# FIRST EQUITY MORTGAGE INCORPORATED > **Canonical URL:** https://saferate.com/lenders/first-equity-mortgage-incorporated > **πŸ“‹ 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 FIRST EQUITY MORTGAGE INCORPORATED is a independent mortgage company, headquartered in CINCINNATI, OH, serving borrowers across 8 states, with 1,357 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 28% of lenders for competitive rates - **Approval Rate:** Ranks in the top 58% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 549300X8AUU3UC1ULZ79 - **Headquarters:** CINCINNATI, OH - **Geographic Reach:** Multi-Region - **States Served:** 8 - **State List:** FL, IN, KY, NC, OH, TN, TX, VA - **Markets (MSAs):** 12 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Strong πŸ˜€ - Score: 72/100 - Rating: ●●●●○ (4/5) ### Pull Through: Sound ☺️ - Score: 42/100 - Rating: ●●●○○ (3/5) ### Pricing Details - **Average Rate Spread:** +0.080% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $969 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 1,357 - **Dollar Volume:** $660 million - **Applications Received:** 2,396 - **Market Share:** 4.00% ## Typical Borrower Profile - **Average Loan Amount:** $486,010 - **Average Borrower Income:** $213,527 - **Average Property Value:** $721,581 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (64%) - ⭐ **VA Gold Superstar** (64%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 68/100 | 1,172 | +0.097% | $976 | Strong πŸ˜€ | | FHA | 59/100 | 47 | +0.315% | $980 | Sound ☺️ | | VA | 73/100 | 125 | -0.297% | $920 | Strong πŸ˜€ | | Jumbo | 42/100 | 12 | +0.251% | $614 | Sound ☺️ | ### Product Performance by Purpose **Conventional:** - Purchase: 1,165 loans, Score: 70/100 (Strong) **FHA:** - Purchase: 46 loans, Score: 59/100 (Sound) **VA:** - Purchase: 125 loans, Score: 73/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 70/100 | 1,349 | $656M | +0.080% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | TX | 329 | 0.09% | 70/100 | | OH | 284 | 0.21% | 72/100 | | KY | 273 | 0.59% | 78/100 | | TN | 133 | 0.15% | 66/100 | | IN | 130 | 0.14% | 64/100 | | VA | 80 | 0.07% | 60/100 | | NC | 75 | 0.05% | 56/100 | | FL | 53 | 0.02% | 49/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Cincinnati, OH | | 429 | 90/100 | | Dallas | TX | 148 | 69/100 | | Nashville | TN | 132 | 72/100 | | Indianapolis | IN | 128 | 70/100 | | Cleveland, OH | OH | 122 | 71/100 | | Arlington | VA-WV | 80 | 64/100 | | Austin | TX | 63 | 63/100 | | Fort Worth | TX | 59 | 62/100 | | Houston | TX | 59 | 57/100 | | Jacksonville, FL | FL | 53 | 60/100 | | Raleigh | NC | 52 | 61/100 | | Non | | 23 | 27/100 | ## Where This Lender Ranks FIRST EQUITY MORTGAGE INCORPORATED appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ† **#4** in Cincinnati, OH Mortgage Companies - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/mortgage-companies) - πŸ† **#5** in Cincinnati, OH for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#9** in Cleveland, OH Mortgage Companies - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies) - πŸ† **#10** in Cleveland, OH for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#10** in Jacksonville, FL for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#12** in Nashville for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#13** in Kentucky for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#13** in Jacksonville, FL Mortgage Companies - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/mortgage-companies) - πŸ† **#14** in Cincinnati, OH for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#14** in Indianapolis Mortgage Companies - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/mortgage-companies) - πŸ† **#14** in Indianapolis for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#15** in Ohio Mortgage Companies - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/mortgage-companies) - πŸ† **#15** in Kentucky Mortgage Companies - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/mortgage-companies) - πŸ† **#16** in Cleveland, OH for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#17** in Ohio for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#17** in Arlington Mortgage Companies - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/mortgage-companies) - πŸ† **#18** in Nashville Mortgage Companies - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/mortgage-companies) - πŸ† **#18** in Arlington for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#18** in Raleigh for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/raleigh/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#20** in Cincinnati, OH - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders) ## Frequently Asked Questions ### What loan types does FIRST EQUITY MORTGAGE INCORPORATED offer? FIRST EQUITY MORTGAGE INCORPORATED offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does FIRST EQUITY MORTGAGE INCORPORATED offer mortgages? FIRST EQUITY MORTGAGE INCORPORATED offers mortgages in 8 states: FL, IN, KY, NC, OH, TN, TX, VA. ### How competitive are FIRST EQUITY MORTGAGE INCORPORATED's mortgage rates? FIRST EQUITY MORTGAGE INCORPORATED has a pricing score of 72/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.080% above market average. ### What type of lender is FIRST EQUITY MORTGAGE INCORPORATED? FIRST EQUITY MORTGAGE INCORPORATED is a non-depository lender that specializes in mortgage origination, headquartered in CINCINNATI, OH. ### What is FIRST EQUITY MORTGAGE INCORPORATED's loan approval success rate? FIRST EQUITY MORTGAGE INCORPORATED has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## 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/first-equity-mortgage-incorporated ### How to Cite > "FIRST EQUITY MORTGAGE INCORPORATED Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/first-equity-mortgage-incorporated --- **[View Interactive Profile β†’](https://saferate.com/lenders/first-equity-mortgage-incorporated)**