $277,727
Other 8 5 $142,500

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 305 80.0% 1.3%
Black or African American 84 79.8% 6.0%
Asian * 7 71.4% 0.0%
Joint * 3 0.0% 33.3%
American Indian or Alaska Native * 1 100.0% 0.0%
Native Hawaiian or Other Pacific Islander * 1 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 375 80.3% 2.4%
Hispanic or Latino * 15 66.7% 0.0%
Joint * 10 40.0% 20.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in MO

Other HMDA-reporting lenders in MO with similar activity. Compare any two side-by-side.

Mortgage Research Center

Columbia, MO

147,700 apps 73,759 originated 15.9% denied

Nbkc Bank

KANSAS CITY, MO

18,437 apps 7,830 originated 6.9% denied

Flat Branch Mortgage, INC.

COLUMBIA, MO

17,606 apps 13,902 originated 1.5% denied

Das Acquisition Company, LLC

SAINT LOUIS, MO

12,120 apps 7,831 originated 2.1% denied

The Central Trust Bank

JEFFERSON CITY, MO

11,306 apps 7,513 originated 8.9% denied
Compare First Integrity Mortgage Services, Inc. vs Mortgage Research Center →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did First Integrity Mortgage Services, Inc. process?
First Integrity Mortgage Services, Inc. processed 426 mortgage applications in the 2024 HMDA reporting year. Of these, 324 were originated (approved and funded), 89 were withdrawn by the applicant, and 13 were denied.
What is First Integrity Mortgage Services, Inc.'s mortgage approval rate?
First Integrity Mortgage Services, Inc. has an approval (origination) rate of 76.1%, meaning 76.1% of all applications resulted in a funded mortgage. The denial rate is 3.0%.
What is the average loan amount at First Integrity Mortgage Services, Inc.?
The average mortgage loan amount at First Integrity Mortgage Services, Inc. is $241,408. The average interest rate is 6.964%. The average applicant income is $39,000.
What are the most common reasons for mortgage denial at First Integrity Mortgage Services, Inc.?
The most common reasons for mortgage denial at First Integrity Mortgage Services, Inc. are: Debt-to-income ratio, Collateral, Insufficient cash. In total, 13 applications were denied out of 426 total applications.
What types of mortgage loans does First Integrity Mortgage Services, Inc. offer?
First Integrity Mortgage Services, Inc. processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 239 applications and an average loan amount of $260,439.
What loan purposes does First Integrity Mortgage Services, Inc. serve?
First Integrity Mortgage Services, Inc. serves the following loan purposes: Home Purchase (373 applications), Cash-out Refinancing (23 applications), Refinancing (22 applications), Other (8 applications). Home Purchase is the most common purpose.
Where is First Integrity Mortgage Services, Inc. located?
First Integrity Mortgage Services, Inc. is headquartered in St. Louis, MO. The lender is identified by LEI 549300Q7ODSDOEDUNP68 in HMDA data.
How does First Integrity Mortgage Services, Inc. compare in lending across racial demographics?
First Integrity Mortgage Services, Inc. reports demographic lending data under HMDA requirements. White applicants have an approval rate of 80.0% and denial rate of 1.3%; Black or African American applicants have an approval rate of 79.8% and denial rate of 6.0%; Asian applicants have an approval rate of 71.4% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.