The St. Louis skyline.



Since 1993, our team has helped thousands of borrowers achieve the American Dream of financial success through homeownership. Thanks to our dedicated team of mortgage professionals, customers, and partners, we have built a reputation for industry-leading customer service and dedication to the communities we serve. Whether you’re buying your first home or looking for a bigger space to grow into, we’re committed to your financial goals for life. 

Joseph Bayer, the founder of First Integrity Mortgage Services.


Joseph Bayer began his career in real estate in 1971 after graduating with a B.A. from St. Benedictine College (now Benedictine College). Joseph managed two offices for Gundaker Real Estate Company during his time with the company. In 1983, Joe was asked to open Residential Financial Services, Inc., a mortgage company of the Gundaker Company. During his tenure as President of Residential Financial Services Inc., Joe grew it into the largest mortgage company in the St. Louis Metropolitan Area. In 1993, Joe decided to venture out independently and founded First Integrity Mortgage Services, Inc.

First Integrity Mortgage Services, Inc. was designed to be a unique, independent mortgage firm whose growth depends on client referrals from satisfied customers. His vision was to structure the company so each department would have equal value and lean on one other for support. Joseph resides in St. Louis with his wife, Stavra. Joe and Stavra value family first and foremost, which is evident in their own family and the family they have created with their employees, clients, and business partners at First Integrity Mortgage Services, Inc. Joe retired in August of 2021 and is enjoying spending time with his wife.


First Integrity Mortgage Services, Inc. was designed to be a distinctive, independent mortgage firm whose
growth depends on client referrals from satisfied customers; each department was created to hold
equal value and the ability to lean on one another for support. 

Through streamlined and accessible communication, you can easily reach your mortgage team
throughout the loan process with the help of your Loan Coordinator. What’s a Loan Coordinator? Let’s
dive in.

Most mortgage companies are structured like an assembly line where your loan is moved from one
person to the next in a robotic sequence. Information can often get lost, like the game of telephone. At
First Integrity Mortgage Services, Inc., we have a unique loan process crafted with you in mind. Our Loan Coordinators are the
single point of contact for you, your Loan Officer, Realtor, and our Underwriters — keeping you in the
loop from pre-approval to closing day with full transparency and zero confusion.

We’re not just your mortgage lender for today. We’re your lender for life.

A man signing documents for his next home loan.

01. Expertise & Education

Our Mortgage Loan Originators specialize in helping you find the program that best fits your needs. We understand not every borrower is one-size-fits-all, and we will work with you to find a loan solution for your lifestyle.

At First Integrity Mortgage Services, Inc., we believe a clear understanding of the loan process will serve you for years to come. From start to finish, we’ll explain the entire process in as little or as much detail as you want. 

02. Efficiency

No one likes surprises when it comes to home loans. Our team is committed to clear and open communication and providing exceptional customer service for you and your Realtor throughout the loan process. Our streamlined approach gives you peace of mind that your loan will close on time.

03. Options

We offer customized loan options to fit every borrower’s unique lifestyle and needs. Our Mortgage Loan Originators take the time to understand your financial situation and match you with the loan program that fits best. We offer a vast portfolio of loan products, including Conventional, FHA, VA, and USDA, as well as special loan products like Power Plus, Home Improvement Loans, and much more. Check out our full portfolio of home loan products.


A man and his daughter holding hands while walking outside


First Integrity Mortgage Services, Inc. commits to earning long-term relationships by providing value to the communities we serve and delivering unique services that make us the lender of choice for value-minded customers. 


At First Integrity Mortgage Services, Inc., we care about the people we work with and the communities we serve. Through our FIMS Gives Back program, we prioritize sharing our success with the neighborhoods we call home and enriching and inspiring the lives of our employees.

Two women holding plush hearts up in front of a child.

First Integrity Mortgage Services, Inc. is located in St. Louis, Missouri. We are a premier provider of mortgages and home loans in Missouri, Illinois, Kansas, California, Iowa, Minnesota, Wisconsin, Tennessee, Georgia, Florida, Texas, Colorado, and Arkansas. We work on behalf of our customers to help them qualify for the home loan they deserve. Apply online today.

Consumers wishing to file a complaint against a mortgage lender or a licensed mortgage lender residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at A toll-free consumer hotline is available at 1-877-276-5550.The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage lender residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at