# EMET LENDING GROUP, INC.

> **Canonical URL:** https://saferate.com/lenders/emet-lending-group


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


EMET LENDING GROUP, INC. is a independent mortgage company, headquartered in BREA, CA, serving borrowers across 14 states, with 1,809 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 93% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300PRAPL43XPYR044
- **Headquarters:** BREA, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AZ, CA, CO, DC, FL, GA, MD, NC, NV, SC, TN, TX, VA, WA
- **Markets (MSAs):** 17
- **Primary Channel:** mix
- **Direct Origination:** 56.3%
- **Brokered/Wholesale:** 43.7%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 7/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.918%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,922
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,809
- **Dollar Volume:** $1.2 billion
- **Applications Received:** 2,172
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $642,839
- **Average Borrower Income:** $311,463
- **Average Property Value:** $965,879

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 1,597 | +0.917% | $5,098 | Strong 😀 |
| FHA | 39/100 | 25 | +0.638% | $3,858 | Acceptable 🙂 |
| Jumbo | 82/100 | 187 | +1.020% | $2,943 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,309 loans, Score: 70/100 (Strong)
- Refinance: 288 loans, Score: 68/100 (Strong)

**FHA:**
- Purchase: 23 loans, Score: 38/100 (Acceptable)

**Jumbo:**
- Purchase: 145 loans, Score: 82/100 (Exceptional)
- Refinance: 42 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 1,477 | $944M | +0.924% | Strong 😀 |
| Refinance | 67/100 | 332 | $219M | +0.883% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 1,347 | 0.47% | 82/100 |
| TX | 183 | 0.05% | 62/100 |
| VA | 144 | 0.13% | 67/100 |
| MD | 73 | 0.10% | 58/100 |
| GA | 20 | 0.01% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 685 | 88/100 |
| Riverside | CA | 286 | 77/100 |
| Anaheim | CA | 212 | 80/100 |
| Houston | TX | 119 | 64/100 |
| Arlington | VA-WV | 111 | 67/100 |
| Dallas | TX | 39 | 52/100 |
| Baltimore | MD | 35 | 53/100 |
| Oakland | CA | 33 | 54/100 |
| San Diego | CA | 32 | 52/100 |
| San Jose | CA | 25 | 51/100 |
| Washington, DC | DC-MD | 22 | 50/100 |
| Bakersfield | CA | 20 | 49/100 |
| Atlanta | GA | 18 | 43/100 |
| Frederick | MD | 17 | 47/100 |
| Virginia Beach | VA-NC | 16 | 44/100 |

## Frequently Asked Questions

### What loan types does EMET LENDING GROUP, INC. offer?

EMET LENDING GROUP, INC. offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does EMET LENDING GROUP, INC. offer mortgages?

EMET LENDING GROUP, INC. offers mortgages in 14 states: AZ, CA, CO, DC, FL, GA, MD, NC, NV, SC, TN, TX, VA, WA.

### How competitive are EMET LENDING GROUP, INC.'s mortgage rates?

EMET LENDING GROUP, INC. has a pricing score of 7/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.918% above market average.

### What type of lender is EMET LENDING GROUP, INC.?

EMET LENDING GROUP, INC. is a non-depository lender that specializes in mortgage origination, headquartered in BREA, CA.

### What is EMET LENDING GROUP, INC.'s loan approval success rate?

EMET LENDING GROUP, INC. has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/emet-lending-group

### How to Cite

> "EMET LENDING GROUP, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/emet-lending-group

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