# E.M.I. EQUITY MORTGAGE, INC.

> **Canonical URL:** https://saferate.com/lenders/emi-equity-mortgage


> **📋 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


E.M.I. EQUITY MORTGAGE, INC. is a independent mortgage company, headquartered in SAN JUAN, PR, with 148 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930050YUB4R3ZKAI03
- **Headquarters:** SAN JUAN, PR
- **Geographic Reach:** unknown
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.342%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-137
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 148
- **Dollar Volume:** $22 million
- **Applications Received:** 222
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $150,135
- **Average Borrower Income:** $59,311
- **Average Property Value:** $176,149

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| FHA | 69/100 | 116 | +0.457% | $-454 | Strong 😀 |
| VA | 62/100 | 15 | -0.019% | $397 | Strong 😀 |
| USDA | 74/100 | 17 | +0.046% | $2,062 | Strong 😀 |

### Product Performance by Purpose

**FHA:**
- Purchase: 102 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 132 | $20M | +0.369% | Sound ☺️ |
| Refinance | 41/100 | 16 | $2M | +0.291% | Sound ☺️ |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Juan | PR | 128 | 76/100 |

## Where This Lender Ranks

E.M.I. EQUITY MORTGAGE, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in San Juan for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in San Juan Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in San Juan for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in San Juan for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in San Juan for VA Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/va-loans)
- 🏆 **#5** in San Juan for USDA Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/usda-loans)
- 🏆 **#6** in San Juan
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders)
- 🏆 **#6** in San Juan for FHA Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does E.M.I. EQUITY MORTGAGE, INC. offer?

E.M.I. EQUITY MORTGAGE, INC. offers the following mortgage loan types: FHA, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### How competitive are E.M.I. EQUITY MORTGAGE, INC.'s mortgage rates?

E.M.I. EQUITY MORTGAGE, INC. has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.342% above market average.

### What type of lender is E.M.I. EQUITY MORTGAGE, INC.?

E.M.I. EQUITY MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in SAN JUAN, PR.

### What is E.M.I. EQUITY MORTGAGE, INC.'s loan approval success rate?

E.M.I. EQUITY MORTGAGE, INC. has a pull-through score of 68/100 (Strong). 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/emi-equity-mortgage

### How to Cite

> "E.M.I. EQUITY MORTGAGE, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/emi-equity-mortgage

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