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E
EMET LENDING GROUP, INC.
Independent Mortgage Company|BREA, CA|Multi-Region
Loans Originated
1,809
Applications
2,172
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Exceptional
Pricing and Pullthrough Overview
Average Rate Spread
+0.918%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,922
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
83.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Things to Think About
- Rates typically 92 basis points above market average
- Higher than average fees ($4,922)
Report Card
EMET LENDING GROUP, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Acceptable | Near industry average | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 17 metro areas · 14 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$642,839
Average Borrower Income
$311,463
Average Property Value
$965,879
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Mediocre | Strong | 1,597 | 88.3% | +0.917% | $5,098 |
FHA Loans | Acceptable | Acceptable | Acceptable | Sound | 25 | 1.4% | +0.638% | $3,858 |
Jumbo Loans | Sound | Exceptional | Mediocre | Strong | 187 | 10.3% | +1.020% | $2,943 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Mediocre | Strong | 1,477 | 81.6% | +0.924% | $5,159 |
Refinance | Sound | Strong | Mediocre | Strong | 332 | 18.4% | +0.883% | $3,647 |
Geographic Coverage
Metro Areas
17
States Served
14
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACODCFLGAMDNCNVSCTNTXVAWA
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 685Mix: 37.87%
Place Specialization
Exceptional
2
Anaheim, CAMSA
Volume: 212Mix: 11.72%
Place Specialization
Strong
3
Riverside, CAMSA
Volume: 286Mix: 15.81%
Place Specialization
Strong
4
Arlington, VA-WVMSA
Volume: 111Mix: 6.14%
Place Specialization
Strong
5
Houston, TXMSA
Volume: 119Mix: 6.58%
Place Specialization
Strong
6
Oakland, CAMSA
Volume: 33Mix: 1.82%
Place Specialization
Sound
7
Baltimore, MDMSA
Volume: 35Mix: 1.93%
Place Specialization
Sound
8
San Diego, CAMSA
Volume: 32Mix: 1.77%
Place Specialization
Sound
9
Dallas, TXMSA
Volume: 39Mix: 2.16%
Place Specialization
Sound
10
San Jose, CAMSA
Volume: 25Mix: 1.38%
Place Specialization
Sound
Showing 10 of 17 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 1,347Mix: 74.46%
Place Specialization
Exceptional
2
VAState
Volume: 144Mix: 7.96%
Place Specialization
Strong
3
TXState
Volume: 183Mix: 10.12%
Place Specialization
Strong
4
MDState
Volume: 73Mix: 4.04%
Place Specialization
Sound
5
GAState
Volume: 20Mix: 1.11%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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