First Mortgage Solutions, LLC Mortgage Lending & HMDA Data, 2022
In 2022, First Mortgage Solutions, LLC of Kansas City, MO reported 1,639 mortgage applications totaling $763.5 million, down 75% from 2021. The average application was for $465,860, and applicants reported an average income of $171,234. 50% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (112), Dallas-Plano-Irving, TX (107) and Washington-Arlington-Alexandria, DC-VA-MD-WV (104) (applications in parentheses).
| Mortgage Company & Address | First Mortgage Solutions, LLC 9237 Ward Parkway, Suite 300 Kansas City, MO 64114 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 1,639 |
| Total Mortgage Loan Application Amount | $763,545,000 |
| Average Mortgage Loan Application Amount | $465,860 |
| Highest Mortgage Loan Application Amount | $2,855,000 |
| Average Applicant Income | $171,234 |
| Highest Applicant Income | $1,434,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Mortgage Solutions, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 112 | $ 46,330,000 | $ 413,660 | $ 190,000 |
| Dallas-Plano-Irving, TX | 107 | $ 51,275,000 | $ 479,205 | $ 173,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 104 | $ 61,610,000 | $ 592,403 | $ 186,384 |
| Austin-Round Rock, TX | 94 | $ 43,250,000 | $ 460,106 | $ 179,000 |
| Atlanta-Sandy Springs-Roswell, GA | 88 | $ 37,850,000 | $ 430,113 | $ 145,000 |
| Outside any metro area | 85 | $ 38,085,000 | $ 448,058 | $ 194,658 |
| Kansas City, MO-KS | 74 | $ 21,420,000 | $ 289,459 | $ 110,000 |
| Denver-Aurora-Lakewood, CO | 49 | $ 24,975,000 | $ 509,693 | $ 166,000 |
| Tampa-St. Petersburg-Clearwater, FL | 49 | $ 21,685,000 | $ 442,551 | $ 179,000 |
| Charlotte-Concord-Gastonia, NC-SC | 45 | $ 19,305,000 | $ 429,000 | $ 146,377 |
| Portland-Vancouver-Hillsboro, OR-WA | 40 | $ 19,930,000 | $ 498,250 | $ 159,400 |
| Fort Worth-Arlington, TX | 34 | $ 13,680,000 | $ 402,352 | $ 204,000 |
| San Antonio-New Braunfels, TX | 29 | $ 12,365,000 | $ 426,379 | $ 194,000 |
| Raleigh, NC | 26 | $ 12,900,000 | $ 496,153 | $ 210,000 |
| Seattle-Bellevue-Everett, WA | 25 | $ 15,465,000 | $ 618,600 | $ 237,000 |
| Colorado Springs, CO | 24 | $ 11,510,000 | $ 479,583 | $ 145,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 23 | $ 10,425,000 | $ 453,260 | $ 186,000 |
| Miami-Miami Beach-Kendall, FL | 22 | $ 10,600,000 | $ 481,818 | $ 170,000 |
| Los Angeles-Long Beach-Glendale, CA | 20 | $ 15,790,000 | $ 789,500 | $ 168,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 19 | $ 8,205,000 | $ 431,842 | $ 138,000 |
| Orlando-Kissimmee-Sanford, FL | 19 | $ 7,915,000 | $ 416,578 | $ 146,000 |
| Richmond, VA | 19 | $ 7,515,000 | $ 395,526 | $ 175,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 18 | $ 7,420,000 | $ 412,222 | $ 158,000 |
| Chicago-Naperville, IL | 16 | $ 8,470,000 | $ 529,375 | $ 241,000 |
| Baltimore-Columbia-Towson, MD | 15 | $ 6,735,000 | $ 449,000 | $ 127,000 |
| Jacksonville, FL | 15 | $ 6,995,000 | $ 466,333 | $ 145,000 |
| Oakland-Hayward-Berkeley, CA | 14 | $ 8,660,000 | $ 618,571 | $ 211,000 |
| Charleston-North Charleston, SC | 13 | $ 5,045,000 | $ 388,076 | $ 141,000 |
| New York-Jersey City-White Plains, NY-NJ | 13 | $ 7,215,000 | $ 555,000 | $ 167,000 |
| North Port-Sarasota-Bradenton, FL | 13 | $ 4,455,000 | $ 342,692 | $ 143,000 |
| Washington-Baltimore-Arlington, DC | 13 | $ 6,615,000 | $ 508,846 | $ 157,000 |
| Tacoma-Lakewood, WA | 12 | $ 5,690,000 | $ 474,166 | $ 164,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 11 | $ 5,435,000 | $ 494,090 | $ 230,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 11 | $ 6,345,000 | $ 576,818 | $ 201,000 |
| San Diego-Carlsbad, CA | 11 | $ 6,575,000 | $ 597,727 | $ 112,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 4,460,000 | $ 446,000 | $ 190,000 |
| Greenville-Anderson-Mauldin, SC | 10 | $ 3,960,000 | $ 396,000 | $ 154,000 |
| St. Louis, MO-IL | 10 | $ 4,440,000 | $ 444,000 | $ 131,400 |
| Montgomery County-Bucks County-Chester County, PA | 9 | $ 3,895,000 | $ 432,777 | $ 193,000 |
| Boise City, ID | 8 | $ 3,620,000 | $ 452,500 | $ 133,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 8 | $ 3,350,000 | $ 418,750 | $ 187,250 |
| San Jose-Sunnyvale-Santa Clara, CA | 8 | $ 7,180,000 | $ 897,500 | $ 235,000 |
| Anaheim-Santa Ana-Irvine, CA | 7 | $ 4,105,000 | $ 586,428 | $ 199,000 |
| Boulder, CO | 7 | $ 4,085,000 | $ 583,571 | $ 171,000 |
| Memphis, TN-MS-AR | 7 | $ 1,695,000 | $ 242,142 | $ 190,000 |
| Newark, NJ-PA | 7 | $ 3,855,000 | $ 550,714 | $ 227,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 3,575,000 | $ 510,714 | $ 204,000 |
| Wilmington, NC | 7 | $ 3,355,000 | $ 479,285 | $ 133,000 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 4,800,000 | $ 800,000 | $ 243,000 |
| Eugene, OR | 6 | $ 2,400,000 | $ 400,000 | $ 134,000 |
| Greensboro-High Point, NC | 6 | $ 2,860,000 | $ 476,666 | $ 165,000 |
| Lakeland-Winter Haven, FL | 6 | $ 2,090,000 | $ 348,333 | $ 107,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 2,280,000 | $ 380,000 | $ 109,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 1,860,000 | $ 310,000 | $ 151,000 |
| Asheville, NC | 5 | $ 2,495,000 | $ 499,000 | $ 238,000 |
| Bremerton-Silverdale, WA | 5 | $ 3,035,000 | $ 607,000 | $ 130,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 3,765,000 | $ 753,000 | $ 187,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 2,315,000 | $ 463,000 | $ 153,000 |
| Charlottesville, VA | 5 | $ 2,065,000 | $ 413,000 | $ 241,000 |
| Durham-Chapel Hill, NC | 5 | $ 2,365,000 | $ 473,000 | $ 155,000 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 2,355,000 | $ 471,000 | $ 251,000 |
| Punta Gorda, FL | 5 | $ 2,435,000 | $ 487,000 | $ 136,000 |
| Tallahassee, FL | 5 | $ 2,405,000 | $ 481,000 | $ 144,000 |
| Wichita, KS | 5 | $ 1,625,000 | $ 325,000 | $ 104,000 |
| Corpus Christi, TX | 4 | $ 1,630,000 | $ 407,500 | $ 195,000 |
| Fresno, CA | 4 | $ 2,090,000 | $ 522,500 | $ 125,000 |
| Gainesville, FL | 4 | $ 1,530,000 | $ 382,500 | $ 295,000 |
| Idaho Falls, ID | 4 | $ 1,580,000 | $ 395,000 | $ 254,000 |
| Olympia-Tumwater, WA | 4 | $ 2,310,000 | $ 577,500 | $ 134,000 |
| Philadelphia, PA | 4 | $ 1,500,000 | $ 375,000 | $ 211,000 |
| Springfield, MO | 4 | $ 1,220,000 | $ 305,000 | $ 110,000 |
| Abilene, TX | 3 | $ 1,325,000 | $ 441,666 | $ 169,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 1,475,000 | $ 491,666 | $ 153,000 |
| Bend-Redmond, OR | 3 | $ 1,275,000 | $ 425,000 | $ 180,000 |
| Coeur D'Alene, ID | 3 | $ 1,205,000 | $ 401,666 | $ 106,000 |
| Columbia, MO | 3 | $ 1,445,000 | $ 481,666 | $ 174,000 |
| El Paso, TX | 3 | $ 1,365,000 | $ 455,000 | $ 122,000 |
| Fayetteville, NC | 3 | $ 1,115,000 | $ 371,666 | $ 116,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 3 | $ 1,185,000 | $ 395,000 | $ 144,000 |
| Jacksonville, NC | 3 | $ 1,745,000 | $ 581,666 | $ 188,000 |
| New York-Newark, NY | 3 | $ 1,385,000 | $ 461,666 | $ 109,000 |
| Savannah, GA | 3 | $ 1,625,000 | $ 541,666 | $ 132,000 |
| Spokane-Spokane Valley, WA | 3 | $ 1,235,000 | $ 411,666 | $ 210,000 |
| Staunton-Waynesboro, VA | 3 | $ 1,005,000 | $ 335,000 | $ 185,000 |
| Vallejo-Fairfield, CA | 3 | $ 2,575,000 | $ 858,333 | $ 284,000 |
| Winston-Salem, NC | 3 | $ 1,295,000 | $ 431,666 | $ 140,000 |
| Albany, OR | 2 | $ 650,000 | $ 325,000 | $ 108,000 |
| Brunswick, GA | 2 | $ 730,000 | $ 365,000 | $ 162,000 |
| Camden, NJ | 2 | $ 1,000,000 | $ 500,000 | $ 305,000 |
| Chattanooga, TN-GA | 2 | $ 800,000 | $ 400,000 | $ 184,000 |
| College Station-Bryan, TX | 2 | $ 720,000 | $ 360,000 | $ 140,000 |
| Columbia, SC | 2 | $ 510,000 | $ 255,000 | $ 118,000 |
| Columbus, GA-AL | 2 | $ 870,000 | $ 435,000 | $ 130,000 |
| Greeley, CO | 2 | $ 760,000 | $ 380,000 | $ 141,000 |
| Killeen-Temple, TX | 2 | $ 760,000 | $ 380,000 | $ 165,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 800,000 | $ 400,000 | $ 153,000 |
| Lynchburg, VA | 2 | $ 1,220,000 | $ 610,000 | $ 188,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 770,000 | $ 385,000 | $ 193,000 |
| Medford, OR | 2 | $ 730,000 | $ 365,000 | $ 195,000 |
| Pittsburgh, PA | 2 | $ 750,000 | $ 375,000 | $ 244,000 |
| Rocky Mount, NC | 2 | $ 1,210,000 | $ 605,000 | $ 286,000 |
| Salem, OR | 2 | $ 860,000 | $ 430,000 | $ 82,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 880,000 | $ 440,000 | $ 179,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 1,880,000 | $ 940,000 | $ 374,000 |
| Spartanburg, SC | 2 | $ 610,000 | $ 305,000 | $ 79,000 |
| Stockton-Lodi, CA | 2 | $ 940,000 | $ 470,000 | $ 119,000 |
| Waco, TX | 2 | $ 620,000 | $ 310,000 | $ 120,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 555,000 | $ 555,000 | $ 143,000 |
| Bellingham, WA | 1 | $ 765,000 | $ 765,000 | $ 175,000 |
| Bloomington, IL | 1 | $ 315,000 | $ 315,000 | $ 92,000 |
| Brownsville-Harlingen, TX | 1 | $ 485,000 | $ 485,000 | $ 140,000 |
| Corvallis, OR | 1 | $ 405,000 | $ 405,000 | $ 103,000 |
| Elgin, IL | 1 | $ 305,000 | $ 305,000 | $ 90,000 |
| Florence, SC | 1 | $ 495,000 | $ 495,000 | $ 242,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 325,000 | $ 325,000 | $ 152,000 |
| Homosassa Springs, FL | 1 | $ 605,000 | $ 605,000 | $ 145,000 |
| Jackson, TN | 1 | $ 335,000 | $ 335,000 | $ 93,000 |
| Jefferson City, MO | 1 | $ 205,000 | $ 205,000 | $ 195,000 |
| Kennewick-Richland, WA | 1 | $ 455,000 | $ 455,000 | $ 105,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 235,000 | $ 235,000 | $ 118,000 |
| Knoxville, TN | 1 | $ 365,000 | $ 365,000 | $ 99,000 |
| Laredo, TX | 1 | $ 275,000 | $ 275,000 | $ 65,000 |
| Longview, WA | 1 | $ 465,000 | $ 465,000 | $ 149,000 |
| Manhattan, KS | 1 | $ 145,000 | $ 145,000 | $ 138,000 |
| New Haven-Milford, CT | 1 | $ 595,000 | $ 595,000 | $ 118,000 |
| Ocala, FL | 1 | $ 565,000 | $ 565,000 | $ 212,000 |
| Odessa, TX | 1 | $ 255,000 | $ 255,000 | $ 157,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 495,000 | $ 495,000 | $ 365,000 |
| Panama City, FL | 1 | $ 365,000 | $ 365,000 | $ 50,000 |
| Pueblo, CO | 1 | $ 425,000 | $ 425,000 | $ 100,000 |
| Redding, CA | 1 | $ 365,000 | $ 365,000 | $ 127,000 |
| Salisbury, MD-DE | 1 | $ 365,000 | $ 365,000 | $ 76,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 935,000 | $ 935,000 | $ 106,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 365,000 | $ 365,000 | $ 97,000 |
| Sebastian-Vero Beach, FL | 1 | $ 265,000 | $ 265,000 | $ 111,000 |
| Sherman-Denison, TX | 1 | $ 605,000 | $ 605,000 | $ 240,000 |
| Sumter, SC | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| Trenton, NJ | 1 | $ 295,000 | $ 295,000 | $ 81,000 |
| Visalia-Porterville, CA | 1 | $ 405,000 | $ 405,000 | $ 72,000 |
| Wenatchee, WA | 1 | $ 495,000 | $ 495,000 | $ 216,000 |
| Yuba City, CA | 1 | $ 375,000 | $ 375,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for First Mortgage Solutions, LLC in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,157 | $540,495,000 | $467,000 | $2,655,000 | $168,000 | $1,225,000 |
| Cash-out Refinancing | 337 | $153,715,000 | $456,000 | $1,745,000 | $179,000 | $1,434,000 |
| Refinancing | 145 | $69,335,000 | $478,000 | $2,855,000 | $179,000 | $1,008,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 766 | $353,560,000 | $461,000 | $1,745,000 | $170,000 | $1,434,000 |
| Not Provided | 404 | $190,210,000 | $470,000 | $2,855,000 | $181,000 | $1,146,000 |
| Asian | 249 | $123,045,000 | $494,000 | $2,655,000 | $175,000 | $1,225,000 |
| Hispanic | 114 | $50,020,000 | $438,000 | $1,355,000 | $156,000 | $610,000 |
| Black or African American | 76 | $31,750,000 | $417,000 | $1,255,000 | $130,000 | $332,000 |
| American Indian or Alaskan Native | 13 | $5,125,000 | $394,000 | $645,000 | $125,000 | $338,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $2,410,000 | $602,000 | $765,000 | $177,000 | $240,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,369 | $628,545,000 | $459,000 | $2,855,000 | $178,000 | $1,434,000 |
| VA-guaranteed (Veterans Administration) | 221 | $116,795,000 | $528,000 | $1,755,000 | $143,000 | $676,000 |
| FHA-insured (Federal Housing Administration) | 49 | $18,205,000 | $371,000 | $955,000 | $94,000 | $192,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 818 | $377,930,000 | $462,000 | $1,755,000 | $168,000 | $630,000 |
| Application Withdrawn By Applicant | 585 | $275,425,000 | $470,000 | $1,355,000 | $183,000 | $1,434,000 |
| Application Denied By Financial Institution | 136 | $65,610,000 | $482,000 | $2,855,000 | $142,000 | $530,000 |
| File Closed For Incompleteness | 86 | $38,980,000 | $453,000 | $1,055,000 | $173,000 | $390,000 |
| Application Approved But Not Accepted | 13 | $5,595,000 | $430,000 | $605,000 | $132,000 | $202,000 |
| Preapproval Denied by Financial Institution | 1 | $5,000 | $5,000 | $5,000 | $123,000 | $123,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,502 | $697,930,000 | $464,000 | $1,755,000 | $174,000 | $1,434,000 |
| Debt-To-Income Ratio | 45 | $25,045,000 | $556,000 | $2,855,000 | $118,000 | $520,000 |
| Collateral | 34 | $14,100,000 | $414,000 | $805,000 | $165,000 | $338,000 |
| Credit Application Incomplete | 22 | $9,050,000 | $411,000 | $685,000 | $159,000 | $530,000 |
| Other | 9 | $3,075,000 | $341,000 | $605,000 | $122,000 | $205,000 |
| Unverifiable Information | 8 | $4,210,000 | $526,000 | $645,000 | $126,000 | $330,000 |
| Credit History | 8 | $2,990,000 | $373,000 | $545,000 | $117,000 | $188,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $4,700,000 | $783,000 | $2,655,000 | $209,000 | $386,000 |
| Employment History | 5 | $2,445,000 | $489,000 | $765,000 | $122,000 | $245,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Mortgage Solutions, LLC's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First Mortgage Solutions, LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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