E.M.I. Equity Mortgage
E.M.I. Equity Mortgage has 148 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in FHA and VA and USDA loans
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Report Card
E.M.I. Equity Mortgage performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
FHA Loans | 116 | 78.4% | +0.457%Above | $454Credit | ||||
VA Loans | — | — | 15 | 10.1% | -0.019%Below | $397Fees | ||
USDA Loans | — | 17 | 11.5% | +0.046%Above | $2,062Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 132 | 89.2% | +0.369%Above | $969Fees | ||||
Refinance | — | 16 | 10.8% | +0.291%Above | $2,250Credit |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
Top Metro Areas by Place Specialization Score
How 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)
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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