First Integrity Mortgage Services

What First Integrity Mortgage Services does

First Integrity Mortgage Services is a private retail mortgage lending team headquartered in St. Louis, Missouri, that originates and processes residential mortgage loans for individual homebuyers, refinancing homeowners, and property investors. Founded in 1993 and operating since as 'First Integrity Team of Supreme Lending' under the legal parent Everett Financial, Inc. (Branch NMLS #276593 of Supreme Lending NMLS #2129), the company holds active origination licenses in Missouri, Florida, South Carolina, and Tennessee, and is explicitly excluded from New York. It operates two physical offices in the St. Louis metro (3636 S Geyer Road and 1807 Park 270 Drive) and runs sales-led origination via phone, website, and in-person consultations, with named loan officers (David Faron, Michael Stanley, and others) handling personalized borrower engagement.

The product portfolio spans the full residential mortgage spectrum: government-backed FHA, VA, and USDA loans; conventional conforming and jumbo products; fixed-rate and adjustable-rate mortgages; rate-and-term and cash-out refinance; renovation and home improvement loans; home equity loans; first-time homebuyer programs; and down payment assistance resources. The underlying technology is a standard mortgage origination platform supporting application intake, processing, underwriting, and a public-facing PITI mortgage calculator; there is no proprietary AI, mobile app, or API layer. Revenue is generated transactionally through origination fees (typically ~1% of loan amount), processing and underwriting fees, discount points, loan servicing, and interest income, with no publicly disclosed pricing or volume figures.

The company has accumulated nearly three decades of operating history and 956 Google reviews at a 5.0-star average, suggesting a strong local reputation in the St. Louis market. It relies on a mix of SEO-driven website traffic, social media presence across Facebook, X, LinkedIn, Instagram, and YouTube, Google reviews for social proof, and real-estate-agent referral networks for customer acquisition. Customer concentration is entirely on the retail consumer side, with no institutional, employer, or broker-of-record counterparties disclosed, making revenue cyclically sensitive to housing turnover and mortgage rate cycles.

Name

First Integrity Mortgage Services

Legal name

Everett Financial, Inc.

Website

https://firstintegrity.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

51–100 employees

Short description

First Integrity Mortgage Services is a St. Louis-based retail mortgage lender operating as a branch of Supreme Lending (Everett Financial, Inc.), originating FHA, VA, conventional, USDA, jumbo, and refinance loans for individual homebuyers and homeowners across Missouri, Florida, South Carolina, and Tennessee since 1993.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG)

akta.pro secondary industry

Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

Keywords

• Mortgage lending
• Home loans
• Loan origination
• Refinancing services
• Home financing

Headquarters

HQ city

St Louis

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mortgage Loan Origination: Revenue generated from origination fees charged on mortgage loans (typically 1% of loan amount), processing fees, underwriting fees, and discount points used to lower interest rates. Additional revenue from loan servicing and interest income.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

First Integrity Mortgage Services is a residential mortgage lending team that originates and underwrites home purchase and refinance loans for individual consumers. It offers a portfolio of loan products including FHA, VA, USDA, Conventional, Jumbo, Renovation, fixed-rate, adjustable-rate, and home equity loans, along with down payment assistance programs, delivered through direct loan officer engagement in the St. Louis market and across multiple U.S. states.

Product overview

First Integrity Mortgage Services operates as a mortgage lending team under Supreme Lending (Everett Financial, Inc.), offering a comprehensive portfolio of mortgage products and services. The core offering consists of government-backed loans including FHA, VA, and USDA loans alongside conventional mortgage products. Additional offerings include refinancing options (rate/term and cash-out), renovation loans, and home improvement financing. The company provides specialized programs for first-time homebuyers with down payment assistance, and offers digital tools including a mortgage calculator. The product portfolio is delivered across multiple states (Florida, Missouri, South Carolina, Tennessee) with physical branch locations in the St. Louis, MO area.

Differentiator

Problem solved

Functional benefit

Products and services

• FHA Loans
• VA Loans
• Conventional Loans
• USDA Loans
• Jumbo Loans
• Refinance Mortgage
• Renovation Loans
• Fixed-Rate Mortgage
• Adjustable-Rate Mortgage (ARM)
• Home Equity Loans
• First-Time Homebuyer Loans
• Down Payment Assistance

Quantifiable outcome

• 5.0 star rating based on 956 Google reviews

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• loanDepot: Large, publicly-traded retail and direct-to-consumer mortgage lender offering the full suite of purchase, refinance, FHA, VA, and HELOC products; while much larger, its retail loan officer division competes head-to-head with branch-based lenders for the same purchase transactions.
• NewRez (formerly New Penn Financial): National mortgage servicer and retail originator offering FHA, VA, Conventional, USDA, and Jumbo products via retail branch channels overlapping with First Integrity's footprint and customer segments.
• Rocket Mortgage: Largest U.S. retail mortgage originator with a primarily direct-to-consumer digital funnel but growing loan-officer support; competes for first-time buyer and refinance volume across all four of First Integrity's licensed states.
• Guaranteed Rate: National retail mortgage lender with a large distributed loan officer network offering FHA, VA, Conventional, Jumbo, and renovation loans; competes in overlapping geographies and segments with First Integrity.

Direct peers

• Movement Mortgage: Retail mortgage lender operating a distributed branch network with dedicated loan officers, competitive focus on first-time homebuyers, and a multi-state license footprint that closely mirrors First Integrity's model.
• Guild Mortgage: Retail-focused residential mortgage lender with a multi-state branch network, comparable product breadth (Conventional, FHA, VA, USDA, Jumbo), and similar target segments including first-time homebuyers and refinancing homeowners.
• Fairway Independent Mortgage: Large retail mortgage banker operating a branch-based, sales-led model emphasizing personalized loan officer service and a similarly broad product mix (FHA, VA, Conventional, USDA, Jumbo, renovation) — directly comparable to First Integrity's positioning.
• Supreme Lending: The parent retail mortgage platform (NMLS #2129) under which First Integrity operates as a branch. Supreme Lending operates a comparable distributed branch model originating FHA, VA, USDA, Conventional, and Jumbo loans across multiple states via independent-producing branches.
• Caliber Home Loans: National retail mortgage originator offering FHA, VA, Conventional, USDA, Jumbo, and refinance products via branch-based loan officers targeting first-time buyers and refinancing homeowners — direct functional overlap with First Integrity.

Emerging players

• Better Home & Finance (Better.com): Digital-first mortgage lender that has been expanding into fully-digital purchase and refinance origination; emerging competitor for first-time homebuyers in particular, who are overindexed in First Integrity's customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/1stintmortgage
• Facebookfacebook.com/1stintegritymortgage
• LinkedInlinkedin.com/company/first-integrity-mortgage-services

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Integrity Mortgage Services