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canonical_url: https://lendb.ai/lender/first-equity-mortgage-incorporated-21157
last_verified: 2026-10-13
---

# First Equity Mortgage Incorporated

Company NMLS ID 21157 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/21157)).

FHA-approved lender (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

First Equity Mortgage Incorporated (company NMLS 21157) is an independent mortgage lender. LenDb lists 10 of its loan officers, each with an individual NMLS ID, licensed states and sources.

## Lending activity (HMDA)

Funded 1,278 home loans in 2025 (HMDA), 1,137 conventional.

- By loan type: 1,137 conventional, 39 FHA, 100 VA, 2 USDA.
- By purpose: 1,269 purchase, 7 refinance, 2 other (home improvement and other closed-end loans).
- 59 jumbo (above the conforming loan limit); 21 for investment properties.
- Down 6% from 2024 (1,357 loans).
- About $640.0 million in loan amounts (HMDA reports amounts in $10,000 bands).

Source: [HMDA, FFIEC/CFPB, 2025](https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025). Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans.

## Loan officers

- [Chris Niere](https://lendb.ai/lo/christopher-niere-186567) (NMLS 186567), LOAN OFFICER
- [Dan Sagle](https://lendb.ai/lo/daniel-sagle-175554) (NMLS 175554), LOAN OFFICER
- [Dustin Kaffenberger](https://lendb.ai/lo/dustin-kaffenberger-19937) (NMLS 19937), LOAN OFFICER
- [Mike Cosgrove](https://lendb.ai/lo/michael-cosgrove-436411) (NMLS 436411), LOAN OFFICER
- [Nick Kennard](https://lendb.ai/lo/robert-kennard-1135062) (NMLS 1135062), VICE PRESIDENT / SALES MANAGER
- [Paul Richard](https://lendb.ai/lo/paul-richard-868647) (NMLS 868647), LOAN OFFICER
- [Peggy Beckett](https://lendb.ai/lo/peggy-beckett-756575) (NMLS 756575), LOAN OFFICER
- [Robyn Beatty](https://lendb.ai/lo/robyn-beatty-164905) (NMLS 164905)
- [Steve Schlagbaum](https://lendb.ai/lo/steven-schlagbaum-1312199) (NMLS 1312199), LOAN OFFICER
- [Thomas J. Skope](https://lendb.ai/lo/thomas-j-skope-652985) (NMLS 652985)

Cite as: LenDb.ai, https://lendb.ai/lender/first-equity-mortgage-incorporated-21157.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._