Emet Lending Group
We analyzed every closed loan from Emet Lending Group — 1.8k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 17 mkts
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)
Explore another lender or local market
Report Card
Emet Lending Group performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+91.8 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Acceptable
Bottom 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 17 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,597 | 88.3% | +0.917%Above | $5,098Fees | ||||
FHA Loans | 25 | 1.4% | +0.638%Above | $3,858Fees | ||||
Jumbo Loans | 187 | 10.3% | +1.020%Above | $2,943Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,597
Mix88.3%
Spread
+0.917%Above
Fees
$5,098Fees
FHA Loans
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughSound
Volume25
Mix1.4%
Spread
+0.638%Above
Fees
$3,858Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
Volume187
Mix10.3%
Spread
+1.020%Above
Fees
$2,943Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,477 | 81.6% | +0.924%Above | $5,159Fees | ||||
Refinance | 332 | 18.4% | +0.883%Above | $3,647Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,477
Mix81.6%
Spread
+0.924%Above
Fees
$5,159Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume332
Mix18.4%
Spread
+0.883%Above
Fees
$3,647Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,809
Applications
2,172
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.918%
vs. market APOR
Avg Net Fees
$4,922
Origination − Credits
Pullthrough Rate
83.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$642,839
Avg Borrower Income
$311,463
Avg Property Value
$965,879
Geographic Coverage
Geographic Performance
Metro Areas
17
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
14South9
DCFLGAMDNCSCTNTXVA
West5
AZCACONVWA
Top Metro Areas by Place Specialization Score
Volume 685Mix 37.87% of portfolio
88/100
Exceptional
Volume 212Mix 11.72% of portfolio
80/100
Strong
Volume 286Mix 15.81% of portfolio
77/100
Strong
Volume 111Mix 6.14% of portfolio
67/100
Strong
Volume 119Mix 6.58% of portfolio
64/100
Strong
Volume 33Mix 1.82% of portfolio
54/100
Sound
Volume 35Mix 1.93% of portfolio
53/100
Sound
Volume 32Mix 1.77% of portfolio
52/100
Sound
Volume 39Mix 2.16% of portfolio
52/100
Sound
Volume 25Mix 1.38% of portfolio
51/100
SoundShowing 10 of 17 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 1,347Mix 74.46% of portfolio
82/100
Exceptional2
VirginiaState
Volume 144Mix 7.96% of portfolio
67/100
Strong3
TexasState
Volume 183Mix 10.12% of portfolio
62/100
Strong4
MarylandState
Volume 73Mix 4.04% of portfolio
58/100
Sound5
GeorgiaState
Volume 20Mix 1.11% of portfolio
42/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.